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LIVING IN FRANCE

Daily dilemmas: Holidays in Brittany or the Côte d’Azur?

It's the season when French cities empty out and people head to the beaches or the countryside, but is Brittany or the Côte d'Azur the best bet for a holiday?

Daily dilemmas: Holidays in Brittany or the Côte d'Azur?
Photos: AFP

We asked readers of The Local which area they prefer for a summer getaway, and the result on Facebook was a fairly narrow victory for the Côte d'Azur.

 

On Twitter, users leaned more heavily towards the southern region.

 

Of course, both regions are beautiful and have lots to offer holidaymakers and locals alike.

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The ancient stone circles of Carnac. Photo: AFP

With its stunning coastline and picturesque villages, Brittany is a favourite with both tourists and the French. In fact the region has twice bagged the title for 'France's favourite village'. 

Decided by a public vote, the Village prefere des Francais title has been awarded to two Breton villages – Rochefort-en-Terre in Morbihan and Ploumanac'h.

Some of the tourist attractions of the region include the Alignements de Carncac – a huge area of neolithic standing stones – the Chateau de Fougeres and the many stunning beaches. Just don't ask about Mont St Michel – that's actually just over the border in Normandy.

A region with a strong local identity, there is also plenty of classic Breton cuisine to keep visitors happy – particularly the classic Breton crêpe.

As befits a coastal region with a proud fishing tradition, seafood lovers are well catered for in Brittany, try oysters (les huitres) in Cancale, sardines in Concarneau, Quiberon or Dournanez and scallops (Coquilles Saint Jacques) in the bay of St Brieuc.

For afters, try a slice of Kouign Amann. Not quite pastry, not quite cake, the buttery pudding needs to be sampled. 
 

On the alcohol front there is of course Brittany cider, brewed from the region's abundant apple orchards.

And cider could soon be being joined by Breton wine. Although not a traditional wine growing region, farmers in Brittany have begun planting vineyards as the climate warms and more and more Brittany wines are appearing on the market.

In fact many British people love Brittany so much they end up moving there – there are about 13,500 British people who live in Brittany, and many thousands more who have second homes in the area.

In fact really the only criticism that can be leveled at Brittany is the weather. The area has almost as much rain as the UK, although local tourism chiefs are keen to point out that this mainly falls in the winter. And when the rest of France is roasting under a heatwave, Brittany generally stays pleasantly warm.

Rain is rarely a problem on the Côte d'Azur, on the other hand, in fact the region is the sunniest spot in the whole of France, as the map below of annual hours of sun shows.

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There is loads to do with spectacular beaches and beautiful coastal roads to drive or cycle along.

The area's natural beauty has attracted throngs of artists over the years, from painters like Van Gogh – who attempted to establish an artists' commune there – to writers like F Scott Fitzgerald, who wrote his classic American novel The Great Gatsby while staying on the Riviera.

Food wise you will be spoiled for choice, with the fresh, healthy and delicious Mediterranean cuisine the region is famed for – ratatouille in Provence and along the coastline an abundance of fresh fish.


Diving off the coast at Nice on the Côte d'Azur. Photo: AFP

Provence is also a major wine growing region with many delicious rosé wines to try.

If your taste runs to something stronger, pastis is ubiquitous in southern France along with Orange Columbco, a Provencal drink made with Lubéron rosé, sweet and bitter oranges, bitter bark infusions, curaçao and other flavours.

In fact both regions are so good that we're inclined to agree with Local reader Inder Negi who simply says: “Why not go to both?”

 

 

 

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PROPERTY

How to ensure your French property is insured for storm damage

Storm Ciaran’s property-wrecking passage through France - with another storm forecast for the weekend - may have many people wondering how comprehensive their insurance cover is. 

How to ensure your French property is insured for storm damage

In the wake of Storm Ciaran, thousands of property owners in France are preparing insurance claims – with initial estimates of the bill for damage between €370 million and €480 million.

Home insurance is compulsory in France, whether you own the property you live in or you rent – and it must include some level of storm damage cover. 

Check also to see if your insurance provides cover in case of a declaration of a catastrophe naturelle.

The garantie tempête (storm guarantee) covers damage caused by violent winds. What constitutes a ‘violent wind’ varies from contract to contract, but there appears to be a widespread consensus of agreement on wind speeds over 100km/h.

In most insurance contracts, this covers damage caused by the storm and within the following 48 hours – so you’re covered if, for example, a tree weakened by the storm comes down within that period and damages your property.

Be aware that, while the storm guarantee automatically covers the main property, it generally only covers any secondary buildings and light constructions – such as a veranda, shed, solar panels, swimming pool or fence – if they are specifically mentioned in the contract. 

The same is true of any cars damaged by debris. A basic insurance contract might not include storm damage, so it is always worth checking.

Damage must be reported to your insurer as quickly as possible. The deadline for making declarations is usually five days after any damage is noticed. This is especially important for second home owners, who may not be at the property when the damage occurs. 

In some cases – such as in the aftermath of Storm Ciaran – insurers may extend the reporting period. But under normal circumstances, it’s five days after the damage has been discovered.

What happens next

To make a claim, the first thing to do is contact your insurer by phone or email. Your insurer will take you through the next steps, but usually you have to send in a declaration – which should include an estimate of any losses and for any repairs, with evidence where possible, such as photographs and any receipts for purchases. 

Your insurer may also request proof of wind intensity, which can be provided for example by a nearby weather station.

The insurance company may appoint an expert to come and assess the damage, so make sure to keep damaged property safe until they arrive, as well as all invoices for any urgent repair work. 

What if you’re a tenant?

If you rent your property, you must report any damage inside the accommodation to your insurer and also notify your landlord so that they can file their own claim. 

In the case of a co-propriete, you must declare damage inside the accommodation to your insurer, while the trustee sends his own declaration to the collective insurance (which sometimes covers the private areas) .

How long does it take for claims to be settled?

Payment of the compensation provided for by the “storm guarantee” depends your home insurance contract. After the insurer has estimated the amount of damage, compensation is generally paid between 10 and 30 days following receipt of the insured’s agreement.

What if we got flooded?

In the case of flooding, you may have to wait for a natural disaster order to be issued. 

Catastrophe naturelle

The ‘state of natural disaster’ is a special procedure that was set up in 1982 so victims of exceptional natural events, such as storms, heavy rain, mudslides and flooding, as well as drought, can be adequately compensated for damage to property.

The government evaluates each area and deems whether it qualifies for the status of catastrophe naturelle (natural disaster). 

Essentially once a zone is declared a natural disaster, victims can claim from a pot of funds created by all insurers. If the zone is not declared a disaster, insurance companies are under no obligation to pay out. 

Under a “state of natural disaster” residents are covered for all those goods and property that are directly damaged by the phenomenon, in this case storms.

It applies to residential or commercial buildings, furniture, vehicles and work equipment that are already covered by insurance policies.

Homes must be already covered by a multi-risk insurance policy for the status of natural disaster to count.

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