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LIVING IN FRANCE

Childcare in France: What are the options and how do you sign up

France has a very comprehensive network of childcare available but there are a lot of different options and navigating the system is not always easy. Here is our guide to the early years.

Childcare in France: What are the options and how do you sign up
There are lots of different options for childcare for under-threes in France. Photo: AFP

From the start of this school year, it will be compulsory for children living in France to be in education from the age of three. 

But what if your children are under three years old? What types of daycare exists in France for infants and pre-kindergarten years?

Here’s our guide to all types of childcare for children under three years old available in France.  

Let’s start with the most common one, the crèche. 

Known as daycare centres in English, there are various types of them in France and can be either public or private. 

The costs of all public daycares are calculated per family income according to a scale established by the CNAF (Caisse Nationale des Allocations Familiales) (branch of the French social security that oversees family subsidies). Daycare is paid monthly.

  1. Community daycare  (crèche associatives)

Run by early childcare professionals, these daycares are subsided by local authorities and the CAF (the government body that helps families by offering different services and benefits which start from early childhood, including crèche, childcare centres, education, holidays, family allowances, pregnancy benefits and housing benefits.) Registration is usually done directly with the head of the establishment and it depends on the spots available and the decision of the assigning committee. 

       2. Day care run by a parent collective approved by the département’s PMI (Protection Maternelle Infantile – public health centres set up for the well-being of mothers and children up to six years old). Parents are responsible for the functioning of the day care.

  1. Municipal daycares 

Registration to these daycares is made at each borough municipality usually around the 6th month of pregnancy. The request must be confirmed after the birth of the child and then regularly renewed.

Once a spot has been attributed to your child, you must make an appointment with the daycare within ten days. If you fail to make an appointment during this time period, you risk losing your place. 

Make sure to bring your child’s birth certificate and any documents relating to parental authority. 

However, the admission of your child will be made final by the daycare’s in-house doctor. 

For a list of documents to bring, check your préfecture's website. 

Private daycares

Some daycares are run by private companies for the use of their employees. It might be worth checking with your employer if they offer this service. A spot is usually reserved with the agreement of the employer and a financial contribution from parents is normally required. 

Other private daycares take in children according to their own criteria. Private daycare centres, however, are subject to the same regulations, standards, and approvals as other nurseries. 

What other types of daycare exist in France?

If you think that a daycare centre is not you or your child, then there are other options available, which can be divided into four different categories: nursery assistant, at-home childcare, halte-garderies, and jardins d’enfants. 

Nursery assistant (assistantes maternelles or nourrice) is an early childhood professional who takes care of up to four children at their home or in a nursery. They must be approved by the departmental council.  

At-home childcare (garde à domicile) is when a privately-contracted babysitter comes to the child's home and takes care of him or her there. 

Halte-garderie 

This is a part-time daycare option. A child can only attend an halte-garderie for a maximum of three half-days per week. It’s an interesting option for stay-at-home parents or parents working part-time who only need a few hours of daycare. 

Halte-garderies can either be public or private and a child’s admission is decided by the head of the establishment after an interview with the parents. 

Jardins d’enfants

Halfway between a daycare and kindergarten (école maternelle), is the jardins d’enfants. The Jardins d’enfants offer everything that a normal daycare would with a stronger emphasis on educational activities meant to prepare children for kindergarten and school.

It receives children from ages two to six. As of 2019, children from three to six years old will be able to pursue their early years education in a jardins d'enfants

They can be either public or private establishments. 

It's worth noting that regardless the type of childcare you choose, it's worth declaring the cost of this care in your annual tax declaration as it will mean a reduction in your tax bill. 

 

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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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