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LIVING IN FRANCE

French motorway tolls set for further price hike

The cost of driving on motorways in France is set to rise with the announcement of another increase in toll prices on France's autoroutes.

French motorway tolls set for further price hike
Photo: AFP

France's motorway network operates a toll system where drivers pay at the péages d'autoroutes (toll booths) depending on how far they travel.

Now the government has confirmed a rise in prices of between one percent and 1.5 percent, which will come in to operation on February 1st 2020.

Despite the relatively modest increase, the news still drew anger from French motoring groups, who proclaimed it a stealth tax and motorists and a safety risk, as it could force drivers off the autoroutes and on to the smaller routes nationales or route départementales, which have a higher accident rate.

The cost of motorway tolls was one of the major complaints during the early days of the 'yellow vest' movement and the péage toll stations were the scene of regular protests, one of which ended in a fatality, and some were ransacked and torched.


Yellow vest protesters at a motorway toll booth in November 2018. Photo: AFP

Between 2011 and 2018, according to calculations done by the data unit at French newspaper Le Parisien, toll prices increased by 9.5 percent, while the rate of inflation stood at 8.49 percent, according to French statistics agency INSEE.

But the overall figure hides wide fluctuations between different areas of France, where some places have seen increases of more than 30 percent over the same period.

For example the motorway linking Rouen to Tours recorded a 34.6 percent increase between 2011 and 2018 while the Angers to Rouen route saw a 33.96 percent increase.

“With increases constantly rising above inflation combined with incessant taxes on car use, the impact on the mobility of the French could quickly become dramatic and give rise to strong protest movements in our country,” warned a spokesman for the French motoring group 40 millions d'automobilistes.

Depending on how far you travel and on which roads, the motorway tolls can cost you anything between €8 and €80 – you can find out the cost of your journey in advance at autoroutes.fr

The booths are generally unmanned, although there is help available if you need it, and work by first giving you a ticket as you join the autoroute.

As you leave that road or transfer onto another road you then put your ticket in the machine and it tells you what you owe. The machines take cash or bank cards, although some foreign cards – particularly Amex – are not always accepted.

And obviously the machines are on the left of the car, so if you are driving a right-hand drive vehicle you will either need long arms or a passenger.

If you are driving regularly on French autoroutes it may be worth getting a Sanef Toll Tag, which you pay for in advance and which is then automatically scanned at the booth, allowing you to drive straight through and not bother with paying at every booth.

READ ALSO What you need to know about driving on France's autoroutes

 

 

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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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