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LIVING IN FRANCE

Seven things we learned in France in 2019

With the new year well underway we have pulled out a few important things we have learned about France from the last 12 months of seafood scandals, sex rulings and conflagrations.

Seven things we learned in France in 2019
There's always more to learn about cheese in France. Photo: AFP

1. Sex with a stranger is a legal part of a business trip

Yes, that was the ruling of the Paris appeals court, which decided that picking up a stranger for sex can form a legal part of a business trip. The ruling was in response to a Frenchman who died while away from home on a work trip. His company disputed whether this could be counted as a 'workplace accident' since at the time of his death he was in a fellow traveller's hotel room, having sex.

But the court ruled that as sex is a 'normal, everyday activity' it would count as being a legitimate part of a business trip, and therefore the man was judged to be the victim of a workplace accident.

Although we suspect that ruling is unlikely to cut any ice with an outraged partner if they find out about your extra curricular 'work'.

2. Jacques Chirac had quite a turn of phrase (and was a handsome devil in his youth)

Former French president Jacques Chirac died this year and among the many gushing tributes to the retired statesman one thing stood out – his very pithy turn of phrase (along with his apparently inability to remember when the microphone was on).

Some of his best one-liners can be read here, but he was particularly sharp on the British, once remarking that “you can't trust people who cook as badly as that” while former Prime Minister Margaret Thatcher was the subject of his outraged remark at a Brussels summit “does this housewife want my balls on a plate?”

And for those who mostly remembered him as a balding middle-aged politician, it was quite a surprise to see pictures of the handsome young communist activist he was in his youth.


Jacques Chirac, pictured in 1962. Photo: AFP

Something of a coureur de joupon (skirt chaser) in life, Chirac even in death continued to stir up gossip – remember this curious incident at his funeral?

3. Nobody wants to go for a swim on the roof of a cathedral


The moment that the blazing spire came crashing down will not be forgotten by anyone who was in Paris. Photo: AFP

The burning spire of Notre-Dame cathedral was one of the lasting images of 2019, but the heat from the flames was nothing compared to the blazing row that then broke out over the restoration of the much-loved historic monument.

Traditionalists wanted an exact rebuilding – despite the fact that the destroyed spire was only added to the Medieval building in 1911 – and were outraged at some of the more creative proposals for the Paris landmark.

READ ALSO IN PICTURES Seven of the more wacky ideas for rebuilding Notre-Dame

Among the options submitted were a glass roof, a spire of light and a rooftop garden, but it was the idea of a swimming pool on the roof that drew the most outrage. The design came from Swedish architecture firm UMA, which didn't actually submit them to the French government, the company said that it merely wanted to draw attention to Notre-Dame as a public space.


We actually quite fancied the idea of a dip in here, but nobody else did. Photo: UMA

4. Frenchmen are not that good in bed (according to one Paris writer)

We asked French writer Olivia Sorrel-Dejerine to puncture some myths about the French and dating and she insisted that this is the biggest misconception of all.

READ ALSO Five French dating myths exploded

And it seems that French men themselves accept that they could do with some help – as a book about giving pleasure to women in the bedroom was one of the publishing sensations of the year, selling out its initial print run.

Copies of Au-delà de la pénétration (Beyond penetration) by Martin Page will be available again from early 2020 after the book had to be reprinted because of high demand.

5. François de Rugy doesn't like champagne


François de Rugy and his wife hosted luxury dinners with €500 a bottle wines. Photo: AFP

You might think that being a French government minister is all lobster and champagne – but apparently not for former environment minister François de Rugy.

The minister was forced to resign in July over luxury dinners he had hosted involving giant lobsters and €500 bottles of wine. He never denied hosting the publicly funded luxury dinners, but he insisted they were official entertainments for important government contacts, while others alleged that they were purely social events for friends of himself and his wife.

After a week of damaging headlines he resigned, but added that he never eats lobster because of a shellfish allergy, while champagne gives him a headache.

6. Allegations of using English cheese is a matter for the courts


Chef Marc Veyrat is taking legal action against the Michelin Guide. Photo: AFP

So it's not news that cheese is taken quite seriously in France – as it should be. But for one French chef the allegation that he had used English Cheddar cheese in a soufflé was an insult so serious that only legal action could be the appropriate response.

Chef Marc Veyrat sued the Michelin guide after its inspectors claimed that his three cheese soufflé contained English Cheddar, rather than local cheeses Reblochon, Beaufort and Tomme at his restaurant in Haut-Savoie.

The chef said he had been 'dishonoured' by the guide when it removed his third star after the 'incompetent' inspector misidentified the variety of cheese used in his soufflé. The guide in its turn sued Veyrat over his description of the inspector as 'incompetent'. 

7. If you see a sign saying 'Stop' you should stop

It may be that there are some among you who had figured that out already, but the news came as an unwelcome surprise to The Local's Europe editor Ben McPartland, who netted a €90 fine when a gendarme watched him failing to observe the stop sign correctly.

French law requires you to come to a complete halt at a stop sign, and a rolling stop is not acceptable – even if you can see that the way is clear.

And if you think that all sounds quite obvious you might be ready to move on to trying to figure out how France's famous priorité à droite (give way from the right) rule works. Bon courage!

 

 

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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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