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LIVING IN FRANCE

France’s digital minister moves to close the gap between cities and countryside

France's digital affairs minister has cautioned against a 'too quick' movement of some of the country's famous bureaucracy to online systems, saying the digital divide was one of the main causes of the 'yellow vest' movement.

France's digital minister moves to close the gap between cities and countryside
Digital affairs minister Cedric O. Photo: AFP

Although France is gradually moving more of its procedures online, it still lags behind many other European countries in terms of the number of administrative functions that have to be done on paper.

Cedric O, Junior Minister for digital affairs, told The Local at a meeting organised by the Anglo American Press Association that closing the country's digital divide should be one of the government's “main priorities” for 2020.

“Digitalisation is [the source of] a huge social violence. It was at the core of the 'yellow vest' protest,” O said, adding that France might have been “too quick” to digitalise bureaucratic processes.

The digital divide in France is deep. A recent report published by the French Conseil d’analyse économique (CAE) recommended that the government “avoid the “all digital” strategy, in order to preserve the social bond” in places that have not benefited from an increasingly digital world where more and more services have moved online.

O said the report's findings resonated with what he heard when visiting the French countryside.

“People tell me ‘you are out of your mind, you are forcing us to declare our taxes online. In what world are you living?’,” O said.

Thirteen million French people don’t have internet access, according to the Junior Minister, who cautioned against deepening the gap further.

“To the 'yellow vests', digitalisation means closing down small shops in middle sized villages,” he said.

France has still has some 'zone blanche' – mainly in rural areas – where it is not possible to access the internet and many villages have frustratingly slow connections.

READ ALSO: Most of rural France still does not have high speed internet – and is unlikely to get it before 2029

France needs to close its digital divide if it wants to tackle the core problems expressed in the 'yellow vest' protest movement, Junior Minister for digital affairs Cedric O told The Local.

Despite this there are an increasing number of things that are moving online – people who have a carte vitale can now access an online portal to make changes and request services and most utility firms now offer an online option.

For British people facing extra admin caused by Brexit there are also online options, the French government has announced that the processes for requesting a carte de séjour residency card and exchanging a British driving licence are set to move online – although neither website is open yet.

The residency system will have a non-online option for people who cannot access the internet.

O said immigration was “too sensitive of a topic to be completely digitalised,” and that “we need to be careful” when streamlining questions regarding nationality and residency.

However, the Junior Minister said closing the digital gap should be a main focus for him in 2020, together with a continued emphasis on cultivating the country’s growing startup sector.

One of Macron’s main pledges as he ran for president in 2017 was to turn France into a “startup nation,” a goal O said the government was now on its way to achieving.

“France is currently one of the most vibrant startup economies in Europe,” O said.

France increased its startup investments from €2.5 billion in 2017 to €5 billion in 2019. O said the government was aiming to reach €6 or €7 billion in 2019.

But, due to the digital gap pointed out by the Junior Minister, the growth in opportunities is not equally shared across the country.

“Digitalisation needs to be part of the solution, not the problem,” O said.

When asked about how the government planned on reducing the digital gap, O focused on training and skills development rather than providing internet access to the entire country.

“Social workers have a huge issue with young people. They know how to go on Instagram or Snapchat, but ask them to make a tax declaration online and they won’t know how to do it,” O said.

Member comments

  1. Given the peculiarly Byzantian nature of French bureaucracy, it is not well suited to digitisation in its existing form. If they can bring themselves to simplify their processes at the same time as they move them online, then it may work.

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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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