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LAW

Police tell topless women on French beach to cover up

After reports of police officers telling topless women on a French beach to cover up, we look at the law about what you can and cannot wear in public in France.

Police tell topless women on French beach to cover up
All photos: AFP

For a brief period on Tuesday, the hashtag #seinsnus – bare breasts – was trending on Twitter in France, with hundreds of people leaving their comments on this French summer tradition.

The chat was in response to an incident in the coastal resort of Sainte-Marie-la-Mer in south west France, near Perpignan, where two gendarmes had apparently approached several women who were sunbathing topless on the beach and asked them to cover up.

The mairie confirmed to local media that the incident had happened, saying the gendarmes acted on a request from a family who were also on the beach.

But would the women have been within their legal rights to refuse to cover up?

This is what French law says

Topless women

If you are on a beach, there is nothing in national law to prevent women going topless or wearing the 'monokini' – bikini bottoms only.

However some municipalities have brought in their own local decrees banning the monokini or thong. These should be sign-posted, and flouting the regulation can earn you a €38 fine.

Among the places where going topless is banned are the Paris plages – the urban beaches that pop up in the capital every summer.

For a variety of reasons – from skin cancer to fears of being filmed on mobile phones – French women are increasingly less likely to go topless.

Away from the beach going topless in public is generally not allowed unless you are in a designated area – such as a nudist colony or Paris' short-lived nudist restaurant – or a designated event.

Femen activists frequently demonstrate topless as an act of disobedience. Photo: AFP

Topless men

Men are allowed to be topless on any beach because apparently their nipples are less shocking than female ones, but once you get away from the seaside there are some restrictions.

Again there is no national law covering this – the law that banned men from appearing topless in public was repealed in 1994 – but some local authorities have brought in restrictions for towns that order men to keep their tops on. 

For example those who decide to go shirtless in the town of Trouville-sur-Mer on the Normandy coastface fines of up to €17 while at La Grande Motte, a popular seaside resort in the southern French region of Occitanie this penalty jumps to €60.

Private businesses are also within their rights to refuse entry to bare-torsoed men.

Fully nude

If baring your top half only is not enough, there are plenty of places in France where nuturism is practised. However if you're going to do this you need to be sure that you are in a designated area as you cannot strip off on all beaches.

READ ALSO Why foreigners flock to France to let it all hang out

 

There are designated nudist resorts and even whole villages such as the famous Cap d'Agde on the Riviera, as well as plenty of beaches where being nude is accepted – these will usually be signposted.

Away from the beach it's a little more complicated. Although there is no specific law against being nude in public in France, there is a law against disturbing public order, which can be used for people who are naked in public and refuse to cover up when asked.

“The first rule for any naturist is to respect other people,” Jacques Freeman of the Association for the Promotion of Naturism in Liberty (APNEL) previously told The Local. “And it's really important not to be confrontational about your choice to be nude, for example if your neighbours don't like you sunbathing naked in the garden.”

For more on how and when to practice naturism in France – click here.

Wearing too many clothes

As well as rules on what you can take off, there are rules about what you can put on, although again these mostly apply to women (that might be the patriarchy). The full-body swimsuit known as the burkini is banned at most municipal swimming pools.

Whether it's allowed on beaches has been the subject of several years of controversy and high-profile legal battles after some local authorities attempted to ban it on the beach, although in the end the local bans were overturned by the courts.

 

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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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