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LIVING IN FRANCE

Only 25% of France’s nightclubs expected to reopen as owners judge health passport rules ‘too strict’

French nightclubs will be allowed to reopen on Friday night for the first time since March 2020, but the majority of venues say they will remain closed, judging health restrictions to be too strict.

Only 25% of France's nightclubs expected to reopen as owners judge health passport rules 'too strict'
French nightclubs can open their doors from July 9th. Photo: Miguel MEDINA / AFP.

Three quarters of nightclubs will not open before September, Ivan Poupardin, president of the French Association of Nightclub Owners told the Journal du dimanche earlier this month.

Although bars and cafés have reopened periodically over the last 18 months, nightclubs have been closed since the pandemic first hit in March 2020.

Concerts with a standing audience have been possible since June 30th and nightclubs reopen on July 9th.

However indoor venues are allowed 75 percent of their normal capacity (outdoor events can have 100 percent capacity) and entry to nightclubs is via the health passport.

“We don’t want the health pass, it’s much too restrictive. It’s as if you were running ski lifts in June without skiers!” Morgan Dalle, who manages a nightclub in the northern city of Béthune, told La Voix du Nord.

Dalle, who also runs national collective of café, hotel, restaurant and nightclub owners, said he expected 30 percent of France’s clubs to be either closed or in administration by 2022.

Health passports and masks

A health passport is required to enter a nightclub. The French health pass is available through the TousAntiCovid app or on paper. In order to access the pass, you need to show either a vaccination certificate, proof of a negative PCR or antigen test taken in the previous 48 hours, or proof that you have recently recovered from Covid.

But with currently only 22 percent of 18- to 29-year-olds in France fully vaccinated, club owners say they do not expect enough customers to return to make it worth their while opening.

READ ALSO When and where you will need a health passport this summer

Culture minister Roselyn Bachelot has said it will be possible for nightclubs and concert venues to provide antigen tests at the entrance for those who do not already have a health passport.

For clubs or larger concerts where a health passport is required, a mask will not be compulsory, although it is recommended.

For smaller concerts that do not require a health passport, the mask will still be required.

The government will re-evaluate the measures in September.

“We are going to be able to look ahead to the summer in good conditions and party safely,” Griset said.

France has around 1,600 nightclubs which employ 30,000 people.

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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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