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LIVING IN FRANCE

Wild boar, fast internet and kindly neighbours – why small-town France has the best of all worlds

Forget Anne Hidalgo's '15-minute city' dream, France’s city slickers have discovered the benefits of small-town life after Covid and confinement highlighted the limits of city living, a new report by national statistics body Insee reveals.

Wild boar, fast internet and kindly neighbours - why small-town France has the best of all worlds
Living in smalltown France has its benefits. Photo: loreat / CC BY 2.0 / Flickr

So-called medium-sized towns are the location of choice, with house prices in these previously unremarkable and oft-mocked unfashionable locations rising an average of seven percent year-on-year as demand exceeds supply. Paris house prices dipped a little in the last quarter, and those in the greater Paris Île-de-France region are rising more slowly than elsewhere in the country, as property hunters’ priorities change in the Covid era.

There is now, Jean-Marc Torrollion, president of the Fédération nationale de l’immobilier (Fnaim), told 20 Minutes, ‘a clear craze around human-sized habitats and cities’ in the French property market.

As someone who works from home and who lives one the edge of a ‘human-sized habitat’ in one of the more rural areas of the French provinces, I get the attraction. 

It’s just as far from the Year in Provence idyll as it is the 24-hour-a-day ambulance chase of the grand metropolis. But we enjoy most of the benefits of living somewhere larger with few of the cost-of-living drawbacks and we’re near enough to the wide-open countryside to see it out of the window.

We have a cinema, theatre, sports venues, shopping opportunities, swimming pools, parks, stuff for kids to do, schools that are mostly good, an ice rink, free in-town buses, and okay transport links, including an airport, though it only handles a small number of domestic flights a day, and civilians share it with the Paras.

Heck, we even have fibre internet connections and a couple of bistros that get an honourable mention in the Michelin guide.

Admittedly, the public transport system isn’t as good as it is in larger cities, and we don’t get the biggest of names performing here, nor is there the sheer variety of restaurants or places to go for a night out, but these are drawbacks I can live with.

Fundamentally, small and medium-sized towns in France are ready-made 15-minute cities of the kind Paris mayor and potential presidential candidate Anne Hidalgo dreams of. And there’s more to it than mere convenience. 

We moved to southwest France in late spring 2009. Work dictated the location back then and we’ve stayed in the same town ever since. We’ve worked from home since 2013, so we knew it works before big business discovered it. 

I have in the past occasionally idly wondered if moving to, or at least closer to, somewhere like Toulouse might be an idea worth pursuing. Now, after Covid, I’m convinced it’s not. 

There are five of us – nine counting the dogs and cats – living in a four-bed detached house with a reasonably sized garden on the edge of town. Behind us is forest, and we’re 500m from a river. I ride my bike along the riverbank cycleway regularly to the next village just for the joy of it. 

We have a car that we try to use as little as possible, and enough in reserve that it wouldn’t be a total disaster if our hard-working washing machine broke down suddenly and dramatically. And we have what we laughingly call a potager and set out every year to grow at least some of our own. It rarely turns out well – this year, blight wrecked our tomato crop.

Our neighbours, two generations of proper French paysans, could easily have laughed at our feeble self-sufficiency efforts. But they have been nothing less than patient and kind, answering our often daft questions and unironically gifting us little delicious treats from their garden.

Our garden backs onto their smallholding. They – successfully – grow their own. They keep chickens, geese, goats and a sheep – to the delight of our children, who love to feed them whenever possible. The chickens and geese provide eggs, which sometimes make their way over the fence and into a cake or two.

They hunt, too, of course. On more than one occasion, they have presented us with pieces of wild boar or – once – the leg of a wild sheep that will go down as one of the most delicious pieces of meat I have ever eaten.

And they know where the cep mushrooms hide. We’ve tried foraging for mushrooms, but – well – our local pharmacist thinks we have a death wish. No matter. Once or twice a year, we’re handed a tray of mushrooms picked that day from a secret location that I wish I knew.

In return, we make them cakes using the eggs we have been given and jam from the blackberries we actually manage to forage. And, when it’s dry, our well is at their disposal to water their crops.

It works, too. 

There may be more going on in a city, but we could not afford most of what we have – and, while I wouldn’t miss the car, I’m sure that the city ‘buzz’ would not be enough to make up for everything else we’d have to give up to find it.

And there’s the kindness of neighbours, too, which I wouldn’t give up for the world. And even if Hidalgo gets her way on 15-minute cities, it won’t be enough to tempt me away from all this.

Member comments

  1. Fast internet??? It’s 3mbps in my small town (less than 30mins to Paris). Mobile phone 4g is about 20x quicker. Cable coverage in France is super patchy.

    1. Damn you beat me to it. We are supposed to be getting fibre in six weeks but considering that we were promised main drains 22 years ago, I’m not holding my breath.

    2. Depends where you are and (I suspect, but know of no actual evidence) the “economic wealth” of the area, along with technical details. Where I live, I’ve had fibre-into-the-home for well over a year now, and at least one other provider has also been advertising fibre(-into-the-home) in recent months.

      My own complaint is the (admittedly excellent) local bus system shuts down very early (20h00 or so), which can be very awkward as the train station is multiple kilometres away up a mountainside (albeit downhill, when returning home). Taxis, and Uber et.al., are not an option (for different reasons).

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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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