Back on the road with French car insurance

You may have purchased the perfect French property but attention also needs to be paid to your car.

All vehicles in France must be insured whether they are used regularly or not and once you have taken out a policy, you will be handed a certificate which must be displayed in your window.

This will prove the validity of your insurance policy and must be on show at all times in accordance with French law.

Drivers are advised never to leave insurance documents or registration details in the glove compartment even though they are required to have them to hand at all times.

This is because if your car is stolen and you cannot produce these papers, even if the reason is because they were in the car at the time it was taken, your insurer is under no obligation to honour the contract.

As well as the above documents, your insurer should also issue you with a separate form which is there to be filled in in the case of an accident.

This provides space for insurance details, a written and graphic description of the accident and it must be completed and signed by both you and the other party involved.

Both parties send their copy back to their respective insurer to establish responsibility.

As in the UK, French car insurance carries a no claims bonus system which can result in some drivers offering to pay directly for damage to avoid an increase in the cost of their policy.

Insurance experts advise that you fill in the form regardless of whether you accept this offer or not as protection in case the other party fails to pay up.

As in the UK there is more than one option of cover available, these policies being either third party (au tiers) or comprehensive (tous risques).

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