Thank you for raising this issue. I visited our bank (Credit Mutuel) to find out how much more to insure our home to rent out as a gite periodically this summer. They quoted 18 Euros (!) but mentioned nothing about this clause. However this story does remind me of the difference between french and english insurance. In France there is never an accident - it is always someones fault - this means the person who caused the "accident" will have to claim on their own insurance. This was demonstrated for a friend recently who tiled his own bathroom. The inspection panel tiles subsequently fell off, damaged an £8000 bath (all singing, jaccuzzi !) and he claimed for damage to it on his french insurance. He was asked who the artisan was as the insurance company would make a claim against him - there isn't one - so no claim - no compensation. Shows just how confusing living over the water really is ! But I wouldn't change it for anything Adrienne www.gites-in-creuse.com