Mike1958 Posted May 9, 2006 Share Posted May 9, 2006 We currently have our house insured but with only limited contents as we are not yet in permanent residence.In August/September we will be moving out full time and need to have a comprehensive insurance policy that not only covers our home but also our guests.Can anyone please advise of either a specialist policy or recommend a policy that will cover a CDH operation with up to 10 guests. Any advice would be appreciated.Mike Link to comment Share on other sites More sharing options...
Cassis Posted May 9, 2006 Share Posted May 9, 2006 Hi MikeWe just told our existing insurer and they added on a small additional premium to cover the additional risk associated with B&B - like increased third party liability and theft risk. It was so much per room - can't remember exactly but not a lot. Why not check with your current insurer before you go looking for special policies?Phil Link to comment Share on other sites More sharing options...
Coco Posted May 10, 2006 Share Posted May 10, 2006 What exactly do you mean by increased third party liability Cassis? We've been told by three separate insurers now that if our guests do any damage we can't claim off our own insurance (it doesn't exist in France apparently - against the law) we have to claim off theirs (which is the norm in France). This was also confirmed a while back by the guru (that bloke we're no longer allowed to talk about) when I asked how I could claim for a lamp that was broken by a French child. He told me that I should have asked the parents to cough up and claim if off their own insurance, which is what they would expect to do if approached for the cost of replacing the broken article. So if thre is no such thing as being able to claim for damage in your own home off your own policy, what would increased third party liability give you? My problem lies with non-French guests who break something quite expensive. You have to ask them to pay for the damage because you are unable to claim off your own insurance. I can't see many Brits being able (or willing) to understand that concept. We have the public liability and intoxication d'alimentation cover and both only cost a little extra - can't remember exactly, but no more than about 50 euros. Link to comment Share on other sites More sharing options...
Cassis Posted May 10, 2006 Share Posted May 10, 2006 Third party liability, i.e. your liability to third parties, guests, during their stay with you. Like third party insurance on motor cars. Also known as public liability. It covers you against claims they may make for injury etc. during their stay, like slipping over in the bath or shower. Nothing to do with damage that third parties do to your house, I'm afraid!Phil Link to comment Share on other sites More sharing options...
Coco Posted May 10, 2006 Share Posted May 10, 2006 Oh that's a shame - I thought you'd found a loophole in the law!!! Yes, that's what we've paid our extra little bit for. I can't get over how cheap it is in France. Link to comment Share on other sites More sharing options...
Athene Posted May 15, 2006 Share Posted May 15, 2006 Hi Phil! do you know what third party liability is in French please? Link to comment Share on other sites More sharing options...
Cassis Posted May 15, 2006 Share Posted May 15, 2006 It's 'assurance au tiers'.Phil Link to comment Share on other sites More sharing options...
Mike1958 Posted May 16, 2006 Author Share Posted May 16, 2006 Many thanks Cassis,I will certainly try that route. I dont mind risking my own neck but I want to make sure any guest is adequately covered. Link to comment Share on other sites More sharing options...
Cassis Posted May 16, 2006 Share Posted May 16, 2006 I've just come across our household insurance quote - public liability in running a B&B added 16.50 euros per guest room per annum to our general household insurance.Phil Link to comment Share on other sites More sharing options...
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