woody234 Posted October 10, 2008 Share Posted October 10, 2008 is house insurance compusary in france, and if it is what happens if you cannod afford the house insurance Link to comment Share on other sites More sharing options...
giantpanda Posted October 10, 2008 Share Posted October 10, 2008 Hi!If you rent it is compulsory. If you can not show the contract, then the rental contract can be cancelled. Usually there is such a clause in standard contracts.If you own a house, it is not compulsory, but rather irresponsable not to have such an insurance;Yours,giantpanda Link to comment Share on other sites More sharing options...
Maricopa Posted October 10, 2008 Share Posted October 10, 2008 [quote user="giantpanda"]If you own a house, it is not compulsory, but rather irresponsable not to have such an insurance;[/quote]Not sure thats true. When you purchase, the notaire has a responsibilty to ensure that the purchaser has insurance in place at completion?[8-)] Link to comment Share on other sites More sharing options...
gosub Posted October 10, 2008 Share Posted October 10, 2008 [quote user="Maricopa"][quote user="giantpanda"]If you own a house, it is not compulsory, but rather irresponsable not to have such an insurance;[/quote]Not sure thats true. When you purchase, the notaire has a responsibilty to ensure that the purchaser has insurance in place at completion?[8-)][/quote]On completion day the Notaire would check to see if the purchaser had taken out insurance for the property, otherwise the previous owners insurance is automaticaly transfered to protect the buyer. After the sale, provided the insurance contract is cancelled in the legal time scales, then AFAIK you are not required to take out another insurance. Link to comment Share on other sites More sharing options...
Maricopa Posted October 10, 2008 Share Posted October 10, 2008 I don't disagree with your conclusion at all gosub. My question would be for whom or for what law is the notaire checking that it is insured, is it purely to enable the vendor to legally cancel their insurance? Link to comment Share on other sites More sharing options...
andyh4 Posted October 10, 2008 Share Posted October 10, 2008 If you have a mortgage it will be a requirement - at least it is for us Link to comment Share on other sites More sharing options...
Will Posted October 10, 2008 Share Posted October 10, 2008 There are public liability, and similar, aspects to house insurance in France that make it slightly different from how it usually works in Britain. If something happens, such as your animals causing damage for example, then whether or not you were personally negligent you could still be expected to pay up. The French Napoleonic law does not have the same clear distinction between civil and criminal matters as UK common law, so you could end up in serious difficulty if not insured. Not having the right insurance is very much a false economy. Link to comment Share on other sites More sharing options...
gosub Posted October 10, 2008 Share Posted October 10, 2008 More info Here Link to comment Share on other sites More sharing options...
freddy Posted October 13, 2008 Share Posted October 13, 2008 The notaire checking the house insurance only applies if you have a mortage and is presumably an ongoing condition of any mortgage to protect the mortgagors interests. If you by for cash the notaire may tell you it is sensible to have insurance but there is no compulsion. Link to comment Share on other sites More sharing options...
Jotty Posted October 13, 2008 Share Posted October 13, 2008 [quote user="freddy"]The notaire checking the house insurance only applies if you have a mortage and is presumably an ongoing condition of any mortgage to protect the mortgagors interests. If you by for cash the notaire may tell you it is sensible to have insurance but there is no compulsion.[/quote]My first house was bought cash, and there was a panic on the day of signing to get the insurance sorted out because he refused to act without it.Perhaps things are no longer like that, but that was the case in the early 90s. Link to comment Share on other sites More sharing options...
giantpanda Posted October 14, 2008 Share Posted October 14, 2008 Hi!Better check!The Notaire has no obligation here whatsoever.He can certainly counsel it.Yours,giantpandaNB. We are talking of the case where you own, and do not rent.http://www.guide-assurance.com/assurance_habitation.htmLa loi n'impose pas aux propriétaires d'appartements ou de maisons de souscrire une assurance habitation. Pas d'obligation donc, mais il n'en demeure pas moins que souscrire un contrat multirisques habitation est essentiel pour les propriétaires. Link to comment Share on other sites More sharing options...
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