You have made your escape from the UK and have finally found the dream home you wanted in France (and there are quite a few), now you should really be considering how to cope if something terrible happens.

Home and Holiday Home Insurance Plans are designed to provide you with complete peace of mind. Plans have been designed with Overseas Homes in mind but also extend to cover second homes in the UK and other areas.

Unexpected catastophies that could occur are best shared with an insurer as dealing with it all yourself could be soul destroying. Therefore, as part of our commitment to expatriates living in France, we have found a comprehensive yet affordable package specifically designed to meet your needs.

We would be happy to produce a personalised quotation for you to consider, you are under no obligation to take the plan, but you might be pleasantly surprised at how little 'peace of mind' can actually cost...

Whether you are going to use your second home in France as a holiday home or let it out, or indeed both, it is vital that you obtain suitable household cover. Too often, it is either forgotten, until something untoward happens to the property, or it is taken out only as an afterthought.  What is not often appreciated is that, unlike in the U.K., such areas as  responsabilité civile propriétaire (Civil Liability Insurance) is a third party compulsory insurance in France that covers any accidental damage you, as a private person, cause to others or their property, is traditionally covered by household insurance – without it you are in breach of French Law.

If you elect to choose a French insurer over a U.K. based one, are you fluent enough to understand the intricacies of exactly what the policy covers? Insurance terminology can be confusing enough even in English, but it can be bewildering in French! Furthermore, French household insurance policies are far more restrictive than those offered by U.K. based companies.  

As a solution we suggest you consider our preferred provider for UK-based owners of homes abroad, Intasure .

They provide a policy that offers comprehensive cover underwritten by the world’s leading insurers Lloyds of London that includes essential features such as cover during letting and protection when the property is unoccupied. It also covers parts of the home that may be excluded in ‘community’ policies.
Intasure understand and know how to work with legislation overseas. Claims are settled by professional local loss adjusters. All policy documents are in English and all enquiries and claims are handled by a UK-based, English speaking support team.

Included with Intasure:
•    Underwritten by Lloyds of London
•    Up to 40% risk-related discount in the first year of the policy subject to claims experience and conditions. This will also apply to your renewal premium after one year
•    Discount options include increased excess and age related discounts
•    property is covered whether occupied or unoccupied
•    Property is covered if let short term or long term
•    Excess from just £50
•    All policy documents are in English
•    Premiums can be paid by monthly direct debit
•    We cover the cost of emergency travel and accommodation following a major claim
•    Policy covers swimming pools as well as buildings
•    Policy covers public liability of £5m in regard to buildings and contents
•    Loss of rent included following a claim
•    Covers new home during the period between exchange
of contracts and completion
•    Covers temporary accommodation following a claim
•    Wider cover than a standard buildings and contents policy's
•    Wider cover than a ‘community’ policy
•    All claims are reported to and resolved by a UK-based English speaking team
•    Claims handled by local loss adjusters working for a UK adjusting organisation

Why not obtain a quotation? Click here for an immediate quote, or complete the form below...

Your Full Name
Date of Birth
Telephone
Fax Number
Email Address
Postal Address
Preferred Contact	Telephone Fax Email Postal
Current Status?	Considering a move to France Definitely moving to France Already living in France
Where in France?	Aisne Allier Alpes de Haute Provence Alpes maritimes Ardèche Ardèche Ariège Aube Aude Aveyron Bas Rhin Belfort Bouches du Rhône Calvados Cantal Charente Charente maritime Cher Corrèze Corse du sud Corse (haute) Côte d'or Côtes d'armor Creuse Deux Sèvres Dordogne Doubs Drôme Essonne Eure Eure et Loir Finistère Gard Gers Gironde Haute Garonne Haute Loire Haute Marne Hautes alpes Haute Saône Haute Savoie Hautes Pyrènèes Haute Vienne Haut Rhin Hauts-de-Seine Herault Ille et vilaine Indre Indre et Loire Isère Jura Landes Loire Loire atlantique Loiret Loir et Cher Lot Lot et Garonne Lozère Maine et Loire Manche Marne Mayenne Meurthe et Moselle Meuse Morbihan Moselle Nièvre Nord Oise Orne Paris (Ville de) Pas de Calais Puy de Dôme Pyrènèes Atlantiques Pyrénées orientales Rhône Saône et Loire Sarth Savoie Seine-et-Marne Seine maritime Seine-Saint-Denis Somme Tarn Tarn et Garonne Val-de-Marne Val-d'Oise Var Vaucluse Vendée Vienne Vosges Yonne Yvelines If not known, please leave 'blank'
Time Scale?	Within 3 months Within 6 months Within 9 months Within 12 months
Details of Cover Required:
Cover Required:	Buildings and Contents Building Only Contents Only
Main Construction of Walls:	Asbestos Brick Brick/Timber Frame Cob Construction Concrete Corrugated Iron Essex Construction Fibreglass Construction Flint Glass Metal Other Plastic Pre-fabricated Stone Stramit Construction Timber Frame up to 20% Timber/Plaster Wattle & Daub
Main Construction of Roof:	Asbestos Asphalt Concrete Corrugated Iron Felt on Timber Fibreglass Construction Glass Metal Other Plastic Shingle Slate Stramit Construction Thatch Tile Timber Turnerised
Proportion of Roof that is Flat:	0% - 30% 30% - 50% 50% +
Year of Construction:
Are the premises sublet as a holiday home by you or an Agent?	Yes No
Is the property listed?	Not Listed Grade 1 listed Grade 2 listed Grade 3 listed
Have you had 2 or more claims in the last 5 years?	Yes No
Have you had any claims exceeding £1,000 in the last 5 years?	Yes No
Have you had any loss or claim in regards to Flood, Subsidence or Landslip?	Yes No
Years of No Claims Discount (inc your main residence)?	Nil 1 Year 2 Year 3 Year
Is there an alarm installed that is annually maintained?	Yes No
Liability Cover:	£1,000,000 £2,000,000 £5,000,000
Policy Start Date:
Comments:
= Required