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Hi, My boyfriend and I are moving to France in a few months. We are in the process of buying a house. We will need to get insurances for the home, contents, 1 car, 1 van, redundancy, health. Can you offer any advice on who is good to go to for insurances? Are there any other insurances that we might need? We have been told getting life insurance in the UK is cheaper so are planning on doing that.

We are both going to be earning in the UK, but working remotely from France. Can you recommend anyone for transferring money across into the Euro? Also, what is the situation with healthcare and taxes if you are doing this? We would become French residents.

Can you offer any advice on good banks to open accounts with?

Any other helpful hints and tips welcome!

Many thanks,

Lucy
 

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If you're going to be resident in France while working remotely in the UK, chances are you're going to have to set up some sort of business entity in France, which will then require you to pay into the French social insurances system - including health and retirement. There are a whole range of "statuts" you can use - depending on how much you'll be earning, what exactly you'll be doing, etc. As a resident of France you pay taxes in France, so your UK employer should be paying you without withholding tax and social insurances. It may be necessary to invoice your UK employer (i.e. if you go onto what amounts to a contractor status).

For starters, at least, you can go to your bank. They sell all sorts of insurances and can probably advise you about what sorts you'll need. In France it's a big deal to have "civil liability" insurance, which covers any damages you might cause to other people's property.

Finding a "good bank" depends on the banks available near where you are living. In some banks in France, to move from one branch of the same bank to another requires that you close the old account and open another one. The manager of the local branch may be a real jerk, or a real sweetheart - so you kind of have to check them out once you get settled in.
Cheers,
Bev
 

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Insurances

Hi Lucy,

We insure our car and home with AVIVA - for us it is slightly cheaper than in the UK. The car insurance comes in a few more packages than you're used to, the most comprehensive includes vehcile recovery and one weeks car hire whilst repairs are undertaken.
Health insurance - we've gone for a local French brokerage who got us a very good deal - considerably lower than any UK firm was offering.

www.devis mutuelle.com


Hope that helps - Bruce
 

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If you are students or under 26 years old, LCL bank offers insurances for something around 1 euro/ first year. At least, they did it in September :)
 

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Avoid Barclays, they are an even bigger bunch of sharks and opportunists than their UK counterparts.
Oh well said - they just charged me £49 to transfer €250 to a French bank account, it took one minute to enter the details on line and hit ENTER. The charges were never displayed. What a rip-off :mad:
 
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