 Poster: A snowHead
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..and burns down, make sure you are covered by travel insurance which includes public liability. Watching Rip Off Britain today (I know, I need a life) a case was reported of a couple whose holiday accommodation was hit by lightning and burned down. The accommodation owners' insurance wrote to the couple and informed them that unless they could prove that the fire was not proved by them, they were liable for €500,000. Apparently according to French law, they were quite within their rights to do so. Fortunately for the couple, their insurance cover did include Public Liability, and their insurance cover undertook to pay for expert opinion on what caused the fire, and any further action which might ensue.
An insurance expert advised that Public liability insurance should be for at least £1 million.
I have been thinking of renting an apartment at Les Deux Alpes for my next skiing holiday. If I do, I shall make sure that I am appropriately insured.
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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Deleted
Last edited by Obviously A snowHead isn't a real person on Thu 5-07-18 14:35; edited 1 time in total
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Well, the person's real but it's just a made up name, see?
Well, the person's real but it's just a made up name, see?
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@achilles, A good reminder, thanks.
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You need to Login to know who's really who.
You need to Login to know who's really who.
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@achilles, MPI insurance covers this (it is specifically mentioned in the policy summary under personal liability).
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Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
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It is actually a legal requirement to have this insurance in France.
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You'll need to Register first of course.
You'll need to Register first of course.
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Sometimes referred to as Tenants Liability Insurance, most French owners will assume you have it because as @Hells Bells, says it's a legal requirement to, which most French people know.
Also it covers things like flood so if your bath overflows and damages other properties etc.
It's quite cheap too; a 1 bedroom apartment for the whole season is sub €100.
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Some UK household insurance policies have this too,so may be worth looking into that as well.
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| Hells Bells wrote: |
| It is actually a legal requirement to have this insurance in France. |
I have it via Credit Agricole, not as part of my bank account with them but it seemed easier just to deal with one French financial institution than trawl around looking to save a few Euros on the policy.
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You'll get to see more forums and be part of the best ski club on the net.
You'll get to see more forums and be part of the best ski club on the net.
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I have it included in my apartment insurance.
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| Hells Bells wrote: |
| I have it included in my apartment insurance. |
Do you mean to cover you for when you are a tenant renting somewhere else? Or that it covers tenants renting your apartment (so that they don't need it themselves)?
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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Your own property insurance covers you when renting elsewhere. As some UK policies do. Pretty standard in France
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And love to help out and answer questions and of course, read each other's snow reports.
And love to help out and answer questions and of course, read each other's snow reports.
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@ecureuil, no it covers me and my family members. It is not available as an add-on for me to offer to guests, as French law assumes that their own insurance would cover them.
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b]@achilles[/b], is it really public liability insurance? I thought that was for businesses - I had it when I was self employed. I have personal liability insurance as part of my home insurance which I thought provided cover for these kind of eventualties. 
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You know it makes sense.
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@Gämsbock, I have public included in my insurance in case of injury to guests or people doing work in my house, but were I to set fire to a holiday home, I do believe you're right and it would be personal liability that would cover the damage.
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Otherwise you'll just go on seeing the one name:
Otherwise you'll just go on seeing the one name:
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@Hells Bells, good point... I suppose that is fairly standard to include on buildings insurance. We do have that on the UK house insurance but that's a specialist policy because it is rented out.
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FAQ
