Robster1978

Hi All,

I'm about to sign the contract for moving into my new appartment, but the agency want an Attestation d'assurance. I'm going to the bank tomorrow to ask for this, but was wondering if anybody could tell me if it easy to get and how much it costs?

Thanks! Robster.

Peabrain

Hi,
Une attestation d'assurance is simply a paper supplied by your insurance company guaranteeing that you have taken out an insurance policy on the property that you are going to rent. It can often be obtained by going onto the insurance company's website and printing it out. This paper is compulsory and is meant to make sure people don't "forget" to insure their property. If you haven't yet insured the property, now is the time to do so.....
The attestation is free....

brioche

Yeah, I get my home insurance from my bank, and apparently that's not uncommon. The first time I did this I went to see them just before the contract was signed (although I think they would've appreciated an appointment). They asked me a few questions about the flat and how much I wanted to insure the contents for, then printed a certificate. Depending on your bank, you might be able to do this online. I'm currently paying around thirteen euros a month, but obviously it'll depend on your circumstances.

Robster1978

Thanks for the replies guys. Off to the bank tomorrow, but no appointment. They're going to hate me!

Hopefully I can get the certificate there and then as got a meeting with the agency at 1600....

Robster

Im_and_Er

It's a bit of a myth myth that property insurance is compulsory in France, it is not, or at least not to the level the term implies to most expats. What is compulsory is insurance against 3rd party risks and fire, not quite the same thing, but even that is sporadically and haphazardly enforced and policed.

We were advised by our Immo that evidence of property insurance was required for the signing of the acte de vent at the Mairies but in the event it was not even mentioned. It goes without saying that we would have taken out insurance anyway so nothing was lost.

Even if insurance is taken out for the purchase there is nothing to prevent you from cancelling it at renewal time.

dmu

I.e. civil liability, fire AND water damage.

And be aware that you usually have to terminate a contract three months before the renewal date (check this "préavis" (prior warning) in the contract), by L.R.A.R. (registered letter with acknowledgement card). Failing which you'll have the following year's premium to pay...