A stay in a French holiday home, be it in Brittany, Provence, the Luberon, or the Riviera should be covered by some kind of insurance.
Unlike when renting unfurnished property, the holiday maker is not obliged to take out insurance for their holiday home. However, you are responsible in case of damage or fire to your holiday home (article 1732 of the 'code civil').
Therefore, we do strongly advise you to take out holiday insurance for your holiday home. In most cases, if you own your primary residence, a comprehensive home owners policy may cover what is sometimes called 'buildings insurance' for holiday properties, through your public liability.
Holiday insurance taken out through general insurance companies is often incomplete or inexistant. The simplest solution is to insure against all personal risks during your holiday.
ADAR insurance is here to offer you several different types of protection for your holiday home. You will find the details below:
Decisions on holiday destinations and accommodation are often taken a long time in advance. Between the time you book and the actual date, a lot of things may happen preventing you from taking your holidays : a stay in hospital, lay-off, professional relocation, serious illness, or a death in the family. Your down payment, or even the total cost of the rental will not be refunded.
The ADAR policy protects you against these events and allows you to book your holidays in advance in complete peace of mind:
Any tenant as an individual, whether a French national or foreigner, renting furnished accommodation on a short term. The following hold the quality of insured party: the policyholder, his or her spouse (including acknowledged co-habitant or linked through a PACS (Civil Solidarity Pacts)) as well as any other person (not a relative) designated on the registration form in this contract and who benefits from said rental, their ascendants or descendants in the 1st degree or their son-in-law or daughter-inlaw or brother or sister.
Your contract n° 65.529.353 regulated by the insurance french code.
The purpose of this contract is to provide the cover set out below to tenants taking short term lets for any property rented in countries of the European Union, Switzerland, Malta, Monaco and Andorra.
A stay of less than 90 days in the accommodation, the insured not being the owner or a tenant with an annual rental agreement.
House, apartment or flat, hotel room, caravan, mobile home, boat for inland waterway navigation.
TOKIO MARINE EUROPE INSURANCE LIMITED – 66 rue de la Chaussée d'Antin- 75441 Paris Cedex 09 - RCS Paris B-382096071
ALBINET Insurance Brokers, under the ADAR brand name, SA with capital of 200,000 euros – RCS Paris B 582 136 289.
Cover under an Adar insurance policy is obtained on the simultaneous signature of the short term rental contract and payment of the premium to ADAR indicated in this contract, or in a separate application form, the rent laid down in the contract serving as the basis for any indemnity. Additional services, such as transport may come under this insurance in as much as they are linked to the rental booking and the premium also reflects these services.
If the rental contract covers several families, each is covered for its share; the rental contract is not cancelled and in such a situation, insurance cover relates to the arithmetical share of the family concerned. It is the responsibility of the signatory to the rental contract to provide the intermediary with the names of the co-beneficiaries.
Cover ceases as of right on the arrival of the insured in the premises or on the date the stay is interrupted, except for cover relating to "Search and Rescue costs" and "the occupant's Civil Liability" for which cover ceases on handover of the keys to the intermediary's approved representative.
The Insurer guarantees to reimburse the Insured sums paid as a deposit and the balance owing where cancellation of a holiday occurs for the following events, up to a limit of 10 000 euros per claim whatever the number of beneficiaries.
a - Serious illness, serious injury or the death of the Insured or any other person mentioned in the rental contract and who would be living in the aforementioned rented accommodation. By illness or serious injury, any unpredictable worsening of a preexisting illness, any psychological or psychotherapeutic illness corresponding to at least 3 days of hospitalisation, or any complication due to pregnancy until the 28th week. we mean any new impairment to health or bodily injury preventing the insured from leaving his/her home or the hospital where he/she is receiving treatment on the date the rental starts, indicated for persons in employment by hospitalisation or absence from work of at least eight consecutive days, and a medical certificate to that effect, and for persons not in employment, by hospitalisation for at least eight days or by a medical certificate ordering them not to leave their room for at least eight days, and in addition, for persons taking the waters, proof that they are covered by their statutory sickness insurance scheme for non-means tested reimbursable expenses.
b - Loss to property caused by theft, fire, explosion or similar events, water damage or an event of nature affecting his/her main and/or secondary residence and/or his/her business premises, the seriousness of which absolutely requires his/her presence on the day of departure, or during the course of the holiday, in order to complete the formalities required.
c - Prevention from occupation of the rented accommodation due to redundancy or transfer of the Insured or his spouse notified by an employer, provided that such notification occurs after cover comes into effect and on condition that one or other of the foregoing situations was not known to the insured when he took out this contract; obtaining a job or paid training taking effect before or after the rental dates, while the person insured was registered as unemployed, provided that it is not a question of the extension or renewal of a contract, or temporary work provided through an employment agency.
d - Prevention of the insured from getting to the resort by road and rail , water and air on the day they are due to take possession of the rented accommodation and in the forty eight hours following, due to roadblocks or strikes directly affecting the traffic, confirmed by the Mayor of the commune where the holiday residence is situated.
e - If the Insured is forced to cancel or abandon his/her holiday in the 48 hours preceding or following the contracted date the rental starts as a result of the non-availability of the accommodation due to pollution, flooding, fire, event of nature or epidemic. These risks will be considered as having occurred under the terms of this contract when the site is rendered completely inaccessible for a radius of five kilometres from the accommodation by decision of the communal or prefectoral authorities during the period of rental that has been insured.
f - Subsequent to non-deferrable administrative or judicial subpoena.
g - Non-availability of the rented accommodation, when its use is prevented by a chance event such as fire, storm, water damage or other event of nature occurring within 60 days before the date the rental starts.
h - Visa denied by the authorities of the country, no request must have been formulated beforehand and refused by these authorities for this same country. Justification from the Embassy will be required.
i - Theft of identity card, passport 48h before departure.
j - Being prevented from going to the rental premises, on the day scheduled for taking possession of the rented premises subsequent to the theft or attempted theft of the vehicle.
k - If the holiday dates of the insured were modified by a decision of his or her employer.
Reimbursement of rent not accrued due to the interruption of the holiday as a consequence of one of the events listed in the section on cover CANCELLATION OF THE HOLIDAY at paragraphs a), b) e) f) and g), up to a limit of 10 000euros. Compensation owed by the Insurer for an injured party is determined by the number of occupants and the number of days left to run.
For the length of the stay, the insurer will cover the costs of search and rescue, in the mountains or at sea, incurred by specialist teams who come to the aid of the insured up to a maximum of 3,050 € per event whatever the number of people included in the contract and who are staying in the rented accommodation.
a - Rental liability
Subsequent to a fire, explosion, water damage, freezing taking rise in the premises, the monetary consequences of the liability of the tenants or occupants in terms of Articles 1732 to 1735 and 1302 of the Civil Code for real estate and property damage to the property of the owner of the rental housing (except rented boats), the fees for appraisers and the travel or replacement expenses as well as the rehousing costs made indispensable subsequent to a covered claim.
The insurer also covers the monetary consequences, loss of rents or right to benefit incurred by the owner. Damage caused to other boats is excluded.
This cover is for 1,500,000 euros all damages included.
b - Remedy of neighbours and third parties
Subsequent to a fire, explosion, water damage, freezing taking rise in the premises, the monetary consequences of the liability that the tenants or occupants can incur in terms of Articles 1382 to 1383 and 1384 of the Civil Code for all corporal or material damage caused to neighbours and third parties and for which the rental liability coverage hereinabove has come into play.
This cover is for 450,000 euros all damages included
c - Civil liability for material damage
Other accidental damage caused to property in the inventory and located inside the rented housing (except fittings) and to the real estate belonging to the owner of the rented housing (except rented boats). This cover is for 2,500 euros less the absolute excess of 75 euros
The following are excluded from the cover described above:
Any claims arising from this agreement are subject to a limitation period of two years to be counted from the event giving rise to the claim. The Insurer is subrogated in the rights of the Insured with regard to any person liable for the loss which has become the subject of compensation.
Data protection: The Insured may request communication and correction of information held concerning him/her in any file used by the Insurer, his representatives and any professional body.
Customer relations: Albinet Insurance Brokers are able to give in-depth consideration to any demands and claims made by the Insured. If following this process, the Insured does not feel that the answers given are satisfactory, he/she may make a complaint to TOKIO MARINE EUROPE INSURANCE LIMITED. If disagreement continues after a reply, he/she has the right to appeal to a Mediator whose details will be provided by TOKIO MARINE EUROPE INSURANCE LIMITED – 66 rue de la Chaussée d'Antin – 75441 Paris Cedex 09 on request, without prejudice to other avenues of legal action.
Autorité de Contrôle Prudentiel: the body responsible for monitoring compliance with the legislative and regulatory provisions governing insurance is l'Autorité de Controle Prudentiel, 61 rue Taitbout – 75009 Paris.
You should first advise your letting agency by registered letter of the cancellation of your holiday within 5 days of being aware of it. You should (after confirmation by your letting agency) send ADAR the required documentation: medical certificate, certificate of hospitalisation, certificate of absence from work, redundancy notice, to the following address:
ADAR C/O Cab. ALBINET– S.A.V.
5, cité de Trévise
75009 - PARIS
Fax : 01 48 01 84 83
E-mail : firstname.lastname@example.org
When sending us these details, don't forget to give us: your full address, your telephone number, the name of your letting agency, your letting reference number, the start and ending dates of your stay.
If necessary, in the event of a claim relating to cover for the cancellation or interruption of a holiday, you undertake to allow the Insurer's doctor access to your medical file, without which no cover can be granted.