French Gite rental

[Deerfoot]

I wonder if anybody here could help me with a queery?

I recently agreed to hire a Gite in France. Once the confirmation arrived I read the terms and conditions (not available on the website prior to booking) and in the terms and conditions is this statement.

`The tennant must insure the premises rented. The tennent must therefore check that his/her domestic insurance policy covers holiday accommodation. If it does not, the tennent must apply to his/her insurance company for an extension of cover, or else take out a special holiday policy. An insurance certificate must be shown on arrival to confirm suitable cover.`

They also require a cash deposit on arrival to cover breakages which, once the rental period is over, will be returned within 30 days.

Now, in all the years of I`ve been renting places like this (in the UK, Canada and Europe etc) I`ve never been asked to provide insurance for the rented property.

I`d have thought that if the guy is running this as a legitimate business he should be covered adequately under his own insurance.

Any thoughts?

[Marcellus]

It is actually French Law for tenants to have their own "Tenants Liability Insurance".

Usually private owners don't get too concerned about it but if they use an immobilier for any part of the transaction then it's them how can be right officious gits about it.

[Marcellus]

Just to add, some travel insurance covers/includes it but some doesn't there's no standard.

It's unlikely that your UK buildings or contents insurance does cover it.

The cost is negligible, we usually sort it for our tenants for the whole ski season (1st December through to 30th April) and it costs from €50 for a studio upto €150 for a 6 bedroom chalet.

[Deerfoot]

Marcellus said:

It is actually French Law for tenants to have their own "Tenants Liability Insurance".

I thought as much.

Marcellus said:

It's unlikely that your UK buildings or contents insurance does cover it.

I`ve just checked and it doesn`t. I can cancel and get a full return of my deposit as long as I do it quickly.

[Marcellus]

If you still want to go there you can easily get the required insurance,

[Deerfoot]

Marcellus said:

If you still want to go there you can easily get the required insurance,

Any idea of the rough cost?

[Puggit]

As a French property owner, this is news to me! However, we took out insurance to cover ourselves for anything our tenants do...

[Deerfoot]

Right, I`ve found this and am still non the wiser!

http://www.schofields.ltd.uk/blog/261/liability-in...

[Marcellus]

Deer foot, email me your details and i'll give you the details of who I use.

She's an expat living and working in Chamonix for a French Insurance agent (AGF Allianz).

[Marcellus]

Puggit said:

As a French property owner, this is news to me! However, we took out insurance to cover ourselves for anything our tenants do...

A lot of Brit owners and indeed French Private owners do too but as you know sometimes the French can be.... Errrrrr French.

[Marcellus]

Deerfoot said:

Any idea of the rough cost?

Missed this one, for costs see my previous post, but for a week or two I can't see it being much at all.

[Puggit]

Marcellus said:

She's an expat living and working in Chamonix for a French Insurance agent (AGF Allianz).

We also use Allianz (via an English speaking broker in the Limousin) - they paid out without issue last year when we had a major problem.

[Deerfoot]

Marcellus said:

Deer foot, email me your details and i'll give you the details of who I use.

She's an expat living and working in Chamonix for a French Insurance agent (AGF Allianz).

Thank you. I've e-mailed you.

[Marcellus]

Deerfoot said:

Thank you. I've e-mailed you.

YHM hope it helps