{"id":23554,"date":"2016-06-22T17:00:23","date_gmt":"2016-06-22T15:00:23","guid":{"rendered":"https:\/\/blogs.transparent.com\/french\/?p=23554"},"modified":"2018-04-05T19:52:33","modified_gmt":"2018-04-05T17:52:33","slug":"is-that-covered-by-your-insurance-in-france","status":"publish","type":"post","link":"https:\/\/blogs.transparent.com\/french\/is-that-covered-by-your-insurance-in-france\/","title":{"rendered":"Is That Covered By Your Insurance In France?"},"content":{"rendered":"
\""Broken<\/a>

“Broken Glass at Work-13<\/a>” by Eric Schmuttenmaer on Flickr. Licensed under CC BY-SA 2.0<\/a>.<\/p><\/div>\n

France is famous for l\u2019amour et le vin<\/strong> (love and wine), and its culture that extends throughout the la francophonie<\/strong><\/a>. Cependant<\/strong> (however), France is also known for la bureaucratie et la paperasse<\/strong> (bureaucracy and paperwork).<\/p>\n

All countries have an element of la bureaucratie<\/strong> that can be extra difficult when you\u2019re un \u00e9tranger<\/strong> (a foreigner) and la bureaucratie fran\u00e7aise<\/strong> is no exception.<\/p>\n

I had to deal with the confusing twists and turns of l\u2019assurance<\/strong><\/a> recently when it came time to see if something was covered by mon assurance habitation<\/strong> (my house insurance).<\/p>\n

I called mon assureur<\/strong> (my insurer) to make une demande d\u2019indemnit\u00e9<\/strong> (compensation claim, insurance claim) and start the insurance process, but there was an issue:<\/p>\n

– Vous avez dit qu\u2019il s\u2019agit d\u2019un bris de glace dans votre salle de bain ?<\/strong>
\n – Oui Madame, c\u2019est \u00e7a.<\/strong>
\n – Je suis d\u00e9sol\u00e9e, mais les bris de glace dans la salle de bain ne sont pas couverts par votre assurance habitation.<\/strong><\/p>\n

You said that it’s broken glass in your bathroom?<\/em>
\nYes Ma’am, that’s right.<\/em>
\nI’m sorry, but broken glass in bathrooms is not covered by your house insurance.<\/em><\/p><\/blockquote>\n

A bit shocked as I looked at le papier<\/strong> (the paper) that stated mon assurance habitation<\/strong> covered les bris de glace<\/strong>, I asked l’agent d’assurance<\/strong> (the insurance agent) to explain why les bris de glace<\/strong> were not covered even though they were clearly there:<\/p>\n

– Mais c\u2019est \u00e9crit ici que les bris de glace sont couverts !<\/strong>
\n – Oui, mais comme la salle de bain n\u2019est pas indiqu\u00e9e sp\u00e9cifiquement, elle n\u2019est pas couverte.<\/strong><\/p>\n

But it’s written here that broken glass is covered!<\/em>
\nYes, but as the bathroom is not specifically indicated, it’s not covered.<\/em><\/p><\/blockquote>\n

After that phone call<\/a> I emailed<\/a> mon proprietaire<\/strong> (my landlord) to explain what mon assureur<\/strong> told me, and to figure out what to do next.<\/p>\n

Un vrai casse-t\u00eate !<\/strong><\/p>\n

A real headache!<\/p><\/blockquote>\n

The good thing is that I learned how to talk more clearly about l\u2019assurance<\/strong> and how to deal with un sinistre<\/strong> (an accident). Je suis s\u00fbr \u00e0 cent pour cent<\/strong> (I\u2019m one hundred percent sure) that I\u2019ll have to make more phone calls<\/a> and maybe send a few letters<\/a> before everything is settled, but that\u2019s a part of living abroad and learning a new language!<\/p>\n","protected":false},"excerpt":{"rendered":"\"\"

France is famous for l\u2019amour et le vin (love and wine), and its culture that extends throughout the la francophonie. Cependant (however), France is also known for la bureaucratie et la paperasse (bureaucracy and paperwork). All countries have an element of la bureaucratie that can be extra difficult when you\u2019re un \u00e9tranger (a foreigner) and…<\/p>\n

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