Foreign Perspectives

As you may recall, GAN insurance announced that our car was considered a write-off at the end of May.

Just this morning we have received the bill plus reminder that we’ve not paid the insurance for this year yet.

No, we don’t have a car at the moment but in France that doesn’t mean that you can get out of paying the insurance unless you’ve notified the insurance two months prior to the renewal that you don’t want it anymore. Yes, that is two months before they’ve told you how much it’s going to cost so the net effect is that it’s impossible to shop around for insurance in France.

In fact, if we don’t tell them by recorded delivery letter, in about two or three weeks we will receive notice that they are taking us to court for not renewing the insurance. A few weeks after that the letter giving us the court date will arrive. You might think that “obviously” they can’t win in court but in fact they can under French law. However, should it get that far, we won’t be using French law but rather European law which over-rides many French laws including this particular area of French insurance.

In that this appears to show that they haven’t acknowledged our claim, I’m tempted to ask them for a document saying that and insure our new car elsewhere.

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