Insurance/breakdown cover if based in France

Discussion in 'Motorhome Insurance General Discussion' started by Fenman, Feb 26, 2015.

  1. Fenman

    Fenman Funster

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    I'd like to pick the brains of members who have motorhomes and are resident in France.
    When retirement hits in the next 12 months we will be buying a motorhome to explore Europe. We will still live in England but we have a second home in France which we will use as a base.
    I understand that insurance for cars registered in France usually includes breakdown cover and, of course, there is no road fund licence in France for cars.
    Can anyone who has a van like that confirm if this is correct and is French insurance more or less than they would pay in the UK?
    Thanks in advance.
     
  2. Wildman

    Wildman Read Only Funster

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    if you have a second home in France you can get ADAC cover (Just use that address), Europe 365 days for you both in any vehicle you are in plus some health problem coverage around 120€
     
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  3. Fenman

    Fenman Funster

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    Thanks for that. If it transpires that motorhomes are treated differently when registered in France I will look at ADAC.
    Looks like I will have to ask friends over there to check with their insurers about motorhomes for me.
     
  4. maison

    maison Funster

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    We have found that although there is no road tax in France insurance costs seem to be higher.

    However, like Britain, insurance costs vary depending on post code.

    You can take out ADAC cover with a UK address though.

    Good luck.
     
  5. Baldeagle7470

    Baldeagle7470 Funster

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    I have lived in France for years and find insurance for MH very reasonable.You do have to shop around and change occasionally to get the best deals.
    All my vehicles here are insured "tous risqué " or fully comp in english and all policies cover recovery. anywhere in Europe even from home.
    My motorcycle policy is far cheaper than the UK like for like.
    Hope this helps.
     
  6. Fenman

    Fenman Funster

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    Hi maison and Baldeagle.

    Thanks for your replies.

    Being the tight git that I am I think it might be more economical to register the van in France and base it there. If the total cost of putting it on the road is cheaper in France - insurance and breakdown cover only - as opposed to cost in England - insurance, breakdown and road tax. Even if French insurance is a bit higher but it includes breakdown cover it would be overall cheaper.

    One problem with my theory is that legally I couldn't drive the van in the UK unless I was resident in France so I would have to use my UK registered car back and forth England to France and around the UK.

    Food for thought as they say.

    Thanks once again.
     
  7. Munchie

    Munchie Funster Life Member

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    Our insurance in France includes breakdown cover and can be used in any EU country no time limit and anyone can drive it as it is the vehicle which is insured! Cost much the same as UK!
     
  8. Fenman

    Fenman Funster

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    Thanks Ken.

    Your words just reminded me about the driver bit. I had forgotten that aspect of French insurance.

    It has also occured to me that buying a van in France would be cheaper according to a thread that I read a while back and the euro is favourable as well.

    At this rate I shall be making us French resident - despite all the paperwork!!
     
  9. pappajohn

    pappajohn Funster Life Member

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    You will not be able to insure the car with a French insurer if you dont register it.in France, and the same applies to road tax.....if it remains registered in the UK you will need tax, mot and UK insurance.
     
  10. Baldeagle7470

    Baldeagle7470 Funster

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    Depending on what your van is and the year you could be well advised to buy in France.
    I have registered two here over the years,my last was a Peugeot chassis and Hobby body,German reg.Took me 6 months and the same number of visits to Drea to register plus a lot of expense and stress.
    My current van14 year old Chausson,Citroen jumper chassis.
    Made and built here in France but bought by me in the UK.
    Still had to jump through hoops to re- register here!
    Would be happy to try and help with advice if needed,good luck making your decision,B
     
  11. Fenman

    Fenman Funster

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    I must be losing it a bit as I thought I had said that earlier on.

    Mind you I have seen one heck of a lot of cars in France with UK plates and no tax disc but purportedly insured by French insurance companies. Including builders' vans who have been living and working there for years!
     
  12. Fenman

    Fenman Funster

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    Many thanks for the kind offer.

    I may well contact you nearer the time.
     
  13. pappajohn

    pappajohn Funster Life Member

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    Sorry, you probably did.
    i have a bad habit of not reading the posts fully before jumping in.
     
  14. Baldeagle7470

    Baldeagle7470 Funster

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    I am constantly reading on French forums of people being,shall we say persuaded that the law is you have to register your foreign vehicle within a short time of moving to France ,sure I will be corrected but from memory and without checking 3 months cars and 6 months for motorhomes takes longer for paperwork especially if inspection of gas by Veritas etc needed,laws change and I haven't checked recently but gendarmes are not stupid.
    I try to stay within the law for comforts sake,forget the breathalyser now but disregard the rest at your peril,I don't mean you,just a general comment but there are more and more"controles" spot checks recently.Dont forget this government is short of money!!!
     
  15. Fenman

    Fenman Funster

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    I couldn't agree more.
    As far as I am concerned you keep to the laws of the country you are in. I just wish a lot of people here in the UK would do just that.
    I won't use the Brit builders that a) learnt their trade on the ferry over or b) ride around in UK registered vehicles breaking the law both here and there and c) do all their work on the black with no regard for the law abiding competition who pay their dues and have to charge more.
    Sorry I have gone off topic but it is an area that gets my goat - as you may have noticed.
     
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  16. maison

    maison Funster

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    I am not really sure what you are getting at here, sorry!

    We have our M/H registered and insured in UK but have our motorbike registered and insured in France. We travel all over Europe with a UK plate on the MH and French plate on the mb without any problem.

    An additional plus for mbs is that France does not require an MOT.

    We exported our mb to France and re-registered there. From memory it cost about 20euros, although the administration was a bit of a pain? I understand that re-registering a van is not much different to a mb.

    Once again, good luck. I am sure that you agree that the French way of life is worth it.(y)
     
  17. Fenman

    Fenman Funster

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    I probably haven't explained myself very well.
    My thinking is along the lines of a French registered van equals French insurance which includes breakdown cover over all of Europe and French MOT, only every two years, and no road tax. English registered van equals UK insurance, European breakdown cover, annual MOT and road tax.
    That appears to mean, to me anyway, much cheaper to go for registering the van at our French address. And buying in France would be a whole lot easier to do that and cheaper with €1.36 to £1.
    BUT doing that would also mean not using the van in the UK because you can't buy a vehicle, register it in France and drive it in the UK unless you are resident in France. If you could everyone would be registering their vehicle in France to save paying road tax.
    So my original query was to confirm that French insurance does indeed include breakdown cover. That was something I was told but have never confirmed with a French resident.
    But if French insurance was hugely more expensive then my money saving scheme would go up in smoke.
    I hope that clarifies my posting.
     
  18. maison

    maison Funster

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    I can't see any problem.

    We registered our mb in France by providing our address, utility bill etc to the French authorities. I would have no worries riding the mb in UK. It is registered and insured in a European country so no problem.

    We could not continue to use the mb in France after the MOT ran out. French authorities were quite happy to accept that we were not resident in France but that we were residents of France for 6 months per year. They accepted the registration without problem with our proof of ownership of French property.
     
  19. stcyr

    stcyr Funster

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    When you ask for an insurance quote here it automatically includes Europe-wide breakdown/repatriation cover. You can choose to have it deducted if for example you have Adac cover (which covers any vehicle you happen to be travelling in) ... We have 4 vehicles at the moment, 3 cars & the MH. Cars are French reg. but the MH isn't yet. I took out Adac a few years ago for the MH. Adac works out cheaper if you have a number of vehicles but if you only have one vehicle the Insurance with b/down cover will be even cheaper than having Adac. EXAMPLE: The other day I took an English friend to our local insurance office (as interpreter) to insure his newly acquired MH . He was given a quote for €369. This included b/down. Should he have chosen just ins.cover it would only have saved him about €20. The quote was also to include full no-claims (subject to him obtaining proof thereof from his previous UK insurer. Should he be unable to, the price would only be €469 (no no-claims).
    Unlike most if not all breakdown organisations the repatriation is not limited to the value of the vehicle.
    So, if one has a cheapie MH, and needed recovery from say south of Italy, the cost could easily be more than the value of the vehicle so wouldn't be repatriated.
     
  20. Fenman

    Fenman Funster

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    Many thanks very interesting reading. With the current exchange rate that's looking very good.
     
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