French insurance culture is totally different from the British. In the UK, it is the driver who is insured so his insurance applies when he drives someone else’s car. In France, on the contrary, it’s the car which is insured and the policy allows for occasional use by another driver with the insured driver’s permission (but the policy holder will lose bonus if the guest driver has an accident and is found liable).

This information is relevant for people coming from a European country with an S1 or S2 form, formerly called E121, E106 or E109, or, more occasionally, an E112, and who wish to live in France.

New names for the European health forms

• S1 (formerly the E121) is for those who have reached retirement age in their country of origin, and will be covered in France as long as they stay in France.

We were recently able to help a Generali customer (of another broker) after reading her post on the Total France forum.

Any educational establishment, school or university will ask for an attestation proving that the student is covered for liability insurance.

What does it cover?

The no-claims bonus does exist in every country of the European community ! There is just one little problem… each country has its own way of adapting a calculation, and when you go from one country to another, you can get confused.

In this article we will try to explain why insurance premiums can vary so much for what you would think would be the same type of cover.

Driving licence rules can be different according to the various countries in Europe. In this article, we will only talk about driving licences for cars, which require a category B driving licence.

As long you do not have an accident, the world seems like a long and quiet river. But when an accident happens, whether or not it is your fault, then life can soon become a nightmare. We will try to give you as much as information as we can, so that in such a case you can defend yourself.