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L. Insurance

• Third party liability insurance (‘responsabilite civile’) and apartment insurance. The ‘responsabilité civile’ insurance is a legal requirement for any kind of accommodation (and is not included in the rent). Sometimes the landlord will ask to see your certificate before you can move in. It’s not too expensive though - about 20 euros a year. The insurer will sell it seperately, or as a bundle with normal household insurance.
• Companies
  • SMAPRI (from CEA when you sign your contract)
  • AXA (apartment &/or Supplementary Health insurance)
  • Special deal with FNAK for foreigners: http://www.fnak.fr/dn_TheFnAK/
  • MAIF
  • When you open a bank account, your bank will normally offer to arrange your apartment insurance as well, if you want
• ‘Top-up’ health insurance (as in section F, above) should be organised for you at your medical examination soon after you sign your contract. The FNAK website, above, has advice for arranging for medical insurance for other family members