I use Axa here from 2002 to current, and was paid out when a power cut occurred several years ago and we lost freezer contents, which i ddnt know weren’t covered, but have been since, and yes it cost more to add that after, but The Agency gave us an ex-gratia payment, to keep our business? Cynical though I am.
All paperwork is in French,but the various of their agencies I’ve used have all had an English speaking clerk available on the phone. There are two ladies on this website SFN, one is English, who run an AXA Agency, but beware insurance in France is not the same as in England, they don’t do your thinking for you and try and add everything on, it’s when you need it you discover you haven’t got it!
Same with car insurance (Assurance) being the word they use here in France. We had 2 cars. De died to make my husbands Fully comp, mine 3rd Party F&T effectively didn’t use it much. After we separated I forgot, they didn’t ask, and 4 days after my move to a new department car was written off, apparently So just got 150 euros from breakers yard! But Axa have made me an offer now based on the accident after effects, which are ongoing so not sure what to do in terms of full and final settlement! I don’t know what or if anything will be final! I’m sure most men will say it’s easy easy peasy, (my apologies Gentlemen, for being sexist here) but if I was you I’d be phoning those ladies who run the Axa agency, you’ll find details on here.
I last thing, a fuse went I think or rats in the garage this summer, but my freezer Went off unknown to me and yes, all food lost again, aah, upright freezer more than 20 yrs old, a good German make bought in UK and brought here, but not covered because of age! Was never told that either before. I last tip, we got loyalty discount here so annual premiums went up ’ less’ and being retired still said HOW MUCH? Then was offered a further discount! With car insurance, breakdown cover was included to be towed to the garage, I think they all have that, but yes it’s included in the price of cover!
I won’t start on Health cover options, depends on yyour Health! mine is with AXA, called Modulango, but cheaper for me specifically for reasons that are not general.
Axa not cheap, but happy to stay with them, even now I’m a tenant, so if shopping around quality check cover for the premium quoted or offered, food for thought if I haven’t just Frozen your brain!