Check out the latest Brittany Gems Newsletter ......
A great recipe for a French supper dish - Flamiche aux Poireaux - and of course a recommendation for a great bottle to go with it!
Brittany Gems Newsletter
Apologies to our regular readers for the recent absence but the house move has been rather time consuming. Normal service will be resumed shortly .....
But for now here we are (and Alfie) enjoying the new garden .....
"Cider with everything"
The ramblings of two guys who have finally made the move to one of the most stunning and friendly areas of France; every day experiences, light hearted observations of French life, as well as useful information on the goings on in the property market in Brittany! To find out more about what we do please visit www.brittanygems.com
Thursday, May 2, 2013
Wednesday, March 13, 2013
The Anomalies of French House Insurance ……
We continue to be crossed fingered as we move slowly through
the apartment selling and house buying process here in France. …..
Theoretically only 25 days to go as completion is set for
Monday 8th April and as the process continues we come to understand
in ever more detail the nuances of the French and the differences between life
here and in the UK.
House insurance for example!
We understand that at the point of signing the final ‘Acte’
on completion day we must satisfy the Notaire that we have the appropriate
house insurance in place. Nothing really
different there and getting quotations is a relatively straightforward process
but some of the considerations and exclusions do puzzle us somewhat.
Buildings and contents insurance is all under one policy
which makes life easier I suppose but no value has to be placed on the house –
that is not even mentioned in the policy it is just assumed. Value of contents must be specified however
and ‘valuable’ items listed separately; again no real difference and terms such as ‘new
for old’ feature as options here too but how about this….
….. If a house has shutters it must be disclosed and theft
claims are not paid if the shutters are not closed for periods of absence
longer than 24 hours!
….. Water damage claims from frozen pipes are not paid if
water is not turned off at source and systems drained!
….. Fire damage claims from electrical fires will not be
paid where installations do not use French materials ……. yet it is not important how old the installation is!
….. Fire damage claims from open fires and wood burners will
not be paid if the chimneys are not swept by a professional on an annual basis
with appropriate documentation produced.
I suppose that thinking realistically these exclusions are
logical and in most circumstances encourage and remind you to protect your
property effectively; but one cannot help wondering why houses without shutters
are not obliged to fit them and what would happen if a burglar actually stole
the shutters or indeed was impolite enough not to close them after stealing
your possessions!
Sunday, March 10, 2013
Consideration
for some of the practicalities of buying property in France……
It’s quite understandable that a great many people who are looking to
buy a property in France, particularly if it is to be a vacation home, have had
a dream for a long time and in many cases that dream consists of peace,
tranquillity, isolation and as much land as their buying euros can get them.
‘We really want a place with land – we feel so hemmed in at home and
have always wanted space – perhaps something with an orchard ……… We want to be able to get away to a place
that’s quiet and not surrounded by other people – yes we really want to be
right out in the country…….!’
We hear this from so many of the clients that we talk to and yes
doesn’t it sound wonderful? But we never
want people to make a mistake. Our job
is to work with people to find a property that is a perfect gem for them and so
we regularly challenge this dream. We take
our responsibility very seriously and try hard to pass on some of the practicalities
of living with this dream and what it will actually mean to our clients.
If it’s right for you land is great and it brings with it some great
opportunities. Properties with large
amounts of land are certainly readily available and compared to elsewhere still
great value in France. But if it’s a vacation
home, who is going to maintain that land and who is going to keep that garden
looking pristine for each time you visit.
It’s certainly possible to employ property and land management companies
to do this for you but if you can’t run to that expense do you really want to
be spending all of your vacation time, mowing, pruning, trimming, digging and
in some cases harvesting orchard fruits in quantities that you probably can’t
consume- It’s certainly worth consideration? Would a small manageable garden with
a terrace allowing you to sit with a glass of something suitably chilled and
enjoy the view be more appropriate and give you more of the lifestyle dream
that you have.
Even if the property is for a permanent move – perhaps a retirement, is
the land that is manageable now going to be as much of a pleasure in say 5 or
10 year’s time?
Similarly, solitude and isolation have a great attraction particularly
if you are surrounded by neighbours at home but consider the practicality of
the journey for fresh bread and croissants each morning or the forgotten bottle
of milk? If you can’t walk to even a
basic shop do you really want to have to get into the car for these little
daily tasks or emergencies?
If you don’t have easy access to a restaurant or a bar, do you really want
to get into the car every time you fancy an evening out? And perhaps more
importantly, does that mean that the second glass of wine with dinner would not
be a good idea? Again certainly worth
serious consideration.
Of course in our job we understand that each client is different and in
some cases the practicalities of living with the dream far outweigh any
disadvantages but make sure that all the aspects of your new life are
considered and whichever way you do decide to go we can certainly help you find
the property of your dreams.
And as a PS and certainly an important property tip, just because it’s
going to be a holiday home – don’t think that it’s a good place to ‘practice’
you DIY skills. Even if you think you
will never sell on your property, try to get work done to as high a specification
as possible. Buyers want the best value
they can get and if work has been done, a finish that is as professional as it
can be. We have seen some DIY horrors in
our time and advise our clients that unless they are well skilled and
understand French structural nuances to leave work to the professionals either
French artisans or expats who have been recommended. Ensuite bathrooms created in corners of
bedrooms from UPVC cladding – I don’t think so……….
If you do need to do work and want to use French artisans, be prepared
for the 4 or 5 different tradesmen it will take to complete a new bathroom for
example. If you can’t be there yourself
to oversee the work, don’t just hand over the keys and expect completion – get
someone to project manage on your behalf – there are companies out there that
will do that for you….
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