Clé France

Club Clé France: Home Insurance

We have been working with Allianz Insurance since 1999 and more recently with the excellent Franck Haloche, who along with his team offer a friendly, professional service and they also speak very good English!

Whether your house in France is your main or secondary residence, an apartment or a chateau, if you're the owner or the tenant, we can insure you.

French home insurance specificities -

Contrary to arrangements in the United Kingdom where house and contents insurance are organised separately, in France they are combined in one policy which makes life very much easier and your public liability is always included.

School insurance in France -

If you have children then your assurance scolaire (school insurance) can also be included in the Household policy.

If you have a Health Top Up and a Car policy with us and decide to have a Household policy too, you can benefit from 10% off your contracts, making a considerable saving.

Please complete our Enquiry Form Below for more information.

Enquiry Form - Allianz Insurance

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Learn more about Healthcare Insurance in France "in plain English", download our 'PDF Guide to Healthcare in France'.

When looking for a quotation from a French insurance company, in English, that is suited to your specific health insurance needs? or just looking for advice / information about the health insurance system in France? then...

Franck and his English speaking insurance team are proud to be of service to you.

Cle France in partnership with Franck commit ourselves to providing you with excellent service you can rely on.

Franck and his team's main purpose is to establish a friendly, professional rapport with you and help you to decide what sort of insurance you need.

They can also review your current cover to ensure it still meets your needs and those of your family.

Car, House (Building and Contents Insurance), Medical Top-Up (Affordable Top Up insurance for you and your family). Allianz offer the security of a strong French business with the convenience of an English speaking insurance team, so your quotations can be provided in English.

Franck and his team look after your Insurance requirements:

Contact us and let us know your specific needs so that we can provide you with a detailed quotation suited to your family's specific requirements.

CABINET ALLIANZ

Franck Haloche.

Forward Contracts

Fixing your exchange rate in advance

Exchange rates can fluctuate dramatically so it can be risky to leave yourself open to market movements when converting money from one currency to another. Of course the rate could move in your favour, however, it could also move enough against you to completely ruin your budget and your plans.

A Forward contract with FC Exchange means you can fix your exchange rate for up to two years in advance, so you’ll know exactly how much you’ll get when you make your international money transfer. This makes budgeting a great deal easier and a lot of stress is removed.

How does a Forward contract work?

Call us to discuss things like the amount of money you are looking to exchange and the time frames you have to work within. We can look into rates for you which can be used to calculate the exact sums of both currencies involved – you’ll know exactly what you’re getting.

If you want to go ahead, we will agree the exchange rate at which your money will be transferred in the future. You will send us a deposit (this is not an extra cost; it’s deducted from the balance you pay in the future). Then, when the transaction reaches the ‘settlement date’, you pay us the balance at the pre-agreed rate. All you need to do then is tell us where to send your money.

Forward contracts can be ideal if you don’t need to make a payment immediately but you can’t afford for the exchange rate to be moving wildly. If, for example, you’ve agreed to buy or sell a house overseas, but the completion date is a few weeks or months away, a Forward contract lets you guarantee the exchange rate, so you know exactly what the house will cost on completion day.

Paying a deposit

When we book a Forward contract for you we’ll ask you for a deposit (which is industry-standard). The deposit just covers the risk we take in agreeing to buy all of your currency in advance with our counterparties.

We’ll ask you for somewhere between 5% and 10% of the value of the currency you are selling. This is a guide to the deposit you may need and the exact amount depends on things like the currencies involved and how far into the future you would like to fix a rate. You can call us and we’ll talk through your particular circumstances.

Depending on currency fluctuations, we might need to increase your deposit over the time period of your contract in order to maintain the agreed deposit level. This is called a ‘margin call’. We can always return any extra to you if rates change back. Either way any extra deposit isn’t an extra cost, it just means you pay less on the completing payment.

Flexible settlement dates

You can ask us to book a ‘window period’ for you with the Forward Contract settlement date. This means you can settle in between two pre-determined dates that you tell us at the outset. This can be a really useful way to cover off foreign exchange risk if you don’t know the exact date when you’ll need to pay, but you still want to fix the rate. Again, this is really handy for property completions, because although you may have a firm completion date, funds can still take a few days to be released by a solicitor or notary.

Ben Amrany from FC Exchange follow this link or phone and ask for myself and quote "Cle France" on 020 7989 0000.

You may contact me directly using this form (click here) with your requirement and I will explain the options that are available to you in getting the best exchange rate.

The main reasons our customers choose us are:

No Fees & Commission - Saving you money.

Security – We’re authorised by the FCA as an Authorised Electronic Money Institution (FRN: 900205).

Speed – You can set up an account, buy and send currency with us on the same day.

Service – Amazing service is our priority. Over 50% of our customers have come recommended.

Exchange rate savings – We offer a Best Exchange Rate Guarantee.

So what to do now?

Create an account via the FC Exchange website.

If you have not used a currency trader before then read our article Using a Currency Trader: The basics.

We all want to get the most Euros for our Pound but how do you do this? read our article on How do I get the best Exchange rate deal?

Contact Ben direct to discuss your currency needs using the form below -

For everything you need to know about French property for sale visit www.clefrance.co.uk

Club Clé France: Health Insurance Advice

We have been working with Exclusive Healthcare for many years. Ceri Hollingworth and her team offer a friendly, professional service and they also speak English; indeed Ceri is English!

France has always been renowned for the quality of its healthcare and is at the forefront of pioneering research, it has fantastic hospitals and boasts a high life expectancy rate.

One of the first steps you may wish to do is to join the Social Secuirty system, but how do you do that?.

How to join Social Security -

1. S Form

You need to get the 'S form' from health service of the your country to get benefits :

For the UK the office address is -

DWP Overseas Medical Benefits Helpline International Pension Centre

Room Tc001

Tyneview Park

Whitley Road

Newcastle upon Tyne

NE98 1BA

Tel : 0044 (0)191 218 1999

Monday to Friday 8am-5pm

2. Local CPAM office

You should register with your local CPAM office for affiliation.

It will deliver an attestation provisoire if not all the documents are available or attestation d’affiliation.

Healthcare is covered by CPAM from that day.

The following are requested :

- passport

- details of place of birth (for each person)

- proof of address in France

- date of permanent arrival in the département

- proof of having lived in France for at least 3 months

- marriage and birth certificates

- RIB ( bank details)

- Evidence of income for 12 months ( in France or elsewhere)

Then you will receive your carte vitale (green health card) which has to be handed at every health appointment. It has to be updated annually in the green box at town halls, hospitals or pharmacies.

For employed person your employer declares you to URSSAF and you must register with CPAM.

For self-employed person contact the relevant authority :

- professionals : URSSAF or Chambre de Commerce

- artisans (craftsman) : Caisse Régional des Artisans et Commerçants

- farmers : MSA.

When looking for a quotation from a French insurance company, in English, that is suited to your specific health insurance needs, or if you are just looking for advice and information about the health insurance system in France.

Please complete our Enquiry Form Below for more information.

Enquiry Form - Exclusive Healthcare

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Learn more about Healthcare Insurance in France "in plain English", download our 'PDF Guide to Healthcare in France'.

Exclusive Healthcare specialises in Health Insurance for English speaking residents in France. They offer a range of policies designed to meet the needs of people moving to France at every stage and in all circumstances.

Ceri and her English speaking insurance team are proud to be of service to you.

Contact us and let us know your specific needs so that we can provide you with a detailed quotation suited to your family's specific requirements.

Ceri HOLLINGWORTH
International Insurance Advisor.

For everything you need to know about French property visit www.clefrance.co.uk

How do I get the best Exchange Rate Deal ?

We feel it is important to offer our clients the best advice on all aspects of buying and owning property in France:

So here is some advice on how to get the best deal on currency exchange from Ben Amrany at FC Exchange.

We all have to live life at a fast pace these days and that makes it all the more important for you to be able to arrange quick and painless foreign currency exchange when buying or selling abroad. Finding the best exchange rates and arranging easy international money transfers is vital, and that's why you need to come to us.

We will assist you with your international money transfers, providing you with a service that is safe, fast and can save you money.

We offer you a variety of products which you can tailor to suit your needs, and our dedicated support means you can make the most informed decision when sending money abroad.

You can even fix an exchange rate now, using a Forward contract, for currency that may only be needed up to two years in the future.

How does it work?

Confirm a great exchange rate - over the telephone or online

You pay us

We exchange your funds

Your converted money is sent - same day SWIFT transfer, unless otherwise specified by you

We confirm your transfer - at no extra charge

Our Process

Dealing in the foreign exchange market can be daunting. With FC Exchange, though, we will aim to save you time and money, whilst ensuring our trading processes are clear and straightforward in three easy steps:

1. Register with us

Opening an account with us is simple, takes just a few minutes, and is free to do with no obligation to trade, providing you with the facility to simply give us a call and secure the best exchange rates. Register now here.

Upon receiving your registration form, we'll then confirm your identity and undertake anti-laundering verification checks, as required by UK law. If you're unable to meet the accepted benchmark, though, or you reside outside of the UK, you may be asked to provide supporting documentation as evidence of identify and proof of address.

2. Get a great exchange rate

When getting in touch with a FC Exchange broker, we'll provide all the necessary data and market news to help you make an informed decision, answer any questions you may have regarding the market and foreign exchange rates, and assist with your currency purchase. After confirming the exchange rates with you, you'll simply need to instruct your broker on when to purchase on the live market on your behalf who'll secure you a great rate.

You'll then receive a contract note from us to confirm the exchange rate, the amount of foreign currency purchased, along with the applicable FCE bank details for trade settlements. You can also transfer the funds to us, prior to trading, for execution when you choose.

3. We send your currency abroad

Once your funds are cleared and received, we'll send on your currency to the stipulated destination by priority international transfer. Confirmation is then provided by our principal bankers at Barclays that your transaction is complete.

If you have a currency requirement coming up please do let me know and I can keep my eyes on the market for you and talk you through the options that may be suitable for you.

I look forward to hearing from you.

Ben Amrany

Senior FX Broker

FC Exchange: Salisbury House, Finsbury Circus, London. EC2M 5QQ.

T: +44 (0)20 7989 0000

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For everything you need to know about French property visit www.clefrance.co.uk

Hi, Alex here!

At Cle France we get questions asked all the time and I don't think I can recall a question being posed that we could not answer or at the very least point our client in the right direction.

No doubt following the UK decision to leave the EU you may have a lot of questions surrounding this subject and indeed anything connected with searching for, viewing, making an offer, the buying process, owning a French property and moving to France etc.

If you have a question? I will answer it.

Simply fill out the form below and I will get back to you very soon.

Your question may have already been answered of course, check out the previously answered questions here on the 'Just Ask Alex - FAQs' Blog pages. You will find many more informative and entertaining blogs there too.

Ask Alex

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Also would you contact me about the following:

Currency Exchange

Mortgage Advice

Insurance House/Health etc

Savings/Investments

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Cle France Ltd : Company No 7056720 : Registered address - 6/7 Castle Gate, Castle Street, Hertford, Hertfordshire, SG14 1HD.

For everything you need to know about French property visit www.clefrance.co.uk

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