Cheap Travel Insurance for France
Travel insurance for France: Compare cheap holiday insurance quotes
While France is just 20 miles away from the UK, you could feel very far from home if your bags are stolen or you suddenly take ill while you’re on holiday there. So, if you’re joining one of the 17 million Brits who visit France each year, why not ensure you’re covered by taking out a cheap travel insurance policy for your holiday to France?
Do I have to take out travel insurance for France?
There are several types of insurance that are a legal requirement in the UK (car insurance, motorbike insurance and employers’ liability insurance, for instance), but travel insurance is entirely option.
Whether you’re planning a weekend in Paris or a longer sojourn in Provence, though, travel insurance is likely to be very cost effective, which means there really is no reason not to take out some type of cover for your trip.
Policies can help to protect you against a wide range of unforeseen problems, from having your luggage stolen, to accidently damaging someone else’s property while you’re abroad, to taking ill and requiring medical treatment.
What does travel insurance to France include?
Most travel insurance policies will cover you for the following:
- Medical expenses
- The cost of getting you back to the UK in an emergency (known as repatriation)
- Cancellation or curtailment of your holiday if you have to cut short or abandon your plans for reasons out of your control
- Missed or delayed flights because of circumstances outside your control
- Luggage that’s been damaged, stolen or accidently lost
- Personal liability claims.
If you’re going skiing or snowboarding in the French Alps, make sure your policy also includes winter sports cover. Standard policies usually don’t include this, so if you didn’t add it to your policy you wouldn’t be covered for mountain rescues or damage to skis, boards or other hired equipment.
I have an EHIC, do I still need France travel insurance?
EHIC stands for European Health Insurance Card and if you have one, it means you can get the same medical treatment as residents of the EU country you’re visiting at the same price they would pay.
In France, this means you’ll be able to get some treatment at a lower cost or for free, as long as you’re being treated by a state funded provider known as a ‘conventionné’.
Your EHIC isn’t a replacement for travel insurance, though, as it won’t cover you for private care or the cost of bringing you back home in a medical emergency.
What policy do I need if I’m travelling to France as well as outside of Europe?
Travel insurance is split into three groups:
If you’re only going to France then you’ll only need a policy that covers you for Europe. But if you’re planning on going to France before travelling further afield, to a country outside Europe, then you’ll need a worldwide policy instead.
It’s worth bearing in mind that there are a few countries that some insurers categorise under a ‘Europe’ policy even though they aren’t in Europe, such as Egypt, Turkey and Morocco. With other insurance providers those countries might be classed as ‘Worldwide’, so it’s important to check the small print before you set off.
Do I need single trip or annual travel insurance?
If your holiday to France is your only holiday in a given year then a single trip insurance policy for Europe should meet your needs.
If you’re planning two or more holidays within the next 12 months, though, then an annual (or multi-trip) policy might prove to be better value – just make sure the policy you buy covers the countries you’re visiting.
How long can I be away for?
Travel insurers set limits on how long you can be away for – this is usually 30 or 31 days. If you go over this limit, you risk invalidating your policy which means you won’t be covered if you need to claim.
If you’re planning on being away for more than the limit set then just let your insurer know and they should be able to extend your policy.
If France is your first port of call in an extended holiday or gap year, though, then think about backpacker insurance instead. These policies offer you continuous cover across several countries for at least 12 months.
Do I need additional car insurance to drive in France?
If you’re taking the car across the channel your British car insurance policy should cover you for driving in France, although you may have to request a ‘car insurance green card’ from your insurance company before you set off.
If you do decide to drive to France, you’ll also need to take with you:
- Your valid, full UK driving licence.
- Proof of ID (a passport is ideal).
- A copy of your car insurance.
- Your V5 vehicle registration (logbook) showing proof of car/vehicle ownership.
Where can I buy cheap travel insurance for a trip to Paris?
At Quotezone.co.uk we work with over 35 different travel insurance providers to help you find the best value holiday cover. To start your search and join more than three million happy customers, simply fill out this short form to find the protection you need.