With summer comes the time for camping and outdoor activities. But camping is sometimes accompanied by unforeseen events: bad weather, various accidents…
Camping and insurance in France can be a bit of a challenge. Here are some tips to help make your camping experience safe and worry-free.
When planning your trip, be sure to research the different types of camping accessible in France. There are campsites with electric and water hookups, as well as campsites that are only accessible by foot. Make sure to read the amenities list at each campground to see what services are available.
When camping, always use a reputable camping provider. Make sure to research the companies before booking a spot. Make sure to read the reviews before making your decision.
If you are unfortunate enough to experience a camping-related incident, be sure to contact your insurer as soon as possible. Many insurers have 24-hour emergency numbers.
Finally, be sure to take all the necessary precautions when camping in France. This includes bringing appropriate gear, such as a first-aid kit, and ensuring that you are properly insured.
A few tips to enjoy your holidays with complete peace of mind.
Preliminary formalities before going camping
You camp on a landscaped site: the usual formalities are carried out on your arrival with the owner or the caretaker of the campsite.
You wish to settle on undeveloped land: you must first obtain the owner’s authorization.
You want to set up your tent in a national forest (which belongs to the State): ask for authorization from the local manager of the National Forestry Office.
You are going camping abroad: find out about the formalities specific to each country from the International Federation of Camping, Caravanning and Motorhomes (FICC).
Whatever the formula chosen, it is strongly recommended to check that your insurance contract guarantees your civil liability in the event that you are responsible for a fire affecting dwellings, forests, crops… In France, this insurance is moreover required by the National Forestry Office and by certain operators of developed land. If you are responsible for a fire, to prove that you are the holder of valid civil liability insurance, you can present either a membership card from the Fédération des campeurs, caravaniers et motorhomes (FFCC) or a an affiliated Club, or an insurance certificate provided by your civil liability insurer.
Camping and insurance
The guarantees offered by insurers can be included in a multi-risk home insurance contract or be the subject of a specific insurance contract.
Liability insurance
It is intended to cover the financial consequences of damage you may cause to others while camping.
If you have taken out a multi-risk home contract for your home, you benefit from private life civil liability cover. In this case, check with your insurer:
- that it does not exclude the camping activity;
- that it covers fire and explosion damage, outside your home and for what amount (holiday civil liability guarantee);
- that it does not exclude the foreign country where you intend to go.
If necessary, request an extension of warranty from your insurer.
Moreover, if you join an association that is a member of the Federation of Campers, Caravanners and Motorhome Owners (FFCC), you automatically benefit from insurance that includes civil liability cover.
Insurance for damage to camping equipment
It is possible to guarantee, for a limited amount, your small camping equipment, your objects and personal effects against bad weather and theft.
From the moment your equipment is guaranteed, it is also guaranteed for natural disasters (floods, etc.) recognized by an interministerial decree.
Personal accident insurance while camping
In the event of an accident, if you or your loved ones are injured, an individual accident insurance contract allows you to benefit from lump-sum or compensatory benefits (daily allowances, capital in the event of disability, etc.) to cover expenses not taken supported by the social organization. Some of these benefits can be combined with compensation obtained from a person responsible for the accident when the action against this person responsible has been successful.
It is important to check the guarantees of the insurance contracts (exclusions, territoriality, etc.) and to consult your insurer in order to complete them if necessary.
If you go camping abroad, the maintenance of social security coverage depends on the country of destination. The European health insurance card is essential to travel to a country in the European Economic Area. Outside Europe, coverage varies from one country to another and you should contact your Social Security fund.
The other guarantees
Other guarantees may be offered, including:
- cancellation or interruption of stay insurance;
- legal protection insurance;
- assistance guarantee.
If your kids are going camping…
Many young people spend their holidays together and opt for camping, an economical form of accommodation. You may be held liable if your minor child causes damage.
With regard to the civil liability of your adult dependent children, refer to any provisions provided for in your home insurance contract.
If your child wishes to go abroad, check that the guarantees offered by your contract are also applicable in the country concerned. Failing this, ask your insurer for a territorial extension of your contract or take out a specific contract if necessary.
Conclusion
Camping and insurance can be a fun and safe experience in France, but be sure to research your options and be prepared for any potential accidents. Make sure to have insurance in case of an emergency, and be sure to read the fine print to make sure you’re getting the best deal.