France Risk Assessment Country Guide 

Expat Life in France

One of the most populous countries in Europe, France has been a global power for centuries. With more than 65 million citizens, the nation has staked its claim as a cultural and commercial hub. A well-developed country, France's economy is one of the largest in the world, heavily invested in imports, exports, agriculture and tourism. 

According to the UK Foreign & Commonwealth Office, more than 17 million British nationals travel to France each year. While most visits are uneventful, there are still a number of risks facing expats and tourists in the country. There is a general threat of terrorism, with heightened security in and around public buildings and on modes of transport. 

In order to control the potential costs of life abroad, it is recommended that you consider appropriate international insurance. Comprehensive coverage can limit the financial impact of an accident, incident or injury overseas.

  • Health
  • Safety & Security
  • Terrorism

Before leaving your home country, you should contact your primary care physician to discuss any possible vaccinations or other preventative measures. 

Overall, health care in France is considered adequate. However, the related costs could get expensive, underscoring the importance of obtaining proper insurance. Notably, French authorities announced a reported case of rabies so it is advisable to be properly vaccinated before traveling to the country. 

Clements Worldwide provides GlobalCare® health insurance, with USD 5 million in health care benefits. With Clements, you will have flexible payment options, choice of deductible and around-the-clock, multilingual claims assistance. With this policy, there is no limiting network of doctors. Instead, you can choose from any medical professional you want, anywhere in the world outside your home country. 

In some cases, you may have to travel in order to access appropriate health care. A Medical Evacuation and Repatriation insurance insurance policy from Clements covers expenses to transport you to a capable medical facility in case a local medical center isn’t able to provide adequate treatment.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in France.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

The political situation in France is relatively stable, although protests, demonstrations and large public gatherings could still occur. In that event, you should take caution to avoid large crowds.

A Personal Accident insurance policy from Clements protects your organization’s employees and their families' financial stability following an accident, regardless of whether it occurs on the job or during personal time. Coverage begins at USD 100,000 per person.

Road conditions are adequate across France, and similar to conditions found in the US and UK. However, driving regulations can differ to what you may be used to. Speeding can result in on-the-spot fines, and vehicles and licenses may be confiscated. Drivers must be over the age of 18 and have the proper paperwork.

According to the UK's Department for Transport, there were 3,653 road deaths in France in 2012 alone. That equals 5.6 road deaths per 100,000 of the population. In addition, large trucks over 7.5 tons are prohibited from driving on Sundays as well as on all public holidays. 

Clements offers International Car insurance, which includes Physical Damage, Third Party Liability, and Excess Liability coverage. With flexible deductible options and fast claims processing, your policy will provide coverage for your vehicle fleet whether it’s on the road, parked or transported abroad. 

Mariners near French waters may also want to consider obtaining the appropriate insurance. A Maritime Security insurance policy from Clements ensures compliance with BIMCO insurance requirements and GUARDCON standards that will achieve cost savings, better coverage and more efficient policy administration.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in France.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

Expats should be vigilant of terrorist ISIS attacks in France. Attacks may target locations including hotels, bars, restaurants and public transport. The French island of Corsica has been subject to numerous explosions, failed explosions and other attacks recently. Common targets include government buildings, police vehicles and holiday homes.

On October 17, 2016 a 32 year old man radicalized by Islamic extremists attacked and injured two French police officers.

On September 4, 2016, two people were injured when a detainee at a radicalization prevention facility assaulted supervisors. The incident took place in Osney, France.

On September 2, 2016, a man was shot and killed after he attacked and injured a nurse. Responding police officers were also wounded while subduing the attacker in Vincennes.

On August 30, 2016, a policeman was wounded in a melee attack in a police station.

On August 19, 2016, a rabbi was stabbed in Strasbourg by a man reportedly shouting Allahu Akbar.

On July 26, 2016, two assailants associated with the Islamic State killed a priest and wounded three others in the French city Saint-Étienne-du-Rouvray.

On July 14, 2016, a Tunisian man drove through a crowd of people celebrating the French National Day in Nice. The vehicular attack killed 84 civilians and injured more than 300 others. French police exchanged fire and killed the driver.

On June 13, 2016, a man shouting "Islamist slogans" stabbed his neighbor, a 42-year-old police officer, to death before taking the officer's wife and son hostage. Police raided the house and killed the attacker and discovered the officer's wife dead but his son alive. ISIS claimed responsibility.

On November 13, 2015, ISIS coordinated several terrorist attacks took place simultaneously in Paris, killing more than 120 people and injuring hundreds of others. The attacks took place at a concert hall, a soccer stadium where France was playing Germany, and several local restaurants. As soon as the attacks occurred, the world reached out in support of the French and their heartache. 

On January 7, 2015, a terrorist attack killed 12 people in Paris. Two masked gunman stormed into the satirical newspaper, Charlie Hebdofired, and fired up to 50 shots, killing the editor, three political cartoonists, and a police officer among others. On January 8, 2015, a gunman took several hostages at a kosher supermarket at the Porte de Vincennes, resulting in 4 deaths.   

A War and Terrorism insurance policy from Clements offers the right coverage against the risks of civil unrest, war, riots, looting and acts of terrorism.

Clements also provides Kidnap and Ransom insurance, which ensures financial assistance following a kidnapping, such as independent investigations, negotiations and the arrangement and delivery of funds.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in France.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions