France remains a dream destination for many people, especially when considering a place to enjoy retirement. Although moving to France is now more complex for UK citizens, 9,000 Brits crossed the channel in 2023[1]. So, if you are love the idea of la vie Française – read our essential tips.

First things first: determine your eligibility to obtain a long-term residency in France. Unless you are an EU/EEA citizen, you need to qualify for a long-stay visa. Check the French government’s visa wizard for the key criteria.

Let’s now look at our top tips:

1.        Understand how the French healthcare system works

Unlike the UK’s NHS, which provides healthcare services free at the point of use, the French healthcare system involves a mix of public insurance (Sécurité Sociale) and private insurance. Therefore, it is essential to choose health insurance cover that bridges that gap, giving you peace of mind from any unexpected bills: Top-Up health insurance cover is the best choice. For those who have recently moved to France or who are not yet in the French healthcare system, temporary and private health cover options are available.

2.      Buying property and inheritance laws

Understanding the basics of French property ownership laws, for example inheritance rights, is essential. France’s rules on succession are different to the UK, with the rights of children carefully protected in law. To ensure your property passes to you upon your partner’s death, purchase it with a tontine clause in the contract; a French Notaire can advise on how to do this.

3.      Adapt to French lifestyle and culture

One of the joys of moving to a new country is appreciating the different lifestyle and culture. However, there’s no doubt it can be occasionally daunting, too.

To build confidence and integrate into the local community, even basic French language skills can be invaluable. Start by practicing with locals in shops and cafés, and consider joining local associations providing art, sporting or cultural activities. These will help you mix and make friends.

4.      Key insurance considerations

Before moving to France, it is important to understand what insurance cover you will need. Drivers living in France must register their vehicles under the French system as well as having appropriate motor insurance cover.

House insurance is important too. Typical cover includes damage to the building, contents, natural disasters and civil liability. It’s worth also considering legal cover (for disputes over purchases, moving house, staying safe online and more) together with policies to protect your family or dependents after you die, or in the event of a serious illness.

We hope that you have found these tips useful – good luck with your realising your dream!

Insurance France is the trading name of AXA Marthon. We are an English and French speaking AXA agency, taking care of your insurance so you can enjoy your life in France.

To find out more please contact us below for a free, no-obligation quotation:

Phone: +33 (0)5 45 70 43 76

Email: agence.florentmorin@axa.fr

Website: insurancefrance.fr

[1] https://www.thelocal.fr/20240801/thousands-of-brits-still-move-to-france-despite-post-brexit-paperwork