Decennial insurance question

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Decennial insurance question

Post by Tony H on Fri Jan 17, 2014 12:26 pm

One for the artisans on here... I was chatting with friends the other day about the guarantees that decennial insurance provides for clients and an interesting query arose....

Say you have some major work done by a fully registered and insured artisan and even take the precaution of a taking a copy of the insurance certificate valid at the time work was done, where does that leave you a couple of years down the line when a problem arises.

Say the artisan is no longer trading, retired, deceased etc and thus he no longer has current decennial insurance, can you make a claim to the insurance company based on the fact that he was insured with them when the work was done, as opposed to when the problem arose.

Similarly, say the artisan has changed insurance companies and is currently insured, would the claim be against the old one or the new one, assuming he wanted nothing to do with sorting the problem directly.

I just cannot imagine insurance companies covering clients many years down the line when the artisan is no longer a customer, perhaps if he was only insured with them for a year.

Can anyone enlighten me please ?? Thanks

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Re: Decennial insurance question

Post by very19 on Fri Jan 17, 2014 7:07 pm

As i can see on misceallenous french forum for this issue the insurance is valid although the artisan is over. Logical, think the fee is paid so insurance has to be valid.
I think, best is to contact insuranse company.

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Re: Decennial insurance question

Post by Tony H on Fri Jan 17, 2014 8:48 pm

Thanks Very... There is no problem at the moment... it was a hypothetical question.

From what you are saying then it seems the cover extends for the full 10 years even if the insurance was cancelled during that time.

Would be interesting to see how difficult the insurance company would be in that situation... they are not renowned for being customer friendly.

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Re: Decennial insurance question

Post by Le-Dolly on Sat Jan 18, 2014 11:53 am

Tony, your last line pretty well sums up my thoughts. I have often wondered what would happen if the Artisan, who's work is being put in question, decides to be a bit 'awkward' or has indeed snuffed it and no record has been made of the DI certificate and the name of the providing insurers. Knowing how reliable insurance companies are in doing the right thing  Laughing , and how they like to foist the blame or cost elsewere, it could turn out to be a bit of a task to track down the relevant company in the first instance, let alone gain satisfaction. I am a 101% cynic.
Whilst we carry Decennial insurance, we have never, repeat never, been asked to show any proof of such, only sometimes asked if we have it. Although we have copies available to hand out, I have decided to adopt the French way as practised by Fonctionaires & Customer Service agents throughout the land, IYDA,YDG, If You Don't Ask, You Don't Get.

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Re: Decennial insurance question

Post by very19 on Sat Jan 18, 2014 3:55 pm

Tony H wrote:how difficult the insurance company would be in that situation... they are not renowned for being customer friendly.

So true  Rolling Eyes 
So many calls, approaches, registered letters to succeed. Best thing that can happen is to have paid insurance and pray to never need it!

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Re: Decennial insurance question

Post by Tony H on Sat Jan 18, 2014 4:39 pm

very19 wrote:

So true  Rolling Eyes 
So many calls, approaches, registered letters to succeed. Best thing that can happen is to have paid insurance and pray to never need it!

 lol!

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Re: Decennial insurance question

Post by Alpen on Wed Feb 05, 2014 4:08 pm

Le-Dolly wrote: I have decided to adopt the French way as practised by Fonctionaires & Customer Service agents throughout the land, IYDA,YDG, If You Don't Ask, You Don't Get.

Le-Dolly, If you have gone to the trouble and expense of Siret registration and buying insurance, to my mind good business practice would be to provide copies of both with all Devis you issue. I would ignore the French way and try and set new standards in business practice.

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Re: Decennial insurance question

Post by Le-Dolly on Wed Feb 05, 2014 7:29 pm

Alpen wrote:
Le-Dolly wrote: I have decided to adopt the French way as practised by Fonctionaires & Customer Service agents throughout the land, IYDA,YDG, If You Don't Ask, You Don't Get.

Le-Dolly, If you have gone to the trouble and expense of Siret registration and buying insurance, to my mind good business practice would be to provide copies of both with all Devis you issue. I would ignore the French way and try and set new standards in business practice.

In a perfect world you may well be right, but, we work from the 1st January to the 23rd of July for the government (cotisations etc) then we begin to earn for ourselves, but are still yet to be subjected to income tax, cost of insurance, wear and tear & fuel for the vehicle, replacement tools, etc. etc.. Therefore every penny counts. Last year we assessed and then sent out over 160 devis of which we knew that only about 35 of the inquirers had any serious intent to carry on any further. Each devis takes between 2 & 3 hours at the inspection stage then it has to be written up, another 2½ hours and then printed & posted on. We have to assign the whole weekend to the process, subsequently we have not had a weekend to ourselves for over 12 months and have not had any more than three days off together (barring Christmas/New Year) for over a year and a half. What do you do for your weekends?
Incidentally, of the 35 serious requests for a devis, we turned 2 jobs down, were unsuccessful in 1 other and were successful in the remaining 32, I think not a bad return for our lack of "good business practice".

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Re: Decennial insurance question

Post by Alpen on Fri Feb 07, 2014 11:52 am

Le-Dolly wrote:
Alpen wrote:
Le-Dolly wrote: I have decided to adopt the French way as practised by Fonctionaires & Customer Service agents throughout the land, IYDA,YDG, If You Don't Ask, You Don't Get.

Le-Dolly, If you have gone to the trouble and expense of Siret registration and buying insurance, to my mind good business practice would be to provide copies of both with all Devis you issue. I would ignore the French way and try and set new standards in business practice.

In a perfect world you may well be right, but, we work from the 1st January to the 23rd of July for the government (cotisations etc) then we begin to earn for ourselves, but are still yet to be subjected to income tax, cost of insurance, wear and tear & fuel for the vehicle, replacement tools, etc. etc.. Therefore every penny counts. Last year we assessed and then sent out over 160 devis of which we knew that only about 35 of the inquirers had any serious intent to carry on any further. Each devis takes between 2 & 3 hours at the inspection stage then it has to be written up, another 2½ hours and then printed & posted on. We have to assign the whole weekend to the process, subsequently we have not had a weekend to ourselves for over 12 months and have not had any more than three days off together (barring Christmas/New Year) for over a year and a half. What do you do for your weekends?
Incidentally, of the 35 serious requests for a devis, we turned 2 jobs down, were unsuccessful in 1 other and were successful in the remaining 32, I think not a bad return for our lack of "good business practice".


Le-Dolly, Maybe just give copies of your siret and insurance on the jobs you actually get. I'm sure you know your business well but I would be concerned at the time spent on providing 125 Devis knowing that they were a waste of your time. At an average of 5 hours on each one, you have spent 625 hours on them. On a 12 hour day thats 52 days work. I have no idea how you can eliminate the Devis collectors but I wish you luck. Being self-employed in France is very tough.

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Re: Decennial insurance question

Post by Le-Dolly on Fri Feb 07, 2014 5:48 pm

Alpen wrote:
Le-Dolly wrote:
Alpen wrote:
Le-Dolly wrote: I have decided to adopt the French way as practised by Fonctionaires & Customer Service agents throughout the land, IYDA,YDG, If You Don't Ask, You Don't Get.

Le-Dolly, If you have gone to the trouble and expense of Siret registration and buying insurance, to my mind good business practice would be to provide copies of both with all Devis you issue. I would ignore the French way and try and set new standards in business practice.

In a perfect world you may well be right, but, we work from the 1st January to the 23rd of July for the government (cotisations etc) then we begin to earn for ourselves, but are still yet to be subjected to income tax, cost of insurance, wear and tear & fuel for the vehicle, replacement tools, etc. etc.. Therefore every penny counts. Last year we assessed and then sent out over 160 devis of which we knew that only about 35 of the inquirers had any serious intent to carry on any further. Each devis takes between 2 & 3 hours at the inspection stage then it has to be written up, another 2½ hours and then printed & posted on. We have to assign the whole weekend to the process, subsequently we have not had a weekend to ourselves for over 12 months and have not had any more than three days off together (barring Christmas/New Year) for over a year and a half. What do you do for your weekends?
Incidentally, of the 35 serious requests for a devis, we turned 2 jobs down, were unsuccessful in 1 other and were successful in the remaining 32, I think not a bad return for our lack of "good business practice".


Le-Dolly, Maybe just give copies of your siret and insurance on the jobs you actually get. I'm sure you know your business well but I would be concerned at the time spent on providing 125 Devis knowing that they were a waste of your time. At an average of 5 hours on each one, you have spent 625 hours on them. On a 12 hour day thats 52 days work. Wot I said, no weekends off. I have no idea how you can eliminate the Devis collectors but I wish you luck. Being self-employed in France is very tough. Ain't that the truth.

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