Asttral is a French-domiciled Insurance Broker transacting business within France and Internationally. It is active in both commercial and retail sectors of the insurance marketplace, increasingly aiding English-speaking clients to identify, understand and subsequently arrange their Insurance requirements in France. France, like any other nation, has particular features surrounding its insurance industry which are significantly different from those encountered at home. It is important that newcomers are aware of these features. Below are just a few examples that highlight this point : 1) Housing A key factor in assessing the annual premium of your house insurance is the dimensions of the property. If renting out a property on a long-term basis, it is necessary that both the owner and the tenant have specific policies that cover the property. 2) Motor In France it takes 13 years to build up a Full No Claims Bonus. In certain cases we can transfer UK No Claims Bonuses to French policies. 3) Health a) Membership of the French State Health System, in many circumstances, does not cover full cost of your medical requirements. It is necessary to purchase, like most French Citizens do, a Mutuelle policy (Top Up) to cover any shortfall. b) In France the E111, in many circumstances, does not cover foreign visitors or tourists medical expenses. It only covers the equivalent that a French citizen/ resident would receive, so the advise in point (a) would apply. 4) Cancellation of policy Under most policies in France, it is necessary to give a minimum of 2 month s written notice of cancellation prior to the annual renewal date to your insurer to avoid having to automatically continue the next year with the same Policy. ASTTRAL through it s French and English staff can help their clients to fully understand the market and arrange the appropriate Insurance in the following Sectors. PROPERTY HEALTH MOTOR PERSONAL ACCIDENT LIFE MARINE COMMERCIAL EVENT and SPECIAL RISK INVESTMENT, PLACMENTS AND PENSIONS