Liability Insurance

Ok, so I have hit another obstacle. I do not own a car or a house and therefore I do not have an insurance broker. What does this mean? I am finding it extremely difficult to find liability insurance.

Here is the liability insurance journey so far:

  • I researched where to find this type of insurance and found out that one could obtain it from the same insurance broker that you have with a car or home
  • As I do not have a car or house, I decided to ask around
  • I had a lead: Tenant’s insurance with liability. I had heard that this would probably be my only option
  • I called up a well recommended insurance company and told them the situation. They told me it would probably be no problem and to call them back when I was ready to obtain it.
  • With my appointment one month away, I decided to get this insurance set up. I called the insurance company. The gentleman asked me to give him a week to do some research and he would get back to me.
  • A week and a half went by and I heard nothing, so I called him and had to leave a message.
  • I received a message in my inbox saying that he could not provide me this insurance and as far as his research went (which sounded pretty far), no one else was willing to provide me with this insurance either.

And now here I am…

The application gives you the option of signing an affidavit stating that I will obtain liability insurance upon arrival in France. The insurance broker did recommend I do this. My only worry about this is that I would have absolutely no idea how or where to get the insurance in France. What if I ran into the same problem that I have run into here? I will email the consulate asap and tell you how it goes. Even thinking about this gets my tummy flipping a little with nervousness.

The other option is to get my aunt to call her insurance company and add me into her plan with liability (I live with my aunt). I will do this asap as well.

I hope I will shortly have this problem sorted out.

If you know anything about this topic, or have been through the same situation, please let me know!

Thanks!

Amazing New Developments!

I’m starting to get very excited about this trip! I’m seeing signs of France all around me. I walk down the street and think of France and Carla Bruni comes on the shuffle of my Ipod. Or I browse the bookstores and books of Paris and France stand out on the shelves immediately.

My boyfriend has begun to tell me of French history and show me French monuments online. He tells of French style bakeries and feeds me delicious food from France (like duck neck!!!). Small french conversations are also occurring between us! Ex: “Je fais dejeuner” I’m making lunch.

Things are looking up. The money I’m saving is starting to look promising and the language is really, really improving. And as far as the documents go:

  • I found personal liability insurance: I do not own a home or car and therefore I could not extend this type of coverage to include personal liability (as most people can do). Instead, I simply need to purchase tenant’s insurance (approx. $250/year) and I will be covered!
  • I am covered and have a document for provincial health insurance: I went to Service Ontario, told them my situation and received my document all in about 40 minutes (35 minutes of waiting).
  • Cover letter to the consulate general has been written in French and just needs to be corrected by French bf.

Pictures are still to come. I also realized that I will need to print the application on long sheets of paper…

I’m so close I can already taste the baguette!