The Essential Moving to France Guide

1. The Essential Moving to France Guide The definitive guide to buying a property in France

2. Welcome to the Essential Moving to France Guide So you’ve decided to buy a property in France and you’re taking the plunge and moving abroad - what a wonderful idea! Many Brits are attracted to France, and for obvious reasons; the relaxed lifestyle, the great weather, the beautiful coastline, picturesque countryside and colourful markets run by friendly locals conjures up ideas of the perfect lifestyle. Or maybe you just really like the idea of waking up each morning to great coffee and even better fresh pastries. Well, before you get to the endless supply of pain au chocolat and the occasional glass of vino, there are some key things to consider before you make the leap across the Channel. This guide will help you get to grips with everything involved in purchasing a property in France and emigrating to our nearest neighbours so you can avoid the pitfalls and faux pas. It provides you with the information you need on the processes and costs involved in buying French property, how to save money on currency exchange, deciphering the French tax system, while also giving you details of the healthcare systems and even French customs. Simply read on to make your French buying experience exciting and stress free. 2 The Home of Foreign Currency Direct 0800 328 5884 www.currencies.co.uk

3. Contents Buying a Property Finding a house Fees The process 3 Culture and Language Bisous Being polite Meals The language 8 Laws, Visas, and Permits Work visa Residency permit Permanent residency 12 14 Money, Finance and Taxes Where do you pay your tax? Pensions Moving a lump sum Income tax Social security contributions Banking 20 Healthcare Getting registered How the system works Who is eligible for state healthcare? Schools and Education 23 25 Driving in France Rules of the road Essential items and documents Useful Information Emigration Checklist 18 months 12 months 6 months 2 months 1 month 1 week 28 3 The Home of Foreign Currency Direct 0800 328 5884 www.currencies.co.uk

4. Buying a Property Buying a property abroad can be pretty daunting, especially with a language barrier to overcome. Getting it right is massively important so it’s essential you follow all the processes and don’t get too lax on the details. Luckily, the process for buying a house in France is not too dissimilar to the one in the UK. Here’s how to go about it.

5. Finding a house The easiest option for finding a house nowadays is to go online. There are plenty of property sites which will showcase houses all over the country with pictures and details for you to take a look at. This saves you from taking a fruitless trip across the Channel. Having said that, you will need to visit eventually when you’ve got a few houses in mind. When you do go, remember that what looks good in the summer, might not be so fit for winter. Always consider the time of year you’re visiting and try to look out for any problems that might arise in different weather. Also, while not necessary, it may be worth having someone who speaks French with you. While this can be handy for asking questions when you’re being shown around a property, it will also help with talking to the locals. This means you can get a much better idea of the local area. 5 The Home of Foreign Currency Direct 0800 328 5884 www.currencies.co.uk

6. Fees Luckily there are no restrictions on UK citizens buying a property in France, so you’re already off to a good start. There will be some fees to pay along with your sale, although the amount will depend entirely on the price of the property and its type. up of a number of different components: • Notaire’s fee – This will be around 1-3% of the property price • Property transfer fee – Similar to stamp duty, this will be around 4-5% of the price • Certificates – Around 0.5% of the property price • New property costs – 2% in registration taxes and fees + VAT too Usually the price quoted for a house will include estate agency fees but it is worth confirming this. Notaire’s fees tend to be combined with the property transfer fee and other property purchase costs as detailed below. This all means that for an existing property, you’re probably looking at total costs coming in at about 7-10% of the property price, but there is a lot of variation. While the costs are usually referred to as notaire fees – or frais de notaire – they’re actually made 6 The Home of Foreign Currency Direct 0800 328 5884 www.currencies.co.uk

7. The process in equal measure, as well as acting on behalf of the French Government. Notaire fees are paid by the purchaser, and are in addition to the agreed purchase price for the property. Once you’ve found the property you want, it’s time to dive in to the nitty gritty. Before you really get into things, it’s worth considering hiring a bilingual solicitor who specialises in the process to take you through everything. This eliminates the language barrier as a major problem, although it will incur some extra fees of course. It’s very common for both the vendor and the purchaser to share a notaire, although it may be worth hiring your own if you need a representative who speaks English if the chosen notaire doesn’t. It’s worth remembering that in France, if you submit an offer at the asking price the seller is legally required to accept it. If you’re averse to haggling, this can be a quick way to get a sale sorted, but it’s likely you’ll have competition from others bidding above the asking price. It’s worth remembering that in France, if you submit an offer at the asking price the seller is legally required to accept it. Once an offer has been accepted – congratulations, by the way – the next step is getting some contracts drawn up and signed. This is the job of the notaire. The notaire pulls the sale together and checks all documentation. They also pay any taxes involved with the sale, and work for both the vendor and the purchaser A Compromis de Vente will be drawn up, which is similar to the UK’s exchange of contracts. Essentially, this is the legally binding part of the sale – although the French do consider a verbal agreement of sale as morally binding – and will include all the essential aspects of the process for the buyer and seller. 7 The Home of Foreign Currency Direct 0800 328 5884 www.currencies.co.uk

8. would be passed to the seller. You will also be liable for any estate agent fees and you would have to pay some fees to the notaire. This is where your bilingual solicitor will come in handy and make sure the contract is clear to both you and the seller. The Compromise de Vente will include important details from the basics, such as the price and name and ownership details, to the specifics, such as provisional conditions, inventories, and penalty clauses. From there, final checks are made about records and documents. This often takes around two months, but may be completed before or after that. In the majority of cases, you will not be waiting more than four months until completion. The Compromise de Vente will include important details from the basics, to the specifics. During this time the buyer will need to get their funds prepared for transfer and deal with all the other logistics that come with buying a home. By the completion date, all monies must have been paid to the notaire’s account, although a check or cash will not be accepted under French money laundering rules. The payment will have to be an electronic transfer, or a transfer through a currency broker, as notaires won’t accept a bank draft. The notaire will also ask for proof of where the funds have come from, this can be obtained from your currency broker or bank. You will need to be at the notaire’s office to sign on the dotted line on completion after which you can break out the bubbly! When everyone is 100% happy, the contract is signed (you need to be in France to do this) and the buyer’s 10 day cooling off period begins. During this time the buyer may withdraw from the sale without any costs. When this period is up, the deposit is paid, which is usually 10% of the price of the property. A currency broker such as currencies.co.uk will be able to assist you at this point to get the deposit quickly and cost effectively to France. This is normally paid to the notaire who will keep it in a secure account. From this point on if you choose to pull out of the purchase your 10% deposit would be lost – this 8 The Home of Foreign Currency Direct 0800 328 5884 www.currencies.co.uk

9. Culture &Language Despite being a stone’s throw away from the UK – globally speaking – France is an entirely different beast when it comes to culture. There’s a lot of different nuances when it comes to social situations and it’s worth getting to grips with them. The French are much more direct than their “rosbif” counterparts and so are less likely to put up with poor behaviour. To help you get to know some of the basics, here’s a list of a few things to keep in mind.

10. Bisous gesture of recognition. Avoid at all costs diving straight into your order or request. The famous French double kiss greeting – maybe three or four depending on what region you are in – is something you’ll deal with very quickly upon arriving in France. You won’t be getting one off the waiter in a restaurant, but as you make friends and acquaintances it’ll become ever more common. Don’t forget to say please and thank you – s’il vous plaît and merci – although this is something you’ll probably be doing in the UK anyway. The main point here is that while staff in the UK will likely continue to be polite in the face of rude customers, the French aren’t so willing to put up with it. Treat them badly and you’ll likely get a frosty service from then on. The Brits are a bit wary of this kind of familiarity between people who aren’t exactly close, but you’ll soon get used to it. When you arrive, let the locals lead and you’ll get the hang of it before long. As mentioned, the way things are done differ from place to place, so observe, learn, and repeat. Being polite While we don’t think all Brits are automatically rude, the French expect a bit more when it comes to interacting with everyone from strangers to friends. Essentially, manners are a big deal in France, so it’s important not to commit any faux pas. Wherever you go, always offer a greeting to the staff there with a ‘Bonjour Monsieur/Madame’. Some form of greeting is essential, no matter how busy a shop or how rushed the worker is. If for some reason this isn’t possible, make some While staff in the UK will likely continue to be polite in the face of rude customers, the French aren’t so willing to put up with it. 10 The Home of Foreign Currency Direct 0800 328 5884 www.currencies.co.uk

11. It can be tempting to bring gifts to a host and in the UK flowers are a common one. In France, not so much. They can be seen as an extra chore you’ve brought into someone’s home. If you really feel a bouquet is appropriate, make it low maintenance. Don’t bring food to a dinner party either, unless it’s been requested. Want to play it safe? A nice bottle of wine will do the job. There’s also some day-to-day issues to consider. For example, queuing is not the same. While it’s not exactly a free-for-all, don’t expect orderly queues like we see in the UK. There’s also the matter of talking loudly in public, especially on a phone, which is that you don’t do it. Small talk isn’t such a common occurrence in France. The French are much more direct in communication, so don’t perceive this as rudeness, they’re just happier to get straight to the point. Speaking of wine, don’t pour your own at a meal. The staff or your host will do this automatically for you. Don’t want anymore? Don’t finish your glass as otherwise you’ll find it full again (well, half full as that’s how far they fill it) before long. Meals There is different etiquette to consider whether you’re eating in a restaurant or in a person’s home. One major one is regarding time. If you’re eating out and a table is booked for 7pm, it’s completely fine to show up at that time. When it’s at someone’s home, it very much depends on what you’ve been told. If you have been asked to be there at 7, you should arrive promptly at 7. If your host said “about 7” aim to arrive at 10 past – but don’t arrive early! If you’ve been told “from 7” – you should arrive about 20-30 minutes after 7. One thing to bear in mind… there are very few vegetarians in France. Restaurants cater for vegetarians, but when attending a meal at someone’s house you should warn your host first as people in France will always presume that you eat meat. Try to inform your host of any allergies you may have in advance to avoid having to pass up food at the table. Also try not to ask for menu alterations, do your best to order something you’ll be happy with if it comes as is. Keep both your hands on the table too, and don’t be shy about complimenting the food, especially at someone’s home. 11 The Home of Foreign Currency Direct 0800 328 5884 www.currencies.co.uk

12. The language Beyond that, consider joining an adult language course, trying out some of the online options like Babbel or Rosetta Stone, or hire a one to one tutor to get your ear round the lingo. Learning a new language is by no means easy, but even a basic level will be a great help. Once you live there you’ll soon pick up even more through immersion, so don’t worry if you can’t keep up a conversation after you arrive. If you’ve ever been to some of the touristy places in France, you will have found that many locals speak anglais. It’s true that those across the Channel certainly know more foreign tongues than we do, but that’s not a good enough reason to avoid learning the native language. This means you should start your French lessons as soon as possible. You don’t need to be fluent and you’ll probably be able to get pretty far with English in some places, but even attempting French will grant you a much warmer reception than not. Attempt to say a word or two, a simple “Bonjour” (Good day), “Bonne soirée” (Good evening), followed by “Parlez-vous anglais” (do you speak English) will go a long way to ingratiating you a little with the locals. This is something you should work on before you leave. A good start is to watch TV shows and films either dubbed in French with English subtitles or English films with French subtitles. It’s a good way to get accustomed to the language, how it works, and learn a few bits and pieces to break the ice over there. Attempting French will grant you a much warmer reception than not. Learning a new language is by no means easy, but even a basic level will be a great help. Whatever method you choose, you should always aim to become fluent eventually. This is much easier to do if you’re in France instead of the UK, so see it as an opportunity! 12 The Home of Foreign Currency Direct 0800 328 5884 www.currencies.co.uk

13. Laws, Visas & Permits When you move to a new country, there’s often a lot of laws you’ll need to consider to make sure you’ll actually be allowed to stay. The strictness of these laws vary wildly from country to country, but luckily, with the UK and France being part of the EU, things aren’t too difficult. 13 The Home of Foreign Currency Direct 0800 328 5884 www.currencies.co.uk

14. Work visa As a side note, it is important to keep your ID on you at all times in France as it may be requested from you by the authorities. It is advisable to get an ID card from a mairie so that you’re not carrying your passport with you everywhere. If you’re planning on getting a job in France, you’ll be glad to hear you won’t need to get a visa. Countries that are part of the European Union and European Economic Area are all signed up to treaties that make free movement pretty easy. That means you can show up on French shores and start working from day one. For once, something nice and simple. Permanent residency You may want to get the status of a permanent resident in France. This is possible after five years of living in the country. After you’ve been in France for the required time, you have the right to apply for the EU séjour permanent, toutes activités professionnelles – EU permanent stay, all occupations – permit. There are some financial benefits to this which are covered in the following section. Residency permit Just like with the work visa, you won’t need a residency permit to live in France if you’re from the UK. Although this isn’t the case across the board at the moment, you may need to register after being in the country for three months. You can do this at the local town hall or mairie. All you need is your passport or ID card and a proof of address. You’ll then be given a receipt in the form of an attestation d’enregistrement. Bear in mind that you will lose this if you vacate the country for two years or more. Having said this, if you want to take advantage of the French healthcare system, you will need an official residency permit. You can apply for this as soon as you arrive although you will need to be in work, running a business, or have lived in the country for five years. If you want to take advantage of the French healthcare system, you will need an official residency permit. 14 The Home of Foreign Currency Direct 0800 328 5884 www.currencies.co.uk

15. Money, Finance & Taxes It will come as no surprise that dealing with money and taxes in France is different to here in the UK. There are similarities, but generally, there’s a fair bit to learn. Especially so if you’re planning on starting your own business while there.

16. Where do you pay your tax? When moving to another country, depending on your financial situation and assets, there can be some overlap in tax law. This means disputes can arise over which of the countries you should be paying tax to, with both claiming you owe them some cash. To avoid this situation, many countries sign up to double taxation treaties to set out guidelines and help resolve any issues. Luckily, France and the UK have such a treaty. The treaty will apply to you once you are living in France. This is essentially the case when you set foot in France and intend to stay, although the most basic rule for when this applies is if you spend at least half the year in the country. When it comes down to the tax, there are different rules for different incomes. The following are general explanations due to the wide variety of cases, so be sure to research your own position thoroughly. 16 The Home of Foreign Currency Direct 0800 328 5884 www.currencies.co.uk

17. • Pensions Generally you will pay tax on pensions to the French government, although this may not be the case for former government employees. • Dividends In most cases, you will pay French tax on any dividends you receive from a UK company. • Interest and royalties Tax on interest and royalties from the UK will generally be paid to the French government. • Employee income You’ll pay French tax on any wages you earn while living and working in France. • Business profits Tax will usually be paid to the government of the country where the business operates. • Director’s fees If you receive any income from being on a board of directors, or similar, tax will be paid to the country where the company resides. • Immovable and movable property Income from property will be taxed by the country where it resides. • International transport If you make any money from the operation of vehicles involved in international traffic, tax will be paid to the French government. 17 The Home of Foreign Currency Direct 0800 328 5884 www.currencies.co.uk

18. Income tax Just like in the UK, the amount of income tax you pay will depend on how much you earn, with separate bands setting out the percentage you give to the government. Here are the basic divisions: Income Tax Rate Up to €6,011 0% Between €6,012 - €11,991 5.5% Between €11,992 - €26,631 14% Between €26,632 - €71,397 30% Between €71,398 - €151,200 41% Above €151,200 45% If you happen to earn over €250,000 then you’ll pay an extra 3% on it up to €500,000 and 4% on everything over that. The French tax system is fairly complicated, so it’s advisable to do research around your individual situation to get a clear idea on the kind of tax you may liable for. There’s also another form of contribution you’ll need to consider. The amount of income tax you pay will depend on how much you earn, with separate bands setting out the percentage you give to the government. 18 The Home of Foreign Currency Direct 0800 328 5884 www.currencies.co.uk

19. Social security contributions The French pay some of the highest amounts towards social security in the world, and once you live there, you’ll be joining them. Although, if you are of official retirement age, you’ll be exempt except for capital gains and rental or investment income. The social security aspect of French tax is just as, if not more, complicated than the country’s income tax. Known as contributions sociales or prélèvements sociaux, employees and employers are liable for different ones at different percentages, while if you’re self-employed it’s a whole other ball game. Here’s a general table for what you’ll pay either as an employee or, if you plan to run a business in France, as an employer. Charge Employee (%) Employer (%) Family benefits 0 5.25 Health/sickness 0.75 13.10 Main pension 6.85 8.50 Supplementary pension 3.10 – 8.10 4.65 – 12.15 Contribution sociale généralisée (CSG) 7.5 0 Accident at work 0 Depends on risk Contribution pour le remboursement de la dette sociale (CRDS) 0.5 0 Unemployment 2.4 4 As you can see, this can make up a pretty hefty deduction, although it’s worth noting that this will be deducted before your income tax is deducted, so it’s not as bad as it looks. In the end though, France ranks pretty highly compared to other countries for these kinds of contributions. This all gets even more confusing if you’re self-employed. This will be influenced by whether you operate a micro-entreprise or on the basis of the régime reel – both of which have their own individual caveats – and if you operate in a development area. If you are looking to start a business or work freelance in France, it is worth looking into hiring an accountant and getting specialist advice. 19 The Home of Foreign Currency Direct 0800 328 5884 www.currencies.co.uk

20. Banking international one instead. Many UK banks offer this service, but again their rates and costs will differ, so it will all depend on your situation as to which will best suit your needs. For the most part though, international accounts will incur fees, need high minimum balances, and be at the mercy at changing exchange rates. The banking system in France is not too dissimilar to the one in the UK with a number of main banks – around eight – operating with plenty of high street branches. As with at home, their rates, services and products will differ so it’s simply a matter of looking for the right bank that will suit your needs. There are internet only accounts available. They’re worth looking into as their interest rates will likely be better, but they are more geared towards saving rather than spending. As such, tedious withdrawal restrictions will likely apply. For example, their post office’s bank – La Banque Postale – has the most customers and offers the largest network by far. It also opens on a Saturday morning, while the majority of other banks do not. What’s not so great is that you can’t withdraw as much money without prior notice, while their international transfers are much slower. Importantly, French banks are just as safe as those in the UK, so there’s no reason to feel worried about getting a domestic account in France. Be sure to look into banks that offer bilingual services too as this will obviously come in handy, especially if any problems arise. This only applies if you want a domestic bank account. You might consider going for an 20 The Home of Foreign Currency Direct 0800 328 5884 www.currencies.co.uk

21. Pensions Moving a lump sum To put your mind at ease, you are still entitled to your pensions – be they state, private, or governmental – if you leave the UK and become a full time resident in France. An issue does arise with how those different pensions are taxed. You’ll have to declare all pension payments on your French tax return. State and private pensions are taxable in France, while a government one will only be taxed in the UK. This probably won’t come as a surprise, but taking all your cash down to a high street bank is not the best option for changing your money. They usually have terrible rates and there is often a hefty fee on top when you’re changing huge amounts of money, that’s going to make a big difference. This is why people dealing in significant sums often go to a specialist currency exchange broker. The reasons are pretty simple. You get guidance tailored to your specific situation, while their rates are often the best available and can save clients thousands of Pounds or Euros on a transfer. In other words, brokers are your best route to retaining as much spending power as possible. They have become an indispensable part of the overseas property market since the late 1990s. It’s important to figure out the best way to transfer the money to your new home and avoid as much of the fees as possible. This means having to navigate the currency markets as you exchange and transfer your UK Pension in Sterling to France in Euros. Unfortunately, things will always be a little volatile in the currency markets as it’s impossible to predict which way the exchange rates might go, so if you’re paying into a French account, this is worth thinking about. When it comes to your private pension, it’s worth doing things a bit differently. You should use a currency broker and have your payments transferred each month as a direct debit. That means you’ll get to step past any bank fees which soon pile up over the years. You could also let these payments build up in your UK account and discuss with your broker when the best time to transfer the lump sum would be. It’s also worth researching this as early as possible. Brokers offer various plans and being prepared is a good way to ensure you make use of the right one. 21 The Home of Foreign Currency Direct 0800 328 5884 www.currencies.co.uk

22. Healthcare While there is state healthcare in France, the system is quite different to what we have in the UK. For a start, if you’re a resident of France then you must have health coverage, whether it’s state or private. That means if you’re not eligible for state coverage, you’ll need to look into private insurance.

23. Who is eligible for state healthcare? Getting registered Before you can make use of the CMU, you’ll need to get signed up. For this you will need to find your local Caisse Primaire Assurance Maladie (CPAM) office. Here you can get registered so that you’ll have some of your medical costs covered. On top of that, the office will deal with your reimbursements, so if you have any problems, that’s where you’ll need to head. You’ll need to be paying the social security contributions as previously mentioned and be considered ‘living’ in France, which is defined as being there for over half the year. All in all, if you live and work or run a business in France, you’ll most likely be able to get state health coverage. If you are eligible, here’s how it works. In most cases, 70% of the costs of a visit to a GP, treatment, and most other procedures will be reimbursed by the state. The remainder will be down to you, although many choose to get supplementary health insurance to cover this to bring down the expense. There are some long term or ongoing illnesses that may mean 100% of the cost will be reimbursed by the state. If you live and work or run a business in France, you’ll most likely be able to get state health coverage. Signing up is fairly straight forward. You’ll just need to bring along the usual types of documents, including your ID, proof of residency, birth or marriage certificates, and proof of your income too. Once this is completed you’ll be given a Carte Vitale which is an insurance card. This is what you’ll need for any medical visits to ensure your imbursement is given directly. This is done through the Couverture Maladie Universelle or CMU, which is the name for the state health insurance provider in France. There are some concessions for those on low incomes, which includes 100% coverage. So if you’re worried about what will happen if things take a turn for the worse while in France, don’t worry, there can be extra support beyond the usual 70%. Obviously if you’re just visiting to view a property or scope the area, you won’t be able to register for state healthcare. So make sure you get a European Health Insurance Card before you arrive as this will give you access to the state healthcare system. Make sure you get a European Health Insurance Card before you arrive as this will give you access to the state healthcare system. 23 The Home of Foreign Currency Direct 0800 328 5884 www.currencies.co.uk

24. How the system works Just like in Britain, if you’ve got a medical complaint that isn’t an emergency, you’ll be heading to your GP, or médecins généraliste. That means one of you first priorities is registering with one and making them your médecin traitant (attending doctor). If you are in need of a specialist doctor, you must have one referred by your médecin traitant. In order to get your 70% reimbursement, all your treatment must come through your GP. That means that if you are in need of a specialist doctor, you must have one referred by your médecin traitant. You’re welcome to seek out your own, but it does mean it’ll cost you. There are some exceptions to this though: • Psychiatrist (if you’re over 26) • Gynaecologist • Paediatrician Your GP will also refer you to a specific hospital as well, if needs be. Unless it’s an emergency in which case head straight to the nearest one or call an ambulance. Here is a list of useful emergencies numbers: Medical SOS SOS – hearing assisted Police Fire Child protection Missing child 15 112* 114* 17 18 119 116 000 * These are pan-European numbers and can be used across the continent. If you don’t speak French, this will be your best option as you should be able to use the service speaking in English. 24 The Home of Foreign Currency Direct 0800 328 5884 www.currencies.co.uk

25. Schools & Education The education system in France is not too dissimilar to the one in the UK. There are public, private, and international schools to choose from. France also has a state curriculum in place too.

26. Schools Between the ages of six and 16, school attendance is compulsory, although just like in Britain, there are nursery schools available should you require one. The difference between the public and private schools is just the same as in Britain. Obviously a private school comes with tuition fees, however tuition fees in private school in France are much cheaper than in UK and often have better facilities for their students. The choice between them will come down to your own viewpoints and budget. Most children in France start school around the age of three. The primary school structure is broken in to two: maternelle which is 3-6 (this is not compulsory but everyone goes and it’s free) and then primaire which is ages 6-11. There are private schools which offer education in English, but expect high fees for this. This can be a good way to help your child overcome the language barrier fairly quickly. These are often state funded, although a place is not guaranteed. There are also the international schools, which will be an attractive option if your children do not speak French. There is usually a choice to have your child learn the curriculum of your home country or take on the International Baccalaureate which is taught in English. There are private schools which offer education in English, but expect high fees for this. When it comes to registering you child for state education, it’s time for another trip to the local mairie. You may also need to contact your educational district’s head, or rectorat. Here’s the documents you will need: • You and your child’s proof of identity • Proof of immunisations • Proof of address • Proof of insurance or assurance scolaire The quality of the schools will differ from area to area, so it’s impossible to offer advice on the best choice. You will have to do your own research based on where you choose to live and the kind of education you would like your child to have. Be sure to talk to others in the area as their insight will be invaluable. Between the ages of six and 16, school attendance is compulsory. The schools in France have a similar set of levels to the ones in the UK: • Primary education or enseignement primaire • Secondary education or enseignement secondaire • Higher education or enseignement supérieur • Bachelor or Licence Professionnelle • Masters • Doctorate or Doctorat 26 The Home of Foreign Currency Direct 0800 328 5884 www.currencies.co.uk

27. Driving in France You won’t be faced with many huge surprises on French roads, but there are significant differences that you’ll need to be aware of before you take the car out for a spin.

28. Rules of the road This is a quick list of some of the more important laws and regulations you’ll need to heed in France. Be sure to do a detailed check up on exactly what you should and shouldn’t do before driving. • Drive on the right • Overtake on the left – Although on roads with more than two lanes you can overtake cars on the right which are driving in slower lanes. • Everyone must be wearing a seatbelt – It is the responsibility of the driver to ensure their passengers adhere to this rule. • Warning of approach - You can use your horn to alert drivers of your approach, while your lights must be used instead between sunset and sunrise. • Legal alcohol limit for blood is 0.05% - This is lower than the UK’s limit. Either way, your one and only option is to not drink and drive in any circumstance. • Radar detectors are illegal – The same goes for sat nav or GPS systems that include speed camera locations. Obviously the speed limits are going to be pretty important too. Type of road Speed limit Rain Motorway 130kph / 80mph 110kph / 68mph Dual carriageway 110kph / 68mph 90kph / 55mph Main roads 90kph / 55mph 80kph / 49mph Built up areas 50kph / 31mph 50kph / 31mph 28 The Home of Foreign Currency Direct 0800 328 5884 www.currencies.co.uk

29. Essential items & documents Useful information In the UK you’re expected to have your licence and papers in your car at all times. It’s the same in France although there’s a few other things you’ll need to pick up to keep on the right side of the law. Many of the motorways, known as autoroutes, in France are tolled. They will be labelled as ‘Péage’ so that you know you’ll have to pay. You can usually pay by cash or card, although there is the Liber-t system which means you won’t have to stop when going through the tolls. This is paid through a single monthly bill. The documents you’ll need are: Here’s some details on the symbols used to help you navigate the autoroutes. • Driving licence – A valid UK licence is accepted in France. • Proof of insurance • Proof of vehicle ownership • ID • Contrôle technique – the equivalent of a British MOT • Red cross – Closed • Green arrow – Open to all payments • Blue CB symbol – Credit and debit payments only And these are the items you need in your vehicle at all times The names for the petrol types are different too. • Diesel – diesel, gasoil or gazole • Unleaded – Sans plomb • Reflective jacket – This must be within reach at all times. • Headlamp beam deflectors • Warning triangle for all vehicles with 4+ wheels • Breathalysers • Safety helmets for motorcyclists 29 The Home of Foreign Currency Direct 0800 328 5884 www.currencies.co.uk

30. Emigration Checklist To help you get everything in order, we’ve put together a checklist of some of the more important jobs and tasks you’ll need to consider when moving abroad. Everyone’s situation is different, so don’t take this as the be all and end all! Make sure you’re spending time considering all aspects of the move yourself so nothing gets forgotten or undone.

31. 18 months ͆ Take a financial overview Spend some time going over any financial accounts you have. See what you can close, simplify and consolidate. Also, if you have any debt, now is the time to look at getting it paid off. ͆ Research time! By downloading this, you’ve already started, but make sure you’re carrying out research on your own to ensure all bases are covered. ͆ Start the property process This includes both starting the selling up process for your own home and finding your new one. 6 months ͆ Visas Take a look at any visas you may need and ensure you’ll be eligible for them. Failing to do this now could mean an abrupt end to your plans after months of planning for nothing. ͆ Take a trip to the doctors Not only is it worth getting a check-up for peace of mind, it’s also a good time to find out about any vaccinations you and your family may need. ͆ Medical conditions If you have any long term medical issues, it will be worth talking to your GP and looking into how this may affect your new life abroad. ͆ Book flights If you’re flying to your new home then it’s a good idea to book your flights. Google Flights is a good option for finding the best deals available. 12 months ͆ Get the moving in motion If you’re planning to bring a lot of your possessions with you start looking into how you’ll get it all out of the country. You might want to start selling off or packing some less than essential items too. ͆ Passports Ensure you’ve got at least two years on them. You won’t want them expiring before you leave or shortly after arriving in case something goes wrong. ͆ Finding work If you’re planning on getting a job in your new country of residence start looking now. You’ll also want to start thinking about when to tell your current employer about your upcoming departure. ͆ Papers, please This is a good time to start putting your paper work in order and organising it. Make sure you’ve dug out anything that might be useful such as birth and marriage certificates, tax forms, and driving licence papers. Generally anything that looks important or official is worth putting somewhere within easy reach. ͆ Set up a currency trading account Speak to us at currencies.co.uk for advice on this part. ͆ Tell your friends and family This can be a good time to inform those who are closest to you. You’ll likely need their support and help trying to get everything sorted before you go. 31 The Home of Foreign Currency Direct 0800 328 5884 www.currencies.co.uk

32. 2 months ͆ Get selling Whether it’s a car boot sale, eBay or Gumtree, sell any possessions you’re not bringing with you. ͆ Temporary accommodation If you’ve not got your new home sorted just yet, you’ll need to get a temporary living situation sorted out along with somewhere to store your stuff. ͆ Safety check Contact your movers to ensure everything is in order and will be going ahead as planned. ͆ Throw a party for yourself to say au revoir Have three, have five, have ten. You’ll deserve it with all the stress! 1 week ͆ Talk to your currency broker The currency markets are volatile so it’s worth checking in to see what the situation is as the departure date looms. ͆ Spending money While the bulk of your money should be in the hands of a currency firm, like us, you’ll need some cash to get by for a while. 1 month ͆ Last minute checks Go over everything you can think of and make sure it’s organised. Also spend some time going over things like getting to the airport, picking up any essential paperwork, and other little tasks leftover. ͆ Temporary accommodation Anything that can be closed down, get closed down. From your Sky package to council tax, make sure you tie up as many loose ends as possible. ͆ Check over paperwork Take another look at all your papers, fill in any gaps, and keep them organised. Now it’s time to crack open the bubbly and enjoy your move! ͆ Financial statements Get together the three most recent months of your finances, including things like your wage slips and bank and mortgage statements. ͆ Update your address details Make sure you won’t have a pile of letters building up at your old address and update the people that need to know with your new address. This includes HMRC, the passport office, your pension company, and any other organisations that need to know your whereabouts. 32 The Home of Foreign Currency Direct 0800 328 5884 www.currencies.co.uk

33. Thank you Freephone: International: Email: 0800 328 5884 +44 (0)1494 725353 info@currencies.co.uk Foreign Currency Direct PLC Currencies Mews Badminton Court Old Amersham Buckinghamshire HP7 0DD