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Please make sure you view the key information alongside your search results. This section details information that must be considered before accepting a risk in the chosen territory.

Disclaimer: Crystal is provided for information purposes; it does not constitute solicitation of business and is not intended to be a substitute for appropriate professional advice.

France** Please see Lloyd's Authorisation for details of Lloyd's licensing status

Pre-placement considerations

Lloyd's authorisation


Lloyd’s underwriters are authorised to write: 

  • All classes of insurance in this territory on a freedom of services basis, and
  • All classes, except term life, on an establishment basis


Lloyd's underwriters can accept insurance for the classes listed below, either on a freedom of services or establishment basis:

Last updated: 14 Feb 2018

Definition of risk location

A risk is located in a European Union or European Economic Area member state if it is:


  • A building (and its contents issued under the same policy) situated in that member state.
  • A motor vehicle, ship, yacht or aircraft registered in that member state.
  • A travel policy for four months or less taken out in that member state.

For any other type of insurance (including a life insurance) it is a risk of this member state if the insured is habitually resident in the member state or a business or an organisation if the establishment to which the contract relates is situated in that member state.


A reinsurance of an insurer located in that member state..

Note: The definition of a French risk for premium tax purposes is wider. Taxes and similar charges are imposed on insurance of French risks as defined above, and on any insurance of moveable property normally contained in a building in France (other than goods in commercial transit). This is the case even if a separate policy covers such contents for the account of a non-resident.

Last updated: 14 Feb 2018

Definition of France

The definition of France refers to metropolitan France (including Corsica) and the French territories as listed below. There is a separate entry on Crystal for the territories marked with an asterisk. Monaco is not part of France. Please refer to the separate entry on Crystal for Monaco. 

Overseas Departments and Regions (Départements et Régions d’Outre Mer, DROMs)

  • Guadeloupe*
  • Reunion*

The insurance legislation of metropolitan France applies to DROMs. DROMs are part of the European Union.

Unique Communities (Collectivités Unique, CUs) exercising the competences devolved to the Overseas Departments and Regions

  • French Guiana* (became a CU in 2014)
  • Martinique* (became a CU in 2014)
  • Mayotte* (became a CU in 2011)

The insurance legislation of metropolitan France applies to the Unique Communities exercising the competences devolved to the DROMs. Unique Communities are part of the European Union. Mayotte became a CU on 31 March 2011 and not all legislation of metropolitan France is applicable in that territory yet.

Overseas Communities (Collectivités d’Outre Mer, COMs)

  • French Polynesia* (sometimes referred to as a Pays d’Outre Mer, POM, but has the same legal status as a COM)
  • Wallis & Futuna*
  • Saint Martin* 
  • Saint Barthelemy*
  • St Pierre et Miquelon

The insurance legislation of metropolitan France does not automatically apply to COMs and they are not part of the European Union. Under EU law, Overseas Communities are classified as Overseas Countries and Territories (OCTs) (Pays et Territoires d’Outre Mer (PTOM)) as defined in Article 198 of the EU Treaty on the Functioning of the European Union and are subject to a special association arrangement defined in Part IV of the TFEU. The general provisions of EU treaties and secondary law (including the Insurance Directives) do not apply to an OCT unless they are explicitly applied.

EU provisions regarding the relationship between OCTs and the EU are included in Decision 2013/755/EU of the Council of the European Union dated 25 November 2013. This Decision came into force on 1 January 2014 and replaced the Decision 2001/822/EC of the Council of the European Union.

Territorial collectivity with special status

  • New Caledonia*
  • Southern and Antarctic Islands

Territorial collectivities with special status are not DROMS, CUs or COMs and they are not part of the European Union.

The former category of Overseas Territory (Territoire d’Outre Mer, TOM) no longer exists.

For general guidance on identifying the location of a risk please refer to the risk locator.

Last updated: 14 Feb 2018

Financial considerations

Lloyd's operating charges

This information is secured Secure item
Last updated: 14 Feb 2018

Insurance documentation

Insurance documents

Contract certainty applies to general insurance contracts either entered into by a UK regulated insurer (such as Lloyd’s underwriters) or arranged through a UK regulated broker (such as Lloyd’s brokers based in the UK).

Lloyd's has developed Quality Assurance (QA) checks to help the market comply with this requirement.

Further information on contract certainty can be found on the Market Reform website.

Last updated: 14 Feb 2018

Binding authorities

Binding authority wording
Last updated: 14 Feb 2018


Global contracts

A Global Contract is a multi-jurisdictional policy. A multi-jurisdictional policy must account for local fiscal and regulatory obligations on the insured and the insurer, including licensing and operating restrictions.

Last updated: 14 Feb 2018