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Energy, telecom, insurance and banking in France — independent guides for residents and expats

CheckEverything.fr is an independent information portal. We explain how electricity contracts, mobile plans, insurance and bank accounts work in France — based on the official French sources (CRE, ADEME, ARCEP, ACPR, service-public.fr). Not a comparison site, no sales pitch.

By the CheckEverything.fr editorial team  ·  Last updated: May 28, 2026

60+

guides published

4

topics covered

2026

up to date

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Key takeaways

CheckEverything.fr is an independent information portal about energy, telecoms, insurance and banking in France. We are not a comparison site and we sell nothing: our guides are built from the official French sources (CRE, ADEME, ARCEP, ACPR, DGCCRF, service-public.fr) and updated whenever tariffs or regulations change. The goal is simple — help you understand your rights and your options before you make a decision.

  • Four topics covered: energy, telecoms, insurance, banking.
  • Sources cited: CRE, ADEME, ARCEP, ACPR, DGCCRF, service-public.fr, INSEE, Banque de France.
  • Free access, no sign-up and no intrusive advertising.
  • No active commercial partnerships as of today. No sponsored rankings.

What changes in France in 2026

The main regulatory and pricing shifts to watch this year across our four topics.

Energy

Regulated electricity tariffs are revised again in 2026

The French Energy Regulator (CRE) reviews regulated electricity sale tariffs several times a year. The latest pricing grid and effective dates are published on cre.fr.

Telecoms

Copper (ADSL) network phase-out continues

Orange keeps closing the copper network city by city in 2026, first commercially then technically. The official schedule is monitored by ARCEP.

Source: ARCEPSwitch to fibre
Insurance

Cancel insurance after 12 months, anytime

Under the Hamon law, after one year of contract you can cancel your home, car or affinity insurance at any time, without fees and without justification. The new insurer handles the paperwork.

Source: service-public.frHamon law explained
Banking

Right to a bank account & 2026 savings caps

Any resident in France has the right to open a basic bank account, even after a refusal, through the Banque de France procedure. Caps for regulated savings products (Livret A, LDDS) are published on service-public.fr.

Source: Banque de FranceRight to a bank account

Official French sources

Every figure and rule we cite on the site traces back to one of these French authorities. We rely on them so you can verify the information yourself.

What we do (and what we don't)

CheckEverything.fr is an information portal, not a comparison site. We give you the information — then you decide.

We inform, we don't sell

No sponsored rankings, no hidden partnerships. Our sources: CRE, ADEME, ARCEP, service-public.fr.

We check before we publish

Every guide is reviewed, sourced, and updated when rates or regulations change.

We follow French law

GDPR, consumer protection code, LCEN: your data is safe and our content is compliant.

We write in plain language

No unnecessary jargon. We explain regulated tariffs, the Hamon law or the bonus-malus system the way you'd explain it to a friend.

Frequently asked questions

The questions we get asked most often by English-speaking residents in France.

Is checkeverything.fr a comparison site?
No. CheckEverything.fr is an information portal, not a comparison site. We do not rank providers, we do not display real-time prices, and we earn nothing when you sign up with a supplier. Our role is to explain how electricity contracts, mobile plans, mutuelle and bank accounts work in France so you can decide on your own.
Who writes the guides on checkeverything.fr?
Our editorial team specialises in energy, telecoms, insurance and banking in France. Every guide is reviewed against the French regulators (CRE for energy, ARCEP for telecoms, ACPR for banking and insurance) and the official service-public.fr portal before publication. The last review date is shown at the top of every article.
Can I switch electricity provider in France as a non-French resident?
Yes. Anyone living in France can choose their electricity and gas supplier, regardless of nationality. You only need a French address and an electricity contract in your name. The grid is operated by Enedis independently of your supplier, so switching never causes a power cut and the process is free.
Do I need a mutuelle (complementary health insurance) in France?
In practice, yes. The French public health system (Securite sociale) covers around 70 percent of medical costs. A complementary health insurance, called mutuelle, covers most of the remaining 30 percent. If you are a salaried employee, your employer is required by law to offer one. If you are self-employed, a student or retired, you choose your own.
How do I check if fibre internet is available at my address?
Use the official ARCEP fibre map at cartefibre.arcep.fr, then double-check on operator websites with your full postal address. As of 2026, fibre covers a large majority of French households, but rural and recent-build areas can still be on copper or 4G/5G fixed wireless. ARCEP also publishes regular national coverage updates.
How does checkeverything.fr stay independent?
All guides are accessible for free, with no sign-up wall. The site currently has no active commercial partnership and no sponsored ranking. If we add affiliate partners in the future (for example a comparison platform for energy or telecoms), the relationship will be disclosed clearly on every page concerned, in line with French consumer protection law.
Editorial notice. CheckEverything.fr is an independent information portal. The content on this site is provided for general information purposes only and does not constitute personalised financial, legal, fiscal or insurance advice. Tariffs, regulations and eligibility conditions in France can change at any time — always check the official source (CRE, ARCEP, ACPR, service-public.fr, your supplier or a licensed professional) before making a decision. Last reviewed: May 28, 2026.