I am a French national living in the UK. My experience is that in France, something called "civil responsibility insurance" (assurance responsabilite civile) is not only commonplace but mandatory to go to school, uni, get a job, etc.
I have been renting for years and according to my research, only the landlord has to have an insurance. The occupier may also insure their belongings but that's optional.
So what happens if, say, a candle falls over and I burn my flat? What if a flower pot falls from my windowsill and accidentally kills someone? What if my trolley bumps into an old lady at the supermarket and I break her hip? What if I walk on my friend's glasses and break them?
For all this, the civil liability insurance would come into play in France. I have been googling to find something similar for the UK but mostly what I find is about businesses or professionals insuring themselves, not individual.
- Does it exist for individual? If yes, is it mandatory?
- What will happen in the examples above if I don't such insurance?
- As it seems not to be commonplace, I am wondering... Is it for some reason not useful in the UK?