How to cancel car insurance without a transfer certificate?

How to cancel car insurance without a transfer certificate?

The certificate is a mandatory document when buying or selling a vehicle, allowing the French administration to be informed when there is a change of owner. However, there are exceptions that are not covered by the certificate of assignment. How to terminate your auto insurance without a transfer certificate? What documents are required to insure a vehicle? All the answers to your questions here.

Summary

    Is the transfer certificate mandatory to cancel auto insurance?
    The exceptions escaping the transfer certificate
    The impact of selling your vehicle on your auto insurance
    How to take out auto insurance after the sale of your car?
    What are the documents to insure a car?
    Auto insurance termination letter
    Reasons for canceling auto insurance

Is the transfer certificate mandatory to cancel auto insurance?

The transfer certificate is an official document used when selling or buying a car. It is very easy to obtain a certificate of assignment. You can do this by downloading one online. This must then be given in triplicate to the seller, the buyer and the prefecture, which can thus be informed of the change of owner.

If you wish to terminate your auto insurance, be aware that the certificate of transfer of your vehicle must be sent to your insurer, along with a letter of termination. The goal is to prove that you have sold your vehicle well. The buyer, on the other hand, also needs the transfer certificate to prove that he has bought the car and thus allow him to take out new auto insurance.
The exceptions escaping the transfer certificate

As stated previously, it is necessary to have a transfer certificate to cancel your automobile insurance. However, there are exceptions to the rule:

    Vintage cars: the mission of the French Federation of Vintage Vehicles is to provide certificates to sellers and buyers of vintage cars. Its role is also to manage technical controls and collect registration documents from the prefecture. The procedures are therefore simplified and allow sellers and buyers of this type of vehicle to no longer carry a transfer certificate. If you have a vintage car and want to cancel auto insurance to find a better deal, then all you have to do is contact your new insurer.
    Cars sold at auction: the Regional Directorate for the Environment, Planning and Housing (DREAL) takes care of delivering all of the documents required for the auto insurance of a person who sold his car at auction . It is therefore possible to terminate your car insurance without a transfer certificate as part of an auction.

If you have taken out fleet insurance for a vintage vehicle, you can terminate the contract without the transfer certificates even if the guarantee covers several vehicles.
The impact of selling your vehicle on your auto insurance

You must inform your auto insurer of the sale of your car. Don't waste time because your current contract may be changed. Also, be aware that the steps to follow depend on several different situations:

    If you decide not to buy a new car or want to change your contract, you must terminate your current auto insurance contract;
    If you decide to buy a new vehicle and you don't want to change your contract, you must transfer your auto policy;
    If you plan to buy a new car but you don't have it yet, you can suspend your current contract and then reactivate it when you have your new vehicle;
    You have the option of transferring your auto insurance contract to the new owner of the vehicle.