Other reasons for termination: death of the insured, sale or total loss of the vehicle
Article L121-11 of the Insurance Code provides that auto insurance is suspended from the day following the death of the insured or the sale of the vehicle. The contract can be terminated after a period of 10 days confirmed by both parties, in particular the heirs in the event of death. If no request is made, whether for reinstatement or termination, this occurs after 6 months after the date of the corresponding event.
The exception is the total loss of the automobile where the termination of the insurance contract takes effect automatically following the occurrence of an uncovered loss. Therefore, the insurer must reimburse the paid amount of the contribution for the remainder of the period which was to protect the insured.
Where can I find auto insurance after being canceled?
It is more difficult to find an auto insurance contract after the company terminates it, but it is possible. You can turn to:
the Central Pricing Office, the BCT, which will assign the coverage of your mandatory minimum guarantees to the most interesting insurer from among 3 quotes made with 3 companies;
an insurer specializing in aggravated risks, but the price of auto insurance will be a bit high.
When is a termination considered abusive?
The termination of auto insurance by the insurer can sometimes be considered an abusive termination when the causes are not explicit. The company is in fact not obliged to justify its act when it wants to terminate the contract at the end of its term.
Therefore, it seems wise to anticipate an increase in risk or to request an additional premium before the insurer itself carries out the termination. To do this, simple tools, such as the online comparison of contracts offered by competitors, make it possible to sign a new contract upstream.
Compare auto insurance
Can I contest the cancellation of auto insurance by the insurer?
When the decision to terminate auto insurance for no specific reason seems disproportionate to you, it is possible to challenge the choice of insurer. You have 3 possibilities, namely:
Send a registered letter with acknowledgment of receipt stating the arguments.
Contact the insurance company's customer service for assistance.
إرسال تعليق