Termination for rate change

Termination for rate change

Contrary to what one can hear, the modification of your contribution, for example an increase in the insurance premium, by the insurer is not necessarily a reason for termination. The insurance code does not specify anything on this subject, however we can refer to the consumer code to refuse an unjustified increase and terminate the contract.

Indeed, article L121-110 of the Consumer Code specifies that "any proposed modification of the contractual conditions at the initiative of the professional is communicated in writing by this professional to the consumer at least one month before its entry into force, accompanied by the information, stated in a clear, precise and visible manner, according to which the latter can, as long as he has not expressly accepted the new conditions, terminate the contract, without penalty of termination and without right to compensation, up to a three months after entry into force of the amendment. "

The bonus-malus system is a formula for reducing or increasing your insurance premium depending on the claims for which you have been responsible. It takes place at each annual deadline. An increase in your contribution due to a change in your bonus-malus coefficient is provided for by law and will in no case be a reason for termination.

The annual indexation of your premium (or contribution) to the evolution of a benchmark index, an increase in applicable taxes, will not be grounds for termination either.

On the other hand, an arbitrary, unjustified increase may be a legitimate reason for termination.

If this is the case, once you have been informed of the change in the premium, you have 15 days to send a registered letter, your termination will be effective 30 days after sending this letter, which leaves you time to find a new insurance contract. We provide you with a standard letter of termination of your car insurance for modification of the tariff
Termination letter templates

Find our different models of termination letters for your auto / motorcycle insurance depending on your situation.

These models can be copied and pasted on your text editor (word, open office, page, etc.) and adapted to your situation. You can also use our online termination form:

Letter generator template
Auto insurance termination

Direct access to the termination letter models: AG2R La Mondiale - Allianz - AGF - Allsecur - Amaguiz - AMV Assurance - APRIL Assurances - Assor - ASSU 2000 - Assur People - AVIVA - Covéa Risks - Direct Assurance - Euro-Assurance - Eurofil - Fortuneo - Symphonis - Gan - Generali - GMF - Groupama - Identicar - Equity - La Banque Postale - La Médicale - MAAF - MACIF - MACSF - MAIF - Matmut - MMA - Mutuelle Des Motards - NEXX Assurances - L'Olivier Assurance Auto - RVA Off Road Insurance - Swiss Life - Thelem -

The advice given in this article applies to all auto insurance, refer to the general sales conditions of your insurance contract for specific cases. Here are the general conditions, for information only, of the main insurers. These general conditions do not necessarily correspond to those you have signed, but we can guide you.
Auto / Motorcycle / Scooter / Motorhome insurance termination addresses

    AcommeAssure
    Active Insurance
    AG2R La Mondiale
    Allianz (ex AGF)
    AllSecur
    Aloa Assurances

camping car

    AcommeAssure
    Active Insurance
    AG2R La Mondiale
    Allianz (ex AGF)
    AllSecur
    Aloa Assurances
    Amaguiz
    AMV Insurance
    Aon Insurance
    April
    Areas
    Assu 2000
    Assur People
    Insurance for Smart
    Assureo
    Assurone
    Assuronline.com
    Audi Insurance
    Aviva
    Axa
    Banque Populaire
    BNP Parisbas
    Bred
    Savings bank
    crossroads
    Casino
    CIC
    Citroen Insurance
    Covea
    Credit Agricole - Pacifica
    Credit Mutuel (ACM)
    Credit Mutuel Arkéa
    Direct Insurance
    Eurodatacar
    Eurofil
    Fortuneo - Symphonis
    Gan
    Guarantee M
    Generali
    Groupama
    Hello Bank!
    Identicar
    Lcl
    The postal bank
    Medical
    Equity
    Olive Tree
    MAAF
    MACIF
    MACSF
    MAIF
    Matmut
    Mazda Insurance
    Mercedes Benz Insurance
    Mma
    Mutual of Poitiers Insurance
    Bikers Mutual
    NEXX Insurance
    Novelia
    Opteven
    Peugeot Insurance