Termination on the due date & Chatel law
An auto insurance contract commits you generally for a period of 1 year, during which time you cannot terminate your contract except under special conditions (car sale, marriage, etc.). The contract is tacitly renewed, that is to say that if you do nothing, it will be renewed automatically from year to year.
You can, without any particular reason, terminate your contract before each anniversary date, while respecting certain rules. You must first understand that your auto or motorcycle insurance has a notice period, generally 1 or 2 months. For your cancellation request to be valid, your insurer must be informed before this notice period. For example, if the expiry date of your contract is July 1, then the insurer must receive your request before April 30, the termination date.
Complying with this deadline without being notified was quite restrictive, the Chatel law now requires your insurer to notify you by mail of the termination date. 3 scenarios arise:
1 / You have received the letter from the insurer (notice of expiry) more than 15 days before the termination date.
To terminate your contract, all you have to do is send your registered mail before the termination deadline.
In our example, for example, you receive the reminder from the insurer on April 10, and you must send your mail, postmarked as proof, before April 30.
2 / You have received the notice of expiry less than 15 days before the termination date, or during the notice period.
You then have 20 days to terminate your car contract, the postmark being taken as proof.
3 / You received your due date notice after the due date or you received nothing at all.
In this case you have the possibility to terminate at any time by registered mail with acknowledgment of receipt, for example by using our standard letter of termination of auto insurance refusal of renewal of the contract.
In practice, termination for non-receipt of the deadline notice is quite rare and it is impossible to prove that you have not received the notification, for example the deadline notice. It is nevertheless up to the insurer to prove that it informed you. On the other hand, it is easier to prove that you received too late by keeping the envelope with the postmark.
Termination after the 1st year
Under the Hamon law you can change your contract at any time after 12 months. As motorbike insurance is generally compulsory, you must first choose a new insurer, inform your old insurer by regular mail of your termination, the new insurer will terminate for you to ensure the continuity of your guarantees.
In the case of non-compulsory additional auto insurance (additional auto Eurodatacar or Securycar type ...) the Hamon law allows you to terminate the contract yourself without having to choose a new one.
Cancel your auto insurance with the Hamon law
Termination for the sale of your car
In the event of a sale or donation of your vehicle, the insurance code specifies that your auto insurance contract is suspended the day after the sale at midnight. Please note that this does not mean that your contract is terminated, to terminate this contract, you must send a registered letter to notify your insurer.
In accordance with article L121-11 of the Insurance Code The contract will be terminated no later than 10 days after receipt by the insurer of your letter (the acknowledgment of receipt being proof for a registered letter). The insurer will have to reimburse you, if you have paid it in advance, the current contribution between the date of sale of your vehicle and the date of effective termination of your contract.
For example: you have a contract which expires on June 1, 2013. You sell your Renault Twingo on February 1, 2019, and you inform your insurer on February 5. Your contract will be terminated on February 15, and you will be refunded contributions for the period February 1 to June 1, 2019.
Your termination letter must be sent by registered mail with acknowledgment of receipt. You will need to attach proof (usually the transfer certificate). You can use our free template letter or our online termination service (personalized electronic registered letter)
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