The resilient insurer for non-payment of contributions
The insured has ten days after the due date to pay for its contribution. If this deadline is exceeded, the insurance company sends a registered letter. Thirty days later, the contract is suspended and the insured is no longer guaranteed. This period is calculated from the day of the deposit at the post of the registered letter. The insurer has the right to terminate the contract ten days after the expiry of the period of thirty days if the contribution has still not been settled.
The unpaid contribution remains entirely due to the insurer, even when the contract is terminated, and its payment will not provide the contract into force. If the contract has not been terminated, the guarantee leaves the next day at noon of the day of payment of the contribution. The insurer will not indicate any disasters that occurred between the date of suspension of the contract and that of its reinstatement.
The subscription of a new contract with another insurer
The insured is obliged to declare the new insurer that the previous contract has been terminated for disaster or for non-payment of contributions. Otherwise, it could be punished for false declaration: reduction of compensation on the occasion of a claim, or non-payment if the insurer proves the bad faith of the insured and invokes the nullity of the contract.
How to find an insurer?
You can contact an insurance intermediary (general or broker), at the counter of an insurance company or a financial organization or use an insurance comparator site.
In case of difficulty finding an insurer, some associations (with disabilities, patients, etc.) can possibly direct you to insurance companies with which they have passed an agreement. With regard to the subscription of a mandatory car liability insurance or rental liability, you can enter the central pricing office if you have done before a refusal. This instance has the role of setting the premium by which the insurance company you have designated will be required to ensure.
The above items are given for information. They are not necessarily exhaustive and can not substitute for official texts.
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