How to cancel professional auto insurance?

How to cancel professional auto insurance?

Have you decided to end coverage for your company car fleet, or the vehicle you use for work? What is the procedure to follow and above all, are there any deadlines to be observed? Is it possible to terminate my professional contract at any time? Can a broker help you? When to look for your next insurance? Don't worry, Reassure Me details everything you need to know about canceling pro car insurance.
pro auto insurance termination

Summary

    Can I cancel a professional auto insurance contract at any time?
    What are the 3 cases of termination of professional car insurance?
    What are the conditions for terminating professional auto insurance?
    Canceling professional auto insurance: how to get help?
    Our professional car insurance termination letter templates
    How to modify a professional vehicle insurance contract?
    The case of the termination of professional auto coverage by the insurer

Can I cancel a professional auto insurance contract at any time?

The insured may terminate his professional garage insurance at the end of the contract or following certain circumstances or changes to the conditions initially provided for.

    Termination of professional insurance at the end of the contract:
    The notice is usually 2 months. This period may be reduced, in which case the information will be indicated in your general conditions. This means that you must inform your insurer of your desire to terminate at least 60 days before the scheduled expiry date. The termination will take effect 2 months after the date of receipt of your letter by the insurer.

    Termination of professional auto insurance following an event:
    At any time during the contract, your professional insurance can also be terminated in the event of a change in circumstances. In this case, your request for termination must be made within a maximum of 3 months following the event. The termination will be effective 30 days after receipt of your request by the insurer.

    Termination period for pro auto insurance in the event of modification of the terms of the contract:
    In the event of an increase in your professional insurance premium for no reason, you can also terminate your car contract by sending your termination request within 1 month maximum (from your knowledge of the increase in contributions).
    The termination will take effect 1 month after receipt of your request by the company.

What are the 3 cases of termination of professional car insurance?

As a trader, car rental company or liberal professional, you can terminate your insurance contract in these 3 cases:
Case 1 - Termination of your professional vehicle insurance contract on expiry

You can cancel your professional insurance when your contract expires. The contract expiry date is:

    Either the anniversary date (the day on which your insurance policy is signed),
    Or the date indicated in the general conditions of your company (often January 1 of each year).

    The advice of Reassure me: do not forget to respect the 2 month notice period. If you do not take this into account, your request may not be accepted and your contract will be renewed until its next expiry.

Case 2 - Termination of your professional auto cover in the event of an event modifying the insured risk

For termination during the year to be accepted by the insurer, the event concerned must modify the level of risk that was initially insured. For example :

    In the event of a change of domiciliation of your company,
    In the event of reorganization or compulsory liquidation of your company,
    If you stop or change activity, or if you retire.

If you believe that an event has reduced the risk and therefore the cost of your car insurance but your insurance refuses the reduction in price, you are also entitled to cancel (fewer cars covered, reduction in journeys made, etc. ).

    Reassure me's advice: If you are in one of these situations, your insurance company is required to reimburse you for the part of the insurance premium that has already been paid. However, do not exceed the maximum time limit for declaring the event!

Case 3 - Termination in the event of a change in the pro auto insurance premium

Finally, you can also terminate your contract in the event that your insurer makes changes to your contract, such as an increase (unjustified and at the initiative of the insurer) in your car insurance contributions or the deductible.

    The advice of Reassure me: be careful, we remind you that the increase in the premium must not