Auto Insurance Talk

How to terminate his car insurance?

Your auto insurance is generally contracted for one year with tacit renewal of it every year. Since January 2005, the Chatel Law requires insurance companies to inform you 15 days minimum before your contract expires to the new amount of your insurance premium. If your insurer does not send you this notice in writing, you can end this contract within 20 days from the date of tacit renewal.
Through the Chatel Law, you also have the possibility to cancel your contract if the insurer has decided to modify its prices or terms and conditions without notice to you. Same after a disaster that you're responsible or not. In this case, should send a letter of termination auto insurance with acknowledgement of receipt at your company.

You also have the possibility to break your auto insurance in the 2 months before the expiry of your contract by sending a registered letter of termination insurance auto with acknowledgement of receipt to your insurer.

Certain circumstances allow you to cancel your contract as auto insurance: change in employment status, unemployment, moving, matrimonial (change your marriage contract, divorce, widowed, wedding etc.). In this case, should be there prove that this change has a real impact on your insurance contract. Need to send to your insurer a letter of termination with AR auto insurance explaining the impact of this change in marital status on your auto insurance policy.

Cancellation insurance: key points to use the Chatel Law
To see how this works, let’s remind you 3 key points on your insurance contract:
-Due date: date which your contract is automatically renewed by tacit agreement (i.e. a year after having been contracted).
-Date of notice: date from which you can no longer cancel your contract. Generally, the notice is 2 months for most insurers. If your contract has a due date to December 1, the date of the notice will be October 1.
-Notice: document sent by your insurer with the amount of the new insurance premiums for the coming year.


The law requires your insurance company to remind you with the notice of expiry date (date of the notice) allowing you to terminate. If the notice of expiry is sent less than 15 days prior to this date (the date of the notice) or after this date, the insured must be informed that he has 20 days to terminate the contract. In addition, the law protects you by including a provision in the case of information. You can terminate your contract at any time by registered letter termination insurance auto with acknowledgement of receipt.

How to use the Chatel Law?
You must check on your last annual notice of expiry if the reference to the law Chatel is present and what date you received this notice.

Once you have verified these points, you have 4 possible situations:

-Your notice was sent more than 15 days before the date of the notice and does not include the mention of the Chatel Law: you can cancel your insurance at any time by registered letter with acknowledgement of receipt.
-Your notice was sent more than 15 days before the date of the notice and includes the mention of the Chatel Law: you can terminate your insurance only by registered letter with acknowledgment of receipt in accordance with the period of notice (generally 2 months).
-Your notice was sent less than 15 days before the date of the notice or after this date and includes the mention of the Chatel Law: you can cancel your insurance only if you are still in the period of 20 days defined by Chatel Law.
-Your notice was sent less than 15 days before the date of the notice or after this date and does not include the mention of the Chatel Law: you can cancel your insurance at any time by registered letter with acknowledgement of receipt

Last Council auto insurance cancellation:
According to Chatel Law, resiliation takes effect the day after the date of the mailing. Attention therefore to be provided the following day, many people think that their insurance runs even on a delay of a month, but this is not the case. So, be sure good to have found another auto insurance before sending your mail.
If on the contrary, your insurance has terminated your auto insurance and you have trouble you sure, consult our convenient cancellation insurance auto.

You wish to cancel your insurance; it is time to compare prices of insurance, to compete. Do not throw you on the first offer, made the tour of the market.