Termination of an insurance contract at maturity
the law provides both the insurer and the insured with the option of terminating the insurance contract each year.
To terminate the contract, the insurer must send a registered letter to the insured at least two months before the due date.
In other cases, the insurer must send a registered letter to the insured.
Termination of the contract by the insurer the specific provisions of the health insurance
The insurer can not terminate a health insurance contract:
past two years for provident benefits (disability, disability, loss of employment and death, if this risk is incidental to another guarantee).
Termination of an insurance contract for non-payment of contributions
In case of non-payment of the contribution within ten days after its expiry, the insurer sends the insured, a formal notice to pay within thirty days.
The contribution has still not been paid after this thirty-day period
At the end of this thirty-day period, the insurance contract is first subject to a suspension of guarantee, then the insurer has the right to terminate it ten days later. When the contract is terminated following the non-payment of the contributions, the unpaid contribution remains entirely due to the insurer.
Termination of an insurance contract for aggravation of risk
The risk described at the time of contract subscription may change over time. If the insured does not respond, or expressly refuses this reassessment proposed by the insurer, the insurer may then terminate the contract after a period of thirty days from the date of its proposal.
Termination of an insurance contract after a claim
Termination of the contract shall take effect upon expiry of one month after notification to the insured. The insurer must reimburse the portion of the contribution corresponding to the period from the effective date of the termination initially scheduled.Termination of a post-disaster insurance contract:
the specific provisions of compulsory motor insurance
After a claim, the insurer has the right to cancel the mandatory civil liability cover outside the due date:
if the driver of the insured car was a driver under the influence of drugs or under the influence of drugs;
Termination of an insurance contract following:
an omission or misrepresentation by the insured
termination to the original expiry date.
Other possibilities of terminating an insurance contract out of maturity
The insurer may also, like the insured, terminate a contract upon the occurrence of certain events listed in the
Moving, marriage, retirement …
The termination takes effect one month after the insured has been notified of this termination.