Book I: Contracts

I.-Where the insured has the right to cancel the contract, notice of cancellation may be given, at the insured’s choice : 1° By letter or any other durable medium ; 2° by a declaration made at the registered office or at the representative of the insurer; or 3° or by extrajudicial document; 4° Or, where the insurer offers to conclude the contract by a distance communication method, by the same…

The duration of the contract must be clearly stated in the font. The policy must also state that the tacit renewal period may under no circumstances exceed one year.

For tacitly renewable contracts covering natural persons outside their professional activities, the deadline for the policyholder to exercise the right to cancel the contract must be stated with each annual premium or contribution due date notice. If this notice is sent to the policyholder less than fifteen days before this date, or if it is sent after this date, the policyholder is informed with the notice that he/she has a…

For insurance contracts covering natural persons outside their professional activities and falling within the branches or categories of contracts defined by decree of the Conseil d’Etat, the insured may, after a period of one year from the date of first subscription, cancel tacitly renewable contracts and memberships without cost or penalty. Cancellation takes effect one month after the insurer has been notified by the insured. The right of cancellation provided…

I.-For the contracts referred to in article L. 113-12-2, the insurer must inform the policyholder each year, on paper or on any other durable medium, of the right of cancellation provided for in the same article L. 113-12-2, the cancellation procedures and the various notification and information deadlines that must be met. The Autorité de Contrôle Prudentiel et de Résolution (ACPR) will investigate and penalise breaches of this obligation under…

In the event of one of the following events: – change of address ; – change of marital status ; – change of marital status – change of profession ; – professional retirement or definitive cessation of professional activity, the insurance contract may be cancelled by either party if it covers risks directly related to the previous situation and which are not covered by the new situation. The contract may…

The insurer who takes over the management of a lawsuit brought against the insured is also deemed to waive all defences of which it was aware when it took over the management of the lawsuit. The insured shall not be subject to any forfeiture or other sanction as a result of his interference in the management of the lawsuit if it was in his interest to do so.