Where a contract covering civil liability arising from the use of motor vehicles other than the carrier’s civil liability is taken out under the freedom to provide services within the meaning of article L. 310-3, the contract or cover note must indicate the name and address of the claims representative appointed in France by the insurer.
I.-Any natural person who is canvassed at their home, residence or place of work, even at their own request, and who signs an insurance proposal or contract for purposes which do not fall within the scope of their commercial or professional activity, has the option of withdrawing from it by registered letter or by electronic registered mail with acknowledgement of receipt within a period of fourteen calendar days from the…
An insured who, for non-professional purposes, takes out an insurance contract which complements a good or service sold by a supplier may cancel this contract, without charge or penalty, as long as it has not been fully performed or the insured has not called in any guarantee, and within a maximum period of thirty calendar days from the conclusion of the contract. Where the insured benefits from one or more…
Where a non-insurance good or service is offered in addition to an insurance contract as part of a package, the distributor shall provide, before the contract is concluded, an appropriate description of the various elements of the package and indicate how their interaction alters the risk or insurance cover.
Loss and damage caused by fortuitous events or by the fault of the insured shall be borne by the insurer, unless expressly excluded to a limited extent in the policy. However, the insurer is not liable for loss or damage caused by the intentional or wilful misconduct of the insured.
The insured is obliged : 1° To pay the premium or contribution at the agreed times ; 2° To answer accurately the questions asked by the insurer, in particular in the risk declaration form used by the insurer when the contract is concluded, on the circumstances that are likely to lead the insurer to assess the risks it is taking on; 3° To declare, during the term of the contract,…
By way of exception to 2° of article L. 113-2, when the purpose of the insurance contract is to guarantee, in the event of the occurrence of one of the risks defined in the contract, either the total or partial repayment of the amount outstanding under a credit agreement referred to in 1° of article L. 313-1 of the French Consumer Code, or the payment of all or part of…
The premium is payable in cash at the domicile of the insurer or the agent appointed by the insurer for this purpose. However, the premium may be payable at the insured’s domicile or at any other agreed place in the cases and under the conditions set out exhaustively by decree of the Conseil d’Etat. In the event of non-payment of a premium, or a fraction thereof, within ten days of…
In the event of a worsening of the risk during the term of the contract, such that, if the new circumstances had been declared when the contract was taken out or renewed, the insurer would not have taken out the contract or would have done so only at a higher premium, the insurer may either cancel the contract or propose a new premium. In the first case, the cancellation cannot…
A credit insurer who waives cover for receivables held by its insured against one of the latter’s customers, where the customer is located in France, must explain its decision to the insured at the latter’s request.
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75001, Paris France
RCS Paris n°814433470
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is a Registered Trademark of
PETROFF LAW FIRM (SELARL LEGASTRAT)
182, rue de Rivoli
75001, Paris France
RCS Paris n°814433470
Paris Bar Registration n° (Toque) C2396
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is a Registered Trademark of
PETROFF LAW FIRM (SELARL LEGASTRAT)
182, rue de Rivoli
75001, Paris France
RCS Paris n°814433470
Paris Bar Registration n° (Toque) C2396
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