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Title IX: Provisions specific to the départements of Bas-Rhin, Haut-Rhin and Moselle and provisions applicable to Mayotte, the Wallis and Futuna Islands and the French Southern and Antarctic Territories.

Article L191-2 of the French Insurance Code

The risk is deemed to be situated in the said departments: 1° If the property is located in these départements, where the insurance relates either to buildings or to buildings and their contents; 2° Where the insurance relates to vehicles of any kind registered in these départements; 3° If the contract was taken out in these départements, in the case of a contract with a duration of four months or…

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Article L191-6 of the French Insurance Code

Each party has the right to terminate the contract, after the loss has occurred, within one month of the conclusion of negotiations concerning compensation. The insurer must give one month’s notice. It must return to the insured the portion of the premium paid in advance and relating to the period for which the risk did not arise, calculated from the effective date of cancellation.

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Article L191-7 of the French Insurance Code

Without prejudice to the provisions of articles L. 211-17 and L. 242-1, the compensation due to the insured shall bear interest at the legal rate from the end of the month following the declaration of the claim. If the loss has not yet been fully quantified at that date, the insured may request payment of an advance equal to the amount of the loss already established. The time limit does…

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Article L192-3 of the French Insurance Code

Notwithstanding the provisions of article L. 122-4 and unless expressly stipulated otherwise, the insurer is obliged to compensate, in addition to damage resulting from the action of fire, explosion or lightning, damage which is the inevitable consequence of fire or is caused by its extinction, the demolition and clearance of premises, theft and disappearance of insured objects.

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Article L192-4 of the French Insurance Code

In the case of insurance of immovable property, a mortgagee who has notified the insurer of his mortgage may not rely on any fact whatsoever having the effect of terminating the guarantee or reducing the cover of the risk until one month after he has been notified by the insurer or has become aware of it by some other means. The preceding paragraph does not apply where the insurance is…

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