Chapter IV: Jurisdiction and prescription.

All actions arising from an insurance contract are subject to a limitation period of two years from the event giving rise to the claim. By way of exception, actions arising from an insurance contract relating to damage resulting from ground movements caused by drought and soil dehydration, recognised as a natural disaster under the conditions set out in article L. 125-1, are subject to a limitation period of five years…

The limitation period is interrupted by one of the ordinary causes of interruption of the limitation period and by the appointment of experts following a claim. The interruption of prescription of the action may also result from the sending of a registered letter or an electronic registered letter, with acknowledgement of receipt, addressed by the insurer to the insured in respect of the action for payment of the premium and…

Notwithstanding article 2254 of the Civil Code, the parties to an insurance contract may not, even by mutual agreement, alter the duration of the limitation period or add to the causes of its suspension or interruption.