Chapter I: Special provisions relating to general insurance in the départements of Bas-Rhin, Haut-Rhin and Moselle

The Insurance Code is applicable to risks located in the départements of Bas-Rhin, Haut-Rhin and Moselle, subject to the following provisions.

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…

The provisions of this Title may not be amended by agreement, except those which give the parties a simple option and which are contained in Articles L. 191-7, L. 192-2 and L. 192-3.

In the event of breach of an obligation incumbent on the insured after the occurrence of the loss, the insured shall only be liable for forfeiture in the event of gross negligence or wilful default on his part.

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.

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…