French Insurance Code

The formal notice provided for in the second paragraph of article L. 113-3 is served by sending a registered letter to the insured or the person responsible for paying the premiums, to their last address known to the insurer.

On each premium due date, the insurer is obliged to notify the insured, or the person responsible for paying the premiums, of the due date and the amount owed.

Cancellation of an insurance contract under article L. 113-16 is effected in one of the ways provided for in article L. 113-14, if cancellation is initiated by the insured, or by sending a registered letter with acknowledgement of receipt if cancellation is initiated by the insurer. This letter or dispatch must indicate the nature and date of the event to which it refers and give all details likely to establish…

I.-The contract cancellation notification function provided for in II of article L. 113-14 is presented to the policyholder as “cancel your contract” or a similar unambiguous wording, displayed in legible characters. This feature is directly and easily accessible from the online interface made available to policyholders. It contains a general reminder of the conditions for cancelling contracts, including, where applicable, the existence of a notice period and the consequences of…

Where a policy provides for the insurer to cancel the contract after a claim, the cancellation may only take effect at the end of a period of one month from the date of notification to the insured. An insurer who, after the period of one month following the loss, has accepted payment of a premium or contribution or a fraction of a premium or contribution corresponding to a period of…

I. – The first paragraph of article L. 113-15-2 applies to the following tacitly renewable insurance contracts covering natural persons outside their professional activities: 1° Contracts in the classes mentioned in 3 or 10 of article R. 321-1, including motor third-party liability cover as defined in article L. 211-1; 2° Contracts in the classes mentioned in 8, 9 or 13 of article R. 321-1, including cover for the liability of…

I.-For the contracts referred to in article R. 113-11, where the conditions for cancellation provided for in article L. 113-15-2 are met, the insurer shall apply the provisions of that article: 1° When the insured cancels the tacit renewal of the contract in application of article L. 113-15-1, after the deadline for exercising the right to cancel the contract; 2° If the insured requests cancellation of the contract on the…

Pursuant to the third paragraph of article L. 113-12-2, the insurer may only cancel the insurance contract taken out as part of a credit agreement referred to in 1° of article L. 313-1 of the Consumer Code on the grounds of increased risk if the following conditions are met: 1° The insured regularly engages in a new sporting activity that presents a particular risk to his or her health or…

For the purposes of applying article L. 561-8 of the Monetary and Financial Code to life insurance or capitalisation contracts, where the insurance undertaking is unable to meet the obligations set out in articles L. 561-5 or L. 561-5-1 of the same code, it shall carry out a new assessment of the risks associated with the contract and the reasons why it has not obtained the information necessary to meet…