Today, the daily life is protected by many insurance policies. The objective is to avoid bearing the financial consequences of any kind of disaster. And because our needs are constantly changing, it is recommended that we review its contracts every two years or so, so that its insurance coverage can be readjusted on a competitive basis where necessary. But how do we break his commitment? Are the conditions always the same?

The annual deadline

The legislation provides a number of opportunities for individuals to terminate their contracts, as long as it does not cover occupational coverage (regulated separately). In general, any insurance can first be broken each year, making sure to send your application at least 2 months before the due date. Please note that the deadline is not always set at 31 December.

But not everyone has their nose in their calendar all the time and it's very easy to miss the bus. This is why the Chatel Law of 2005 requires insurance companies to remind their customers of their option not to renew their contract and specify the period of notice to be followed in order to terminate. This information must be sent each year with your notice of due date, between 3 months and 15 days before the deadline to terminate the commitment. You will then have 20 days from the date the notice is sent to take action. In addition, if the insurer has been late and past the deadline, you can cancel at any time.

Most conventions require you to proceed by registered mail with acknowledgement of receipt (AR), but other media may be permitted. Please make sure to inquire so that your request will not remain ineffective.?

At any time

Thanks to the Hamon Law of 2014, the termination of your insurance can also be "sub-annual". In other words, you no longer need to wait for the due date and can request the termination of your commitment at any time during the year by letter or any other support provided for in the agreement.? Only imperative: this freedom of termination is valid only at the end of your first year of subscription.

This right now applies to the vast majority of contracts entered into for non-professional purposes. Intra-annual termination works in the case of car insurance, home property insurance or even affinity protection (warranty extensions taken in particular for smartphones, household appliances and high-tech products). Since 1 December 2020, individuals who have signed an individual health insurance contract can also take advantage of this possibility, as can employees who subscribe to their company's voluntary collective coverage.