Terminate a contract to better ensure
Increased premiums, repeated claims, new car ... it sometimes makes more sense to change insurance company to find a suitable offer at the best price. Still tedious a few years ago, these procedures are now facilitated by the Hamon law, which allows any auto insurance contract to be terminated after one year of engagement. Contacting a new insurer is enough for the termination procedures to be automatically taken care of. After 30 days, the auto insurance change is made.
Malynx tip!
A refused contract modification constitutes grounds for termination by the insured. He has the right to terminate his contract at the end of a period of 30 days following the refusal of his insurance company.
Frequently Asked Questions (FAQ)
? What is an auto insurance contract rider?
When a change in situation occurs, the insured and the insurer can sign an endorsement. This is a document that updates the contract taking into account the changes, which eliminates the need to rewrite the entire contract.
? Can we modify an insurance contract without terminating it?
It is quite possible to modify certain elements of your insurance contract without requesting termination. For example, you can remove an unnecessary warranty, or change the compensation limits. You should discuss this with your insurer.
? Does the increased risk change the auto contract?
If your change in circumstances worsens your risk, it may lead to changes in the auto insurance contract. Your insurer can offer you a simple rider, which will not impact your premium, or suggest a contract modification.
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