Auto insurance withdrawal: How to do it?
Withdrawing from insurance linked to your vehicle after signing follows a specific procedure. However, the process is simple, whether it is a remote subscription or a physical contract. In both cases, you owe it to yourself to inform the company with which you had to make your subscription within a very specific period.
This period is the same for all subscriptions, whether it is an electricity, gas or telephone contract. It is 14 days and exceptionally takes into account working days. To inform the company, you will need to write a follow-up letter with acknowledgment of receipt, in addition to a copy of the insurance contract.
The courier must have certain information available on the various forms of the insurance contract. To give the company the data it needs to get the process started.
The insured must know that he is not exempt from reimbursement, between the subscription and effective withdrawal dates. That is to say, he will be able to collect the excess of his paid contribution or will reimburse the difference in insurance premiums between his date of subscription and that of withdrawal.
Even if the retraction is effective, it is not immune from the obligation to take out a new contract. He has the freedom to change his formula with his current company, as he can also go to another. As an aside, in order to find a company that meets his requirements, he can use an online car insurance comparator.
How to write a letter of withdrawal from car insurance?
This is an essential step, and it must be well written in order to facilitate the withdrawal. Companies whose areas of activity are subject to the consumer's right of withdrawal must provide them with a withdrawal slip. In addition, before making this sheet available, they must verbally inform the consumer of his right to reconsider a proposed offer.
Writing the letter also amounts to also filling in the slip by entering:
all information related to his identity;
detailed information on the offer or services;
the date of signature of the contract;
his signature…
Both the form and the withdrawal letter constitute the withdrawal form. There are several parts to writing a withdrawal letter.
At the left corner, along the width of your sheet, write your name, first names, home and mailbox addresses, and your phone number.
Write in the middle the name of the insurance company or insurer and information such as their address; zip code and the city in which they are located.
Notify the subject of the letter.
Write in a concise and structured manner.
Sign at the bottom of the sheet.
It is imperative to constantly check the receipt notice before sending the withdrawal form. That way, you can be sure that you are not being thwarted, legally speaking.
What does the law say about the auto insurance withdrawal period?
A contract binds two people with the formula of promise and recognition (insurance premiums, guarantees, etc.). Any breach or withdrawal will therefore have consequences in the event of non-compliance or if you decide to terminate without taking into account the terms of the contract taken out.
French law under Hamon’s Law has set the minimum withdrawal period at 14 days. This is a consumer law enacted since 2014, to promote trade.
Hamon’s Law helped tremendously in this direction, as it used to be only 7 days. It also stipulates that this period is variable depending on the offers or proposals. It is up to the company to specify this for each offer.
How to find new auto insurance after withdrawal?
If you've finally made up your mind to opt out, you should know that you are still required to have auto insurance to be in compliance with the law. Be aware that this is the case even if your vehicle is not moving and is parked in the garage. You will therefore need to quickly take steps to find your new insurance. But what do you do if you're in a hurry?
The best way to find cheap auto insurance is to go online and more specifically by using an insurance comparator.
In fact, by filling out the form only once to target your needs, you will have access to the best proposals. This is done in just a few minutes. In a few clicks, you will receive your quotes in your mailbox.
All of this can be done as soon as you have a little spare time. It doesn't matter whether it is during your lunch break, in the evening or on a Sunday.
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