Home insurance: contract subscription
Verified 11 March 2022 - Directorate for Legal and Administrative Information (Prime Minister)
Online termination of insurance contracts taken out via the internet
Published on 18 August 2022
The law of 16 august 2022 on emergency measures for the protection of purchasing power provides for the possibility of canceling insurance contracts signed via the internet online and free of charge.
This measure will come into force on a day to be fixed by Order in Council, and no later than 1er June 2023.
In the meantime, the information presented on this page remains valid.
If you are renting a rental unit with a residential lease (including a mobility lease), you must take out a home insurance. The insurance allows you to be compensated in case of a loss in the accommodation. Before the contract is signed, the insurer must provide you with an insurance proposal that contains the conditions under which you are insured.
If you are a tenant of a rental unit with a residential lease (including a mobility lease), you are obliged to take out a home insurance contract with the minimum guarantee.
You must comply with this obligation regardless of your nationality and regardless of the duration of your stay in France.
However, if you own the house in which you live, you do not have to take out insurance.
However, when the property you own is in a condominium, you may be required to take a co-ownership insurance.
To find a home insurance offer, you can search the internet.
You can also go to the offices of:
- General Insurance Officer
- Insurance Broker
- Insurance company
You can approach multiple agents simultaneously to compare their proposals.
You must tell the insurer what guarantees you want to take out.
The insurer may ask you to fill out a questionnaire. It will be used to assess the risks and determine the amount of the contribution.
You have to give them accurate information. Indeed, a false statement or omission can be considered as a swindle and can have serious consequences for you. In that case, the compensation you should have received may be reduced, and you may have to compensate some of the victims yourself.
If a declaration of bad faith is found, the contract can be declared ineffective by the judge: the insurer will not compensate you, but it will keep the contribution.
The insurer who agrees to cover you must provide you with an insurance proposal.
This document includes
- an information sheet on prices and guarantees
- and a copy of the draft contract or a detailed information notice.
Documents must be clear and written in visible characters.
They must tell you very specifically about:
- Applicable collateral limits (e.g. list of uncovered risks)
- Applicable law and competent bodies in case of dispute
- Conditions for triggering the guarantee for liability contracts (triggering by the harmful event or by complaint)
If you are satisfied with the insurance proposal, you must complete and sign the documents and hand them over to the insurer.
You may also enter into a discussion with the insurer at this time on the terms and conditions of the contract, including the rate.
Once you have reached an agreement with the insurer, the insurer must provide you with the insurance contract, which includes the general terms and conditions and the specific terms and conditions.
The general conditions concern guaranteed risks, exclusions, deductibles, claims declaration procedures, method of payment of contributions...).
The specific conditions concern your identity, the description of the insured risk (description and situation of the dwelling), the amount of the contribution and the amount to be paid on the 1st maturity (in case of splitting).
If the insurance contract is suitable for you, you must sign it and return it to the insurer.
Once the signed contract is in the possession of the insurer, you can no longer reverse your decision.
You have a withdrawal period only in cases where the negotiation was done remotely or via the Internet.
You have a withdrawal period of 14 calendar days following the signature of an insurance contract which has been concluded at a distance in any of the following cases:
- You have been contacted by telephone or at your home
- You have responded to a mail merge (by mail or by mail)
- The contract was concluded via the Internet
To request the cancelation of the contract, you must send the insurer a registered letter with acknowledgement of receipt informing it of your intention to cancel your contract. You don't have to justify your decision.
However, you will have to pay the premium share corresponding to the number of days already covered by the contract. The insurer must reimburse you for the amounts already paid within 30 calendar days of termination. After this period, the sums due are increased by statutory interest.
you can no longer withdraw if a claim has occurred during the withdrawal period and you have requested compensation from the insurer.
Once you have given the signed contract to the insurer, it will send you a certificate proving that you are insured.
The rates set by the insurers are free and contributions may vary from one company to another for the same guarantee.
So you need to compare quotes to choose the best offer.
Generally, rates depend on several factors, the main ones being the following:
- Size of dwelling
- Location of the accommodation
- Value of housing and insured property
Amount of the contribution
The amount of the contribution shall be fixed at the signing of the contract.
If you find that this amount is not in accordance with the amount indicated on the insurance proposal, you can refuse the contract.
Due dates are the dates on which you must pay insurance premiums.
Two types of maturity must be distinguished.
- The main maturity is the date up to which you are covered. This is the only relevant date for terminating the contract.
- Secondary maturity is the date on which you must make an interim payment, where the contract provides for a split of the contribution. The interim maturity may be monthly, quarterly or half-yearly.
The insurer must periodically send you a notice of maturity. This document shows the amount of the contribution to be paid and the date from which you must pay it.
You have ten calendar days from the date indicated on the notice of due date to pay your contribution.
After this time, the insurer can send you a registered letter, called formal notice to warn you that you will no longer be covered if you do not pay the contribution within 30 days.
If you have not paid your contribution before the expiration of the 30-day period, you will no longer be covered by the contract.
10 calendar days after the expiry of the deadline, the insurer may terminate the contract and request in court the full payment of the contribution.
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