Documents for car insurance
Documents are required to purchase auto insurance. The insurer is required to ask the insured to provide it with the vehicle registration certificate, also called gray card. It is a part that allows your car to move. In addition, the insurer asks for the model, the fiscal horsepower, the version of the car, the date of entry into service of the car, the driver’s license and a photocopy of the information statement or statement of situation for the observation of the insurer of your location on the bonus-malus. If you have decided to change car insurance, this statement should be requested from the old car insurance company. It should be noted that “novice drivers” do not have to follow this step.
Change insurance
There are many reasons why policyholders change car insurance. The following points set out the reasons for the termination of the car insurance contract:
Financial order: compare insurance offers online to see car insurance contract offers at attractive prices;
Difference in coverage: following a change in needs or opting for insurance with good guarantees;
A disappointing, inefficient, unresponsive insurer;
Slow processing of the file;
Very low compensation.
When to change auto insurance
Wondering how you can change car insurance and insure your car online? The answer to this question is that changing auto insurance requires conditions before terminating the contract, even if an insured can do so at any time.
The Hamon law and the termination of the contract
Since the promulgation of the Hamon law, the termination of the car insurance contract is easy and without reason as well as other benefits such as the fact that tacit renewal is no longer automatic.
This law entitles the insured to change car insurance as soon as he feels dissatisfied with the previous one, but you must have been a subscriber for one year. Indeed, you must send a letter for your future insurer and complete the form or mandate authorizing your new insurer to proceed with the cancellation steps.
“It is the role of the insurer to carry out the administrative procedures and not the insured.
The insurance contract with the previous company will be terminated in one month and the new one will begin.
Exceptional cases of termination of the car insurance contract
In the event that the subscription is for a period of one year, it is possible to terminate car insurance in advance. These exceptions depend on the situation of the vehicle, in the event that it has been sold, stolen or destroyed, or in the event of a move, retirement, total interruption of work or a change of profession or marital status.
Termination of the contract without proof
Following the omission of the insurer to inform the insured about the tacit renewal of the auto insurance contract, the insured has the right to terminate the contract in the event that the notice of expiry received is less than of 15 days. Consequently, the insurance contract can be terminated from the date of renewal.
car insurance signature
SEE ALSO: Third-party or all-risk car insurance: what to choose?
The right of the insurer to terminate the contract
It is not reserved for the insured to terminate the auto insurance contract, but the insurer may terminate it in the following cases.
At the end of the insurance contract, the insurer has the right to terminate the contract without having to justify it. Provided that he warns the insured two months before the end of the contract and by mail. Indeed, the insurer decides to terminate in the event that you have failed to pay the premium within ten calendar days, followed by a reminder.
In addition, the insurer terminates the insurance contract if the insured is in bad faith, which allows the object of the risks to change. The insurer notifies the termination by mail and the termination will take place after ten calendar days.
Change in personal situation
The insurer following a change in the personal life situation of the insured thinks that this will impact the risks. This means that there could be an increase in risk if another person is driving the car. The insurer has the right to terminate due to new risks where he can request an excess of contributions.
