Forgot to pay your insurance contributions? Your insurer reminded you but you did not follow up? Well, the company can terminate your contract after 40 days without your consent.
A customer of an insurance company did not want to pay his contributions for the renewal of his contract. The consequences are clear: the insurer unilaterally terminated the contract. And he had every right to do so. The insurance mediator called upon in this dispute made this very clear, relates Capital: the insurer is free to terminate the coverage it markets if it respects the deadlines imposed by article L.113-3 of the Insurance Code.
A few weeks before the anniversary date of your auto, health or home insurance contract and therefore of its renewal for the following year, the company sends a notice of expiry. You then have a 10 days to pay the amount due. After this time, the insurer can send you a formal notice to pay. And this, at maximum 30 days later receiving mail. Beyond 30 days, your guarantees may be suspended. If your insurer has no feedback from you 10 days later, it has the right to terminate your contract purely and simply.
The customer then asked for his contract to be reinstated (without having paid the contributions) and contacted the mediator. The insurance company could have reactivated the contract but was not obliged to do so. She did, however, agree to a refund of the premium for the period after termination.
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If the mediation decision does not suit me, what should I do?
Contacting a mediator during a dispute with your insurer is completely free of charge. That said, any request must be preceded by a written complaint to the insurance company concerned according to the terms provided for in the contract. The mediator has three months to render his opinion on the dispute (unless there is an additional delay).
Contract terminated by insurance: what to do?
Of course, upon receipt of the decision, both the insurer and the insured have the right not to take it into account. It is at this point that the insured can take the case to court, if no agreement has been reached before that.
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