My auto insurer has simply terminated my contract. Does he have the proper and what can I do?
In the similar method that you may terminate your auto insurance contract at the finish of the first 12 months after which at any time, your insurer is additionally entitled to terminate it by respecting sure guidelines which should be laid out in the normal situations. (GTC) of your contract.
Normally, termination by the insurer can happen at the finish of the contract. He should then notify you two months earlier than this deadline (article L113-12-1 of the Insurance Code) so that you’ve got time to take out a brand new contract with a competitor … or as a way to contest this termination. This should usually be justified and most frequently happens following a number of claims by the insured, whether or not or not the latter is accountable and even typically if he had beforehand benefited from a excessive bonus. In different phrases, some insurers are solely curious about clients who value them nothing or not too costly!
Check the normal situations of use
Termination may happen at any time if this is supplied for in the GTC for varied causes: non-payment of contributions, declare following felony conduct (state of intoxication, medication, and so on.).
What to do following this discover of termination? If you take into account it significantly unjustified, you possibly can contest it with the insurer by asking it to reverse its resolution, then with the Insurance Mediator, however it will take a while and also you threat discovering your self with out insurance. However, this is obligatory. If the termination seems to you to be abusive and causes you prejudice, you possibly can search compensation for it.
It is due to this fact finest to flip to the competitors and search a extra virtuous insurer. Our “auto insurance” file on our web site quechoisir.org may help you. Finally, bear in mind that in the occasion of problem to find a brand new insurer, you possibly can contact the BCT (Central Pricing Office) which is able to designate the insurer who may have to insure you, automobile insurance being obligatory.