If your insurer does not meet your expectations, know that it is quite possible for you to change easily. You can carry out the steps in a very simple way and change provider for a car insurance more adapted to your expectations, provided you are vigilant on certain points. Here are all the questions to ask yourself before a change of car insurance.
What are the conditions for changing insurance?
Do you find your current car insurance rates prohibitive? In three minutes, a car insurance quote will inform you about the rates offered by other insurances.
Does the answer convince you? You are ready to take the steps.
First of all, be aware that as for mutuals, insurance contracts are renewed every year, and that both the insurer and the insured have the right to terminate their contract without giving any reason, every year.
Since the implementation of the Chatel Law, insurers are required to notify their policyholders before the fateful date, indicating that their contract will be automatically renewed.
You have not received a letter indicating the renewal of your car insurance?
So, you are free to change insurer by invoking this breach.
More recent, the Hamon law allows any insured to change car insurance at any time, from the moment they have signed their contract for more than a year. This law, put in place by Benoît Hamon to free competition between insurers, allows policyholders to regularly request car insurance quotes, compare rates and select the cheapest car insurance.
To make use of this law, it is very simple; simply send a letter of termination to your insurer; Note that some insurers take care of the procedures themselves and offer to terminate contracts with your former organization themselves.
The change of vehicle, an ideal moment?
You sell your old vehicle and you will buy a new one. This is the perfect time to make a comparison and consider a possible change of car insurance. Indeed, the sale of the vehicle is a legal reason to terminate his contract before it expires.
You have two options:
- You can of course keep your current car insurance and adapt it to your new vehicle; It is advisable to draw up a car insurance quote beforehand according to your new criteria, and to select the most suitable new formula. It probably won't be the same as your previous car insurance; Indeed, new vehicles are more powerful and equipped than used vehicles; As repairs cost more, car insurance premiums can logically increase.
- You can also simply change your car insurance: the sale of your old vehicle can be the time to compare quotes and select a new insurer more suited to your expectations. An online car insurance quote will lead you to ask yourself the right questions about your profile (since when do you have the license, are you misused, what use do you make of your vehicle) and your car (make, date of purchase …).
These elements will allow you to establish a personalized quote and make your choice of new insurance in full knowledge of the facts.
Once your choice is made, all you have to do is send a registered letter to your former insurer.
Good luck to all!
