Quels documents pour changer d’assurance auto?

The law facilitated the démarche de résiliation en matière d’assurance auto. Today, you can change your policy or contract at any time past the first year of membership. However, they must provide several documents, such as the registration certificate or copy of the valid driver’s license. Faisons le point sur l’ensemble des documents à présenter en cas de changement d’assurance car.

Dans quel cas, can you cancel your car insurance?

  • Beyond a year of engagement: the Hamon law of January 2015 relative to consumption gives the right to cancel your auto contract at any moment, whatever the reason
  • 1 mois avant la date d’échéance en respecting un préavis d’un mois
  • Before a year of engagement: termination is possible when a change in situation involves a risk modification (moving, selling or stealing a vehicle…)
I want to change my car insurance

What documents do I need to provide to my current auto insurer?

Si votre demande de resiliation a lieu après la première année de cotisation, aucun document n’est nécessaire. C’est votre nouvel assureur qui se charge de resilier your contrat.

However, he must justify the request to change the contract:

  • Vous avez vendu votre véhicule : dans ce cas, you must send a letter of rescission by registered letter with acknowledgment of receipt
  • Votre contract actuel date de moins d’un an: ici, your assureur you demandera of justifyer your change of situation par voie recomande also

NB: resistance requests are effective 10 days after receipt of your courier.

>>Click here to pour compare car guarantees and choose the best one!

What are the documents for the new insurer?

Depuis la loi Hamon, au-delà de la première année, les assureurs peuvent resilier leur contrat auto quand ils le souhaitent. Dans ce cas, nouvel assurere doit rassembler plusieurs administratifs documents to establish the new contract:

  • Le certificat d’immatriculation du vehicle (carte grise)
  • Your driver’s license
  • IBAN bank account number
  • Le relevé d’informations qui comprend l’historique de vos sinistres, your coefficient bonus malus…

Tip: Most insurance companies propose to handle auto insurance cancellation procedures themselves for their new client. It is therefore important for you to inform yourself upstream.

To the list of documents to retain for the change of insurance

Afin de vous préparer au mieux, here is a recapitulative des documents indispensable en cas de resiliation auto insurance:

  • Your car’s registration certificate
  • A copy of your valid driver’s license
  • Your RIB
  • A relevé d’information and you are already assured
  • A letter of rescission (vehicle sales or change of situation) addressed to the old insurer to end the car contract

Attention: soyez vigilantes sur les délais de carence! Renseignez-vous auprès du nouvel assureur to know les modality d’adhèsion so you don’t find yourself without auto cover. Nous vous rappelons que tout conducteur français d’un motor terrestre must be insured. Les conducteurs non-assurés risc des sanctions et une non prize en charge du sinistre.

Quels criteria considerer pour changer d’assurance auto?

When you want to change the automatic contract, we recommend that you study several settings. The purpose of this is to find auto insurance adapted to your situation and au meilleur prix.

  1. At the premiere, he chose to analyze the current contract, general conditions and warranty exclusions. Thus, you know exactly the current niveau de couverture.
  2. Par la suite, rendez-vous sur un comparateur in ligne d’assurance auto to review les différences offres. Choose several companies d’assurance et effectuez des devis d’assurances automobile. Please note, you must be accurate and honest in your answers to get an accurate estimate. Cette demarche is fast and totally free.
  3. Finally, compare the different tools received, being vigilant to the own criteria of your vehicle and your insured profile. Soyez également pay attention to different commercial offers proposed by insurers, this can allow you to realize belles économies or acroître your level of guarantee.

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