Insurance cancellation letter: home, car, health, loan cover (France)
Published byDocMuse
This document is in French
The PDF you download is in French — that is the language it has to be filed in, so it is not translated. Everything on this page is here to tell you what it says.
For a private policyholder in France who wants to leave an insurer or mutual insurer. After a year, car insurance and a tenant's home insurance are cancelled by the new insurer, and a policy taken out online can also be cancelled online. This letter offers, as you choose: cancellation at any time, after a year, of another policy, such as supplementary health cover, effective one month after receipt (Article L. 113-15-2 of the French Insurance Code; Article L. 221-10-2 of the Mutual Insurance Code); cancellation at the annual renewal date; or cancellation of loan insurance at any time, with the lender's approval of the new policy (loi Lemoine). In French.
- Made for use in France
- Last updated October 13, 2026
When to use this document
- You want to cancel your supplementary health insurance in France after its first year.
- Your insurance renewal date is approaching and you do not want the policy to roll over.
- You found cheaper loan insurance for your mortgage and want to switch during the loan.
- You want to leave your insurer or mutual insurer in writing and keep proof of the date.
What you fill in
The details the document asks for.
- Insured
- Insured's address
- Insurer
- Insurer's postal address
- City
- Date
- Policy number
- Type of insurance (e.g. home contents, personal liability)
- Ground and timing of the cancellation
Preview
This document is produced for you. Your answers are typed into it and the finished PDF is yours to keep.
Common questions
- Can car, home or supplementary health insurance in France be cancelled at any time?
- Yes, after one year of cover: cancellation then takes effect one month after the insurer receives your notice, without fees or penalty (Article L. 113-15-2 of the French Insurance Code; Article L. 221-10-2 of the Mutual Insurance Code for a mutual). For car insurance and a tenant's home insurance, which are compulsory, the new insurer handles it so that cover never lapses. Compulsory group policies through an employer are not covered.
- How is loan insurance on a French mortgage switched during the loan?
- Since the loi Lemoine (Law No. 2022-270 of 28 February 2022), loan insurance can be cancelled at any time, provided it is replaced by a policy with equivalent cover accepted by the lender (Article L. 113-12-2 of the French Insurance Code). First get the bank to accept the new policy, then send this letter with its decision: cancellation takes effect ten days after the insurer receives it, or on the new policy's start date if later. If the lender refuses, the old policy continues.
- Must an insurance cancellation in France be sent by registered post?
- No. The policyholder may cancel by letter or any other durable medium, such as an e-mail, by a statement at the branch, or by the same means used to take out the policy; since 1 June 2023, a policy taken out online can also be cancelled through a 'cancel' function on the insurer's site (Article L. 113-14 of the French Insurance Code). The insurer must confirm the cancellation in writing. Registered post with proof of receipt, or an electronic registered letter, remains useful to prove the date of receipt, which starts the one-month period.
How you can sign this document
- Print it and sign by hand. The signature lines in the document are left blank on purpose — sign on them in ink.
- Sign it yourself with a qualified electronic signature. If you already hold a QES — Evrotrust, B-Trust, StampIT, ZealiD or any qualified provider on the EU Trusted List, on a card, a USB token, in a mobile app or in the cloud — our signing guide explains step by step how to sign this exact file without invalidating it. Step-by-step help, and a way to check it worked
DocMuse sells documents, not legal advice. Acceptance always depends on the recipient's rules and your local law.
Related documents
- Complaint to or termination with a telecom operator, broadband or mobile (France)
For a broadband, landline or mobile customer in France who wants to complain about a failing service or a bill, or to end the contract. As you choose: a complaint, a termination, which takes effect at the latest ten days after receipt (Article L. 224-39 of the French Consumer Code), or a termination without penalty after a change to the contract, within four months (Article L. 224-33). If you switch operator and keep your number, the new operator ends the old contract for you. In French, to send by registered post with proof of receipt.
- Subscription cancellation letter: loi Chatel or legitimate reason (France)
For a subscriber to a gym, magazine, streaming service or club in France who wants to stop. As you choose: cancellation at the end of the term with the contract's notice; free cancellation at any time when the business did not remind you, one to three months before the end of the term, of your right not to renew (the loi Chatel, Article L. 215-1 of the French Consumer Code); or cancellation for a legitimate reason the contract provides for. For a subscription taken out online, the 'cancel' button is often quicker. In French, to send by registered post with proof of receipt.
- Request for repair or replacement under the legal guarantee of conformity (France)
For a consumer in France whose purchase from a business breaks down or is not as promised within two years of delivery: you ask the seller, not the manufacturer, to repair or replace it free of charge under Articles L. 217-3 and L. 217-8 of the French Consumer Code, within thirty days. The letter cites the 24-month presumption (12 months for second-hand goods) and the six-month extension after a repair. In French, to send by registered post with proof of receipt, with the proof of purchase.
- Complaint to an electricity, gas or water supplier (France)
For a household customer in France disputing a bill, a meter reading or estimate, a cut-off, a price change or a connection with their electricity or gas supplier or water service. The written complaint is the required step before mediation: if there is no solution within two months, you can go free of charge, within a year of the complaint, to the national energy ombudsman (Médiateur national de l'énergie) or the water mediation service (Médiation de l'eau). The letter gives your supply point number (PDL, PCE) or meter. In French, to send by registered post with proof of receipt or through the customer account.
- Disputing a contract made through cold calling (France)
For a consumer in France who was called without having agreed to it and is then, according to the business, bound by an energy, telecom, building-work or subscription contract. Since 11 August 2026, telephone canvassing without prior consent has been banned, and a contract concluded after such a call is void (Article L. 223-1 of the French Consumer Code, rewritten by Law No. 2025-594 of 30 June 2025). The letter relies on this and, as you choose, also states that you signed no confirmation of the offer (Article L. 221-16) or exercises your 14-day right of withdrawal. In French, to send by registered post with proof of receipt; also report the call on SignalConso.
- Complaint after a package holiday (France)
For a traveller whose package holiday (flight and hotel, tour, resort) bought in France did not go as planned: a different hotel, missing services, cancelled transfers. The organiser and the retailer are strictly liable for performance of the package (Article L. 211-16 of the French Tourism Code); you ask for a price reduction for the period of non-conformity and damages (Article L. 211-17). The letter states whether you reported the problems on the spot. In French, to send by registered post with proof of receipt after your return.