Consumer: templates and forms

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.

For a buyer in France of a new or second-hand item, from a business or a private seller, who discovers after the sale a serious defect that was not visible: a used car, an appliance, furniture. You rely on the guarantee against hidden defects (Article 1641 onwards of the French Civil Code) and choose between a refund against return of the item and a price reduction. Court action must be brought within two years of discovering the defect. In French, to send by registered post with proof of receipt.

For a borrower in France who accepted a consumer credit offer (personal loan, car loan, revolving credit, credit linked to a purchase) and has changed their mind. You withdraw within fourteen full calendar days of accepting the offer, without giving reasons (Article L. 312-19 of the French Consumer Code); the period is shorter, at least three days, if you asked for immediate delivery of goods bought on credit. The detachable form attached to the offer is enough and free; this letter does the same with your references and deals with repaying any funds already paid out. In French, to send by registered post with proof of receipt before the period ends.