Notice & Demand: 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 notifying your own insurer of an accident, theft, fire, broken glass, vandalism or a weather event affecting your vehicle in France. The policy sets the time limit and how to notify, often online or by phone at no cost; the law does not allow less than five working days, or two for theft (article L. 113-2 of the French Insurance Code). The letter gives the policy, the facts, the damage, the other people involved and the enclosures. Sent by registered post with proof of receipt. In French.

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.