Cancellation of motorcycle insurance: when and how?
Want to change your insurer because you've found a better deal elsewhere? V termination of motorcycle insurance quite possibly even outside the deadline. But provided that you follow certain rules, and also put forward the correct motive. When to terminate the motorcycle insurance contract? What are the good reasons for canceling motorcycle insurance before it expires? Is it possible to terminate the insurance contract after its expiration date? Find out everything you need to know about terminating motorcycle insurance.
Cancellation of motorcycle insurance: when?
You can cancel your motorcycle insurance at any time. Of course, you can cancel the renewal after the expiration date, but it is also possible to do this before or after it, provided that your reasons are valid.
Cancellation of motorcycle insurance after expiration
Unless otherwise specified in the contract, the motorcycle insurance contract usually lasts one year. And is tacit renewable... In other words, upon its expiration, when you have not expressed your desire to terminate, although it was still possible, the agreement is automatically renewed.
If you wish to terminate your insurance as a result, you must notify it well in advance of the anniversary of your contract. Look in your contract, because your insurer usually indicates how long you must notify the insurer of your desire to terminate the contract. As a rule, the letter of termination of the contract must be sent by registered mail. 2 months to maturity to be reviewed and effective on that day.
Termination of motorcycle insurance upon expiry (Châtel law)
Have you missed the deadline for sending the letter of termination of the contract? Didn't you realize that the contract is already coming to an end? Do not panic ! The Châtel law allows you to terminate an insurance contract, provided that you can prove that you have lack of transparency on the part of the insurer... This usually happens when:
- The deadline was sent after the deadline. Thus, you did not have the time or opportunity to terminate in due course.
- An expiration notice was sent, but did not specify that you have the right to terminate the contract if you wish.
- The due notice was sent late, that is, just a few days before the due date. Thus, you were unable to send the termination letter in time.
Termination before the expiration of the contract
From 1 January 2015, you can request termination of your motorcycle insurance contract at any time, as soon as he is over a year old... In other words, if you signed up for more than a year, you can cancel the silent renewal and not wait for the next cancellation deadline. The Hamon Act gives you the right to terminate your two-wheeler insurance after the first 12 months.
Generally, if you terminate the contract because of a new insurance contract, your insurer will take care of the termination for you.
Other reasons for canceling two-wheeled vehicle insurance
You can also request cancellation of your motorcycle insurance after it expires, and well up to the required 12 months if you can no longer use the coverage because:
- Your personal or professional situation has changed (Relocation)
- Your premium was increased without changing the fine.
- Your insurance premium has not decreased even though you received a bonus.
- You have sold, given away, or abandoned your motorcycle.
- You have lost your motorcycle.
How do I cancel my motorcycle insurance?
In order to terminate your motorcycle insurance contract, you generally have to notify your insurer by means of a termination letter, which you must send by certified mail. If you do not know what the form or content of this letter is, do not let go of it. You will find hundreds, if not thousands two-wheeled internet insurance termination letter templates... And don't forget that if you terminate the contract using the Jamon Law, you can trust your new insurer to terminate the contract.
