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How to cancel the insurance of a car that no longer drives ?

French law stipulates that all land vehicles must be insured. Whether it rolls or sleeps in the garage for various reasons: insurance is required. The breakdown or immobilization of a vehicle is not always a good reason for termination for insurance companies. So, in what is it possible to terminate a car insurance contract? When and how to cancel the insurance of a car without traveling? What are the administrative procedures to follow?

When is it possible to cancel auto insurance?

Canceling car insurance cannot be done at any time: this requires a valid reason. Indeed, according to the Châtel law, it is possible to request the termination of an auto contract if, after one year, the insurer has not yet sent a tacit renewal of the contract. In this case, it is possible to undertake the termination procedures.

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When the vehicle no longer drives

Article L 211-1 of the Insurance Code requires all owners of land motor vehicles, even when immobilized, to take out insurance, more details here. Even in the garage, the car can pose a risk to others. Thus, non-rolling vehicle insurance is required. This compulsory minimum insurance, known as “third party” insurance covers civil liability in the event of an accident and covers consumers for:

  • Flights
  • Fires
  • Damage caused by natural disaster
  • Third party incidents
  • The insured has 20 days to terminate the auto insurance contract, you must send a registered letter with acknowledgment of receipt to the insurance establishment concerned. There are auto insurance termination letter templates online that facilitate the termination process.

When the car was sold

Following the sale of a vehicle, the insurance contract is suspended at midnight on the first evening of the sale. It is possible to terminate it permanently within 10 days. But, first, you must report the sale of the vehicle and make a request for termination to the insurer. Thus, the letter containing the declaration of sale of the vehicle must contain the information of the insured (contact details, insurance contract number) and of the transferred vehicle (make of the vehicle, registration number and date of sale). In this way, the insured will be able to obtain reimbursement of his contribution advances. All these parts must be sent by registered mail.

Terminate your insurance contract

Any owner of a vehicle has the right to terminate an insurance contract by registered mail. But to terminate it, you must wait at least the first anniversary of the contract. After this date, you can terminate your car insurance contract with complete peace of mind. To find out all the details of the procedure for terminating a car contract, please follow the instructions on the Résiliations.fr website.

Terminate an auto insurance contract online

Terminating an auto insurance contract online is a significant time saver. And for that, nothing could be simpler! There is an online termination service that offers customizable termination letter templates, fill it out and send it in RAR format to your auto insurer. You have nothing to write: no writing skills for administrative mail are required. You just have to fill the form which will generate your letter of termination in all peace.

How to send the registered letter online?

Once the form is completed, double check your information. After verification, you can send your termination letter in the recommended format. Dematerialization allows you to manage everything remotely. So you no longer have to travel. After having followed all these steps, you can pay via a secure platform in order to terminate your car contract. Is the purchase validated? Go to your mailbox to follow the sending of your letter through a link that will have been sent to you.

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