lundi 31 décembre 2012

Change contract car insurance


To change your auto insurance? It is possible, but there are some rules to follow.
Change car insurance: general rules
Some elements of your auto insurance policy can be changed.

You can change your car insurance in different cases:
Change of situation: family, profession, moving...
Aggravation or decrease the risk covered by your insurer.
For this change to auto insurance, you must make a written request to your insurer and send it by registered mail with acknowledgment of receipt (not to mention the supporting documents), or simply visit the agency in person insurance:
Within 3 months of your change in circumstances, whether this represents a decrease in the risk covered.
Within 15 days of your change in circumstances, whether this represents an increased risk covered.
No response from your insurer after 10 days, you can assume that your application has been accepted.
Good to know: your insurer may propose an amendment to your contract, but you cannot impose it. If you refuse, he must keep the terms of the contract as is. However, if you do not answer it within 30 days, it may terminate the contract.
In case of dispute: possible termination by the insured and the insurer
In case of lower risk:
The insured may request the termination of his contract if the insurer refuses to reduce the contribution:
Termination shall take effect one month after receipt of the letter of request of the insured.
In case of increased risk, the insured may:
Either terminates the contract;
Is proposing an increase in the annual fee (validated by an addendum or by signing a new contract).

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