What are the right reflexes to adopt during the life of the insurance contract?

What are the right reflexes to adopt during the life of the insurance contract?

As soon as you have a question concerning your insurance contract, the first instinct should be to consult your contract and, if applicable, the expiry notices, bulletins / information statements, claim follow-up letters, notice of termination sent or given by the insurance professional.

Be careful not to confuse your contractual documents with addressed advertising documents (commercial offers for new contracts, sponsorship, games, etc.).

If in doubt, do not waste time, contact your usual contact person.

Examples of common questions:

    What is the procedure for declaring a claim?
    Can I recover the amounts paid?
    Do I have the right to terminate my contract and if so how?
    Can my insurer unilaterally terminate my contract, increase my contributions?

Note: in the event of difficulties, you can make a complaint to the insurance organization that guarantees the contract or to the intermediary who marketed it. The procedure to be followed, the contact details of the service in charge of handling complaints and those of the competent consumer ombudsman are indicated in the contractual documents and on the insurer's website.
 

To know more :
What obligations is a professional who offers an insurance contract subject to?
When can I cancel my insurance contract?
Make a complaint to a professional

 
What are the consequences of not paying an insurance premium?

You must ensure that you pay your insurance contributions (or premiums) under the conditions provided for in the contract. This information is recalled in the due date notices sent to you.

In practice, the premium can be paid directly to the insurer or to a person appointed by the insurer to collect the premiums (general agent, management delegate, etc.).

In the event of non-payment of the insurance premium within 10 days of its due date:

    the insurer may terminate the contract at the end of a period of 40 days after sending a formal notice to pay the contributions.
    in certain cases, the guarantee may be suspended 30 days after the formal notice to pay. Thus, if a claim occurs during this period of suspension, you cannot be compensated, even if you rectify the situation later.

Warning :

   ○ Even if the contract is terminated for non-payment, unpaid contributions remain due.

   ○ Charges may be added to the amount of contributions due.
 

To know more :
What are the right reflexes to adopt during the life of the insurance contract?
I would like to use my insurance contract, within what time frame must I declare my claim?

 
Can my insurer refuse to guarantee me while I pay my premiums?

The insurance organization may refuse to cover you in the following cases:

    the warranty conditions are not met.

For example :
- necessity of a break-in theft to bring into play the "theft" guarantee of a comprehensive home contract.
- need to be compensated by the compulsory health insurance scheme to bring into play the "incapacity for work" guarantee of a provident insurance contract.

    disclaimer of warranty applies.

For example :
- exclusion of damage to the insured vehicle when it is used on a speed circuit.
- exclusion of disability resulting from the practice of bungee jumping in a provident contract.

To note :
The exclusion clauses provided for in an insurance contract may be common to all guarantees or specific to some of them. They must be written in very visible characters (eg bold characters).

It is essential to carefully read your insurance contract in order to have a clear vision of your scope of coverage. Do not hesitate to ask the professional for explanations in the event of a refusal to take charge of a claim.
 

To know more :
Waiting period, franchise or franchise period, coverage limit: definitions
How long does my insurer have to compensate me for a loss?

 
I would like to use my insurance contract, within what time frame must I declare my claim?

In the event of a claim, the insured must inform his insurer as soon as he becomes aware of it, at the latest within the period provided for in the contract.

Policyholders generally have at least 5 working days to report a claim to their insurer.

Please note: the law provides for certain types of disaster reduced minimum periods: 2 working days in the event of theft, 4 days in the event of damage due to hail, etc.

The time limit for reporting a claim runs from the date of knowledge of the claim by the insured.