You cancel your multi-risk home contract before it expires
If you move, you can terminate your comprehensive home contract before it expires. But your new situation must modify the risk previously covered by the insurer, and therefore the contribution conditions. Your insurance company must reimburse you for the portion of the premium that goes beyond the date of termination of your contract.
Your request for termination must be made, by registered letter with acknowledgment of receipt, within three months of the change in your situation; it will take effect one month after its receipt by the insurer. Article L. 113-16 of the Insurance Code provides for cases other than the change of domicile to authorize termination during the contract. This is the case when there is a change in your marital status or a change in profession; provided, however, that these changes have an impact on the risk previously guaranteed, and therefore on the guarantee conditions.
recommended letter with receipt note
Dear,
From (date), I will no longer occupy the apartment insured with your company under the contract number (reference). Indeed, (indicate your new situation and explain as precisely as possible how this change will modify your previous situation).
I therefore wish to terminate my comprehensive home insurance policy taken out with your company, in accordance with Article L. 113-16 of the Insurance Code.
Thank you in advance for sending me as soon as possible the amount of the contribution corresponding to the period during which the guarantee will no longer be applied, as well as a termination rider.
Please accept, Madam, Sir, the expression of my best regards.
(Signature) 26
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