The Châtel law allows you to prevent the automatic renewal of your insurance contract.


How does it work? By requiring your insurer to inform you, within a certain time limit, of the forthcoming renewal of your contract and of your right to cancel it before it is renewed. 


Article 136-1 of the Châtel law stipulates: 

"The trader [...] shall inform the consumer in writing, at the earliest three months and at the latest one month before the end of the period authorising the rejection of the renewal, of the possibility of not renewing the contract which he has concluded with a tacit renewal clause [...]. »


What happens if the insurer does not comply with this obligation? 


  • If your insurer does not respect this deadline and sends you your notice less than 15 days before the cancellation deadline but before the anniversary date of your contract, you have 20 days to cancel your contract. 

  • If your insurer sends you your notice of maturity after your contract anniversary date or fails to send it to you at all, you can cancel your contract at any time.