In France, the Loi Hamon allows consumers to switch insurance providers more easily. After the first year of a contract, the law permits policyholders to cancel their car or home insurance at any time without a penalty. The new insurer can also handle the cancellation process on behalf of the customer, ensuring a seamless transition and avoiding any lapse in cover.

Changing insurers before Loi Hamon

Before the law came into effect, insurance companies generally locked policyholders into one-year contracts, allowed them to cancel only at the annual renewal date – often requiring strict notice periods. This all changed with the new legislation. Now, you can cancel your home or car insurance policy at any time providing you have held it for at least one year. So, now you don’t need to send a registered letter to your existing insurance company cancelling a policy or run the risk of being uninsured through a missed deadline. AXA Marthon can do this for you.

Switching insurers in three easy steps

Switching your insurance to AXA Marthon is a straightforward process.

1. Choosing your insurance policy

The first step is to get a quote and policy that is right for you, for example, insurance for the home, car, classic vehicles, motorhomes or motorbikes. Our English-speaking advisers can explain the options and discuss the details with you.

2. Provide your information

Once you’ve chosen your new policy, all you need to provide us with are a few key details about your old insurance contract. This typically includes:

§  Your previous insurer’s name

§  Your policy number (numéro de contrat)

§  The start date of your current policy (date de souscription)

3. Let AXA Marthon handle the transition for you

That’s where the magic of the Loi Hamon comes in…. once we have all of the necessary information from you, we can manage the rest. We will draft and send the official cancellation request to your old insurer via registered post. This ensures a seamless transition with no lapse in cover. After your old insurer receives the cancellation request, they will officially terminate your policy in 30 days and refund any overpaid premiums to you on a pro-rata basis.

It’s not only about car and home insurance…

Since 2020 you can now cancel your mutuelle (Top-Up health insurance) at any time after the first year. AXA Top-Up health insurance covers the cost of healthcare and treatments, putting your mind at rest and providing financial security.

Why AXA Marthon?

AXA offers comprehensive policy options, competitive premiums and local expertise. Our English-speaking team can guide you at every step of the process.

Insurance France is the trading name of AXA Marthon. We are an English and French speaking AXA agency, taking care of your insurance so you can enjoy your life in France.

To find out more please contact us below for a free, no-obligation quotation:

Phone: +33 (0)5 45 70 43 76

Email: agence.florentmorin@axa.fr

Website: insurancefrance.fr