Cancelling car insurance in France depends on your situation: after the first year (Loi Hamon), at annual renewal (Loi Chatel), or following a vehicle sale. Here is what you need to know in 2026.
Loi Hamon: Cancel Anytime After Year 1
After the first year, you can cancel your car insurance at any time without fees by sending a registered letter. The policy ends 1 month after receipt. Your new insurer can handle the cancellation formalities on your behalf.
Vehicle Sale: Immediate Cancellation
Selling your vehicle is grounds for immediate cancellation. The policy is suspended upon sale and cancelled 10 days after notifying your insurer. Include a copy of the sale certificate with your letter.
Key Points
- Loi Hamon: cancel anytime after 1 year, 1 month notice
- Loi Chatel: cancel if insurer fails to notify renewal deadline
- Vehicle sale: immediate cancellation, attach sale certificate
- Request refund of unused premium in your letter
Write your car insurance cancellation letter in 30 seconds
Generate my insurance cancellation letter