Automobile

Renewing and cancelling

Don't remember when your car insurance policy matures? Not to worry. Your insurer is obliged by law to remind you.

Your policy is automatically renewed

Your insurer is required to send you a notice of renewal 30 days prior to the policy maturity date. If you do business with a broker, then it's your broker who sends you the insurer's renewal notice. If you don't reply, your car insurance policy is automatically renewed.

Your insurer may also decide not to renew your insurance policy. If that's the case, you'll receive a notice of non-renewal. Why? Perhaps you haven't paid your premium. Or you've made a high number of claims.

To renew or not?

You may decide not to renew your policy or to switch insurance companies. That's your right. If that's the case, you should let your agent or broker know.

Renewing is a good time to review your premium. If you find a lower premium, make sure the two policies are identical. A lower premium could mean less coverage.

Do you have to declare all your accidents?

Yes, you must let your agent or broker know about any accidents you've had. You may not have made a claim, but the other driver may have. In this case, the loss will also be registered in your file at the Fichier central des sinistres automobiles. Make sure that your version of the facts is on record by reporting any accident in which you've been involved.

Reassessing your needs

Take the time to assess your insurance needs when you renew your policy. Does your son or daughter want to drive your car? Do you still use your car for work? Do you still want full coverage for a 10-year old vehicle?

Ask yourself the right questions to make sure you've got the coverage you need and an advantageous premium.
Questionnaire – Renewal of an automobile insurance policy

Looking to
save money by
not telling your
insurer everything?

Looking to save money by not telling your insurer everything?

By choosing to hide information from your insurer, your run the risk of not being indemnified should you have an accident, or of just being partially indemnified.

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