Modification of the insurance contract for motor vehicles or motorcycles

Verified 13 June 2024 - Directorate for Legal and Administrative Information (Prime Minister)

Do you use your vehicle less often and want to get a discount? You can request a change to the contract. The insurer may also request a modification of the contract in certain cases. We present the applicable rules.

At your initiative

You can request a reduction in the insurance contribution when there is reduced insured risk.

For example, if you insured your vehicle for a professional use and you're retiring.

You can use the following letter template:

Terminate your current insurance contract

Indeed, the law provides that you are entitled to a reduction in the amount of the insurance contribution in case of a reduction in the risk during the contract.

The insurer may accept or reject your change request.

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Insurer accepts change

If the insurer accepts your claim, it will send you a agreeable to the contract containing the new tariff. You'll have to sign the rider.

Insurer rejects change

If the insurer refuses to lower the premium as a result of the risk reduction, you have the option to terminate the contract.

Termination will take effect 30 days after your termination request is sent.

The insurer will be required to repay the contribution corresponding to the period after termination.

FYI  

If the insurer does not respond to your request within 10 days, its silence is deemed acceptance.

At the initiative of the insurer

In case of increased risk, your insurer may ask for an increase in the contribution or the termination of the contract.

The insurer may also impose an increase in the premium on you when required to do so by new legislation.

You have an obligation to report to the insurer new circumstances that have the effect of aggravating the insured risk or creating new risks.

You must make this declaration by registered letter or by electronic registered mail within 15 days of becoming aware of it.

You can use the following letter template:

Report a risk change to its insurer

Following this mandatory reporting, the insurer must report to you if it wants to terminate the contract or whether he wants to maintain it with or without an increase in the contribution.

You must respond to the insurer's letter within 30 days.

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Maintenance of the contract with an increase in contribution

You can accept or reject the insurer's proposal.

You accept the insurer's proposal

The insurer must send you a agreeable with the new terms of the contract (increase in contribution) and you must sign it for the contract to be amended.

You refuse the insurer's proposal

The insurer may terminate the contract after the expiry of the 30-day period, provided that he has informed you of this possibility by writing it in visible characters in his proposal.

Maintenance of the contract without premium increase

The insurer must send you a agreeable with the new contract terms (increased risk coverage). You must sign it for the contract to be changed.

Termination of contract

The insurer must notify its decision to terminate the contract.

Termination takes effect 10 days after notification.

The insurer must reimburse you for the portion of the contribution already paid that corresponds to the post-termination period.

FYI  

If the insurer does not respond to your request within 10 days, its silence is deemed acceptance.

Public authorities may decide to require all insured persons to insure themselves against certain risks and, at the same time, to require all insurers to cover those risks.

In this case, the insurer has the right to impose an amendment to the contract that adds a new mandatory guarantee and increases the contribution.

The insurer must send you a agreeable with the new terms of the contract.

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