Hamon Law: Cancel Your Insurance Anytime in France
The Hamon Law (Consumer Law of March 17, 2014) allows you to cancel your car, motorcycle, home, or loan insurance at any time after one year of contract, without fees and without justification. This guide explains how to benefit from it easily.
What the Hamon Law Allows
- Cancellation without fees
- Cancellation without justification
- Applicable after 1 year of contract
- Refund of unused premiums pro-rata
Table of Contents
1. Hamon Law Overview
Law n°2014-344 of March 17, 2014, called the Hamon Law or Consumer Law, was adopted to strengthen consumer rights. For insurance, it introduces simplified cancellation rights.
Before this law, policyholders had to wait for their contract's annual term and give 2 months' notice to cancel. Now, after the first year, they can leave at any time.
2. Insurances Covered by the Hamon Law
Car Insurance
Third-party liability and comprehensive
Mandatory for all motor vehicles
Home Insurance
Multi-risk home insurance for tenants
Mandatory for tenants
Motorcycle Insurance
Two-wheeler and scooter insurance
Mandatory to drive
Loan Insurance
Mortgage insurance
Can be changed annually
NOT Covered Insurances
The Hamon Law does not apply to: health insurance (mutuelles), life insurance, death insurance, supplementary pension plans. These contracts have different cancellation rules.
3. Cancellation Procedure
Verify you have over one year of contract
The Hamon Law applies after the first year of commitment
Compare and choose a new insurer
Find a better or more suitable offer
Subscribe with the new insurer
Your new insurer handles canceling the old contract
Cancellation effective within 1 month
You're covered without interruption by your new insurance
Did You Know?
Your new insurer handles all cancellation procedures. You don't need to contact your old insurer. Just subscribe to your new contract.
4. Consumer Benefits
More Competition
Insurers are incentivized to offer better rates to retain customers.
Freedom of Choice
You can switch insurance whenever a better offer comes along.
Savings
By comparing regularly, you can achieve significant savings.
Simplicity
No need to track deadlines or send registered mail.
5. Frequently Asked Questions
What is the Hamon Law?
Which insurances are covered?
How do I cancel under the Hamon Law?
Are there cancellation fees?
Can I cancel before one year?
Official Sources
Written by Comparatif24.fr Team
Last updated: February 10, 2026