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Insurance Cancellation Letter Generator (France)

This generator produces a cancellation letter, written in French, for car, motorcycle or home insurance contracts in France.

  • The Hamon law
  • The Chatel law
  • Annual renewal with two months' notice

Fill in the form to get a cancellation letter you can copy or download. Three reasons are offered for car, motorcycle and home insurance contracts: the Hamon law, the Chatel law and annual renewal with two months' notice. Each letter cites the article of the French Insurance Code it relies on. The letter is written in French because it is addressed to a French insurer.

No data is sent or stored: the text is generated in your browser. The letter is written in French because it is addressed to a French insurer.

All fields are required unless marked (optional).

Contract type
Reason for cancelling

Street number and name, postal code and city.

Cancellation address shown in your contract or on your renewal notice.

Which articles of the Insurance Code does the letter rely on?

The letter generator relies on four articles of the French Insurance Code (Code des assurances), each linked below to Légifrance. They were consulted on Légifrance on 6 October 2026. Légifrance publishes the official French text.

  • Article L113-12 of the Insurance Code: annual cancellation with notice

    The policyholder and the insurer may cancel the contract every year after a first year of application. Cancellation must be notified at least two months before the contract anniversary date.

    Consulted on 6 October 2026 at legifrance.gouv.fr

  • Article L113-15-1 of the Insurance Code: Chatel law

    For contracts held by individuals outside any professional activity, the insurer must restate the cancellation deadline with each annual renewal notice. If the notice arrives too late (less than 15 days before the deadline, or after it), the policyholder has twenty days following the date the notice was sent to cancel.

    Consulted on 6 October 2026 at legifrance.gouv.fr

  • Article L113-15-2 of the Insurance Code: Hamon law

    Consumers (individuals outside any professional activity) may cancel car, motorcycle or home insurance free of charge after one full year of cover. Cancellation takes effect one month after the insurer receives the written notification. The policyholder only pays the portion of premium for the period covered.

    Consulted on 6 October 2026 at legifrance.gouv.fr

  • Article L113-14 of the Insurance Code: how to cancel

    Notice of cancellation may be given by letter or any other durable medium, by declaration at the insurer’s head office or to its representative, or by extrajudicial act. The recipient confirms receipt of the notice in writing.

    Consulted on 6 October 2026 at legifrance.gouv.fr

What should you check before sending the letter?

  • Read the letter and check it against your contract terms, in particular the anniversary date and the cancellation address.
  • The Hamon and Chatel reasons apply to individuals acting outside any professional activity.
  • Article L113-14 provides that notice may be given by letter or any other durable medium, and that the recipient confirms receipt in writing.
  • This generator provides a template letter for information only. It is not legal advice.

Related guides: car insurance in France and home insurance in France.