How to terminate school insurance offered by the school?
Contracts without tacit renewal
Generally, the insurance contracts offered by schools are fixed -term contracts of a year. They take effect at the start of the school year and stop with the school year on the eve of the summer holidays for the simple formula and at the end of these for the extracurricular formula. These subscribed contracts are without tacit renewal.
No termination formality
These are actually Group contracts subscribed by an association of parents of students or by a private school to which parents adhere for the coming school year. If you have joined such a contract, there is no termination approach: the contract will automatically end on the date specified in the contract, depending on the formula subscribed.
How to terminate a school insurance contract offered by an insurer (MAAF, MMA, AXA, etc.)?
Check the terms of the contract
Proposed by your insurance broker, your insurance agency or your bank agency, you should refer to your contract to find out the duration of the contract. You will then know if it is as above a contract without tacit renewal, which ends itself, or if it is a Contract to tacit renewalrenewed from year to year.
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In the second case, to terminate it, you must show your intention to end it by a registered letter of termination addressed in compliance with the notice appearing in the general conditions of the contract. Note that it is the insurer who provides parents with the school insurance certificate.
How to terminate school insurance taken with a multi -risk home?
A child covered by RC
Perhaps you opted for the coverage of your children by the Civil liability of your home contract (MRH) and subscribes in this same contract to the “individual children” guarantee to protect them in the event of an accident. If you have subscribed to your school insurance remotely (by internet, telephone, etc.), you have a period of 14 days to call on your right of withdrawal.
Termination of the whole multi -risk home
In this case, the termination of school insurance thus composed can only take place by termination of the MRH contract subscribed with tacit renewal. He is terminated annually at maturitywith respect for the notice provided for in the contract or within the framework of the Chatel and Hamon laws, recalled to the general conditions.
How to terminate school insurance subscribed as part of a guaranteed life accident contract?
Guarantee of life accidents
In addition to the civil liability covered by your multi -risk home, you have decided to guarantee your children in the event of an accident as part of your GAV contract which covers the whole family. Your children are thus covered all year round for the risk of privacy accident, therefore including their school life.
Annual maturity termination
This guarantee is granted within the framework of a Contract to tacit renewal and terminable annually at maturity under the conditions provided for in the general conditions. The insurer has the obligation to inform you of the possibility of terminating the contract at maturity, in accordance with the Chatel law.
Can we terminate school insurance at any time?
Termination of the annual maturity
School insurance is subscribed for a period of one year, with tacit renewal. You can terminate your contract at the annual maturity, respecting notice (Article L113-12 of the Insurance Code). This termination must be carried out by registered letter with acknowledgment of receipt (or in hand specific to the address of the registered office of your insurer).
Legitimate termination
It is possible to terminate your school insurance outside the annual due date in the event of change of situation. In these cases, termination is possible without delay the due date, but you must provide proof and comply with a notice period. Termination fees may be requested.
Termination according to Hamon law
The Hamon law makes it possible to terminate certain types of insurance contracts at any time after the first year, but it does not apply to school insuranceunless the latter was contracted as part of home insurance. Otherwise, the termination is limited to the annual maturity or to particular cases.
School insurance termination and Chatel law
This law requires the insurer to inform the insured of the possibility of terminating the contract at maturity. School insurance is part of the contracts concerned by chatel law. The insurer must inform you in writing of the possibility of terminating the contract at the annual maturity.
What is the deadline for terminating school insurance?
In the event of termination with the due date
School insurance is often taken out for a period of one year with tacit renewal, termination must be carried out before the annual maturity date. To do this, a notice of two month is generally required, from the date on the postmark. Otherwise, your contract will be automatically renewed.
In the event of termination during the year
In this case, the termination can be requested at any time of the year. However, a notice of a month It is most often required, and termination fees can be applied according to the specific conditions of your contract.
In the event of termination with the Chatel law
The deadline must be sent between three month and 15 days Before the termination deadline. If this notice comes down to you less than 15 days before the deadline, you have an additional 20 -day period to send your termination request. This allows you to terminate your contract even if the insurer failed to send you the opinion on time.
What are the conditions for terminating school insurance outside maturity?
Family change of situation
Five main reasons make it possible to terminate school insurance outside the deadline for the contract. First, a significant change in family situation can justify the termination of school insurance. Among the accepted patterns are:
- A change in matrimonial diet :: Divorce, separation, marriage, etc.
- A change in professional situation :: Modification of your professional activity or cessation of activity, end of career.
- A death.
Change of school
If your child changes school and the latter offers school insuranceyou can terminate your current contract. This can happen if the school includes school insurance coverage in its tuition fees or if it offers you a more advantageous option. The child’s schooling is also a legitimate reason for termination.
Moving
In the event of a move to another region or abroad, this may justify the termination. In this case, you will need to inform your insurer of your change of residence and it Provide a supporting documentsuch as a moving invoice or a rental contract, while respecting termination notice.
Subscription of another insurance
If you take out a new school insurance covering the same risks, you can request the termination of the current contract. This can happen if you find a blanket more suitable or more advantageous On the market, whether for reasons of cost or guarantees offered.
Increase in contributions without modifying guarantees
If your insurer increases contributions without offering new guarantees Or improvements, this can be considered as a legitimate reason for termination. You must inform your insurer within three months following the notification of the increase and provide proof.
How to write a letter of termination of an insurance contract?
Here are three models of termination letter according to the way in which school insurance has been taken out.
Example of letter type of termination of school insurance at maturity
Subject: Termination of school insurance – contract No. (contract number)
Madam, Sir,
By this, I inform you of my decision to terminate the school insurance contract N ° (contract number), subscribed to your company for my child (first name and name of the child).
In accordance with legal provisions, I hope that this termination will take effect at the annual maturity, that is to say (due date). Please send me a written confirmation of the termination as well as an information statement.
Thank you in advance for taking my request into account and begs you to accept, madam, sir, the expression of my distinguished greetings.
(Signature)
Mail type of termination of school insurance for other reasons for termination
Subject: Termination of school insurance – contract No. (contract number)
Madam, Sir,
I inform you by this decision to terminate the school insurance contract No. (contract number), subscribed for my child (first name and surname of the child), for the following reason (choose from the following reasons):
- Change in my personal situation (specify the change).
- Change under the conditions of my contract (specify the change: modification of the guarantees, increase in the price, etc.).
- Termination by your services from another contract subscribed to my name (indicate the contract number terminated by the insurer).
In accordance with the legal provisions, I thank you for putting an end to this contract from the (desired date of termination). Thank you for sending me a letter in return a termination certificate as well as an information statement.
Pending your return, please accept, madam, sir, the expression of my distinguished greetings.
(Signature)
Example type of letter of termination of family protection insurance and school insurance
Subject: Request for termination of family protection insurance and school insurance
Madam, Sir,
I send you by this my request to terminate the following insurance contracts:
- Family protection insurance contract: (contract number)
- School insurance contract: (contract number)
Under the provisions of the general conditions of these contracts, I inform you of my desire to terminate these insurances, from the (desired date of termination). The reasons for this termination are as follows:
- For family protection insurance: (specify the reason)
- For school insurance: (specify the reason)
Please take this request into account and send me a written confirmation of the termination of these contracts as soon as possible. I remain at your disposal for any additional information or any necessary document required.
Pending your confirmation, please receive, madam, sir, the expression of my distinguished greetings.
(Your signature)
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