- Price
- from €11.95incl. VAT, 2 pages included
- Delivery time
- 2 to 3 business daysusually, after handover to the post
- Proof
- Recipient's signature+ tracking and proof of posting
- Handed to the post
- Upload by 12:00Central European Time on a business day, posted the same day
- Counts as
- Domestic registered mailprinted and posted in France
Do you need a registered letter to cancel?
No. You can cancel by letter or any other durable medium such as an email, at the agency, the same way you signed up at a distance, or in three clicks if the policy can be taken out online.
Registered mail helps when the date matters: close to a renewal date, or when the insurer says nothing arrived. A plain lettre recommandée is enough and can be sent from anywhere. With an address in France, the LRAR adds the signed avis de réception.
| Lettre recommandée | LRAR (with avis de réception) | |
|---|---|---|
| What you get | Tracking, proof of posting and delivery against the recipient's signature | The same, plus the avis de réception: a card signed and dated by the recipient |
| Recipient signs | Yes | Yes |
| Handed to the post | Same working day if uploaded by 12:00 Central European time | Next working day at the latest |
| Delivery time | 2 to 3 business days | 2 to 3 business days |
| Who can send it | Any sender, wherever you live | Senders with an address in France |
| Good for | Cancellations, formal notices, claims, resignations | Letters where French law asks for LRAR, such as a tenant's notice |
| Price | €11.95 | €13.95 |
When can you cancel, and when does the policy end?
| Policy | When | Takes effect |
|---|---|---|
| Car, home (main or second home), gadget and travel cover | At any time after one year (loi Hamon) | 1 month after receipt |
| Top-up health cover (mutuelle) | At any time after one year | 1 month after receipt |
| Any policy that renews every year | Before renewal, by the date on the renewal notice (loi Chatel) | On the renewal date |
| Renewal notice sent late or never | 20 days after it was sent, or at any time if it never came | The day after your letter is sent |
| Mortgage insurance | At any time (loi Lemoine), with equivalent cover | Once the bank accepts |
How do you send it, step by step?
- Write the cancellationPolicy number, reason and the end date you want.
- Upload the PDFPut the recipient's address in the window area.
- We print it in FranceLa Poste delivers it against a signature.
- Keep the proofThe tracking number and proof PDF date the posting and the delivery.
Sample cancellation letter in French
Keep the sentence that fits: loi Hamon after one year, or the annual renewal date.
[Prénom Nom]
[Adresse]
N° de contrat : [numéro]
[Nom et adresse de l'assureur, service résiliation]
[Ville], le [date]
Objet : résiliation du contrat n° [numéro]
Madame, Monsieur,
Je vous demande de résilier mon contrat [assurance habitation / assurance auto / complémentaire santé] n° [numéro], souscrit le [date], pour [le logement situé … / le véhicule immatriculé …].
[Le contrat a plus d'un an : la résiliation prend effet un mois après la réception de cette lettre.]
[ou : Je résilie pour l'échéance du [date].]
Merci de me confirmer la résiliation par écrit et de me rembourser la part de prime de la période non couverte sur le compte [IBAN].
Veuillez agréer, Madame, Monsieur, mes salutations distinguées.
[Signature]
What to check before you send
- For car insurance and a tenant's home insurance, the new insurer cancels the old policy for you. As an owner, or for a second home, you write yourself.
Frequently asked questions
Do I need a registered letter to cancel French insurance?
No. A letter, an email, a visit to the agency or online cancellation will do. Registered mail proves the date of receipt.
What is the loi Hamon?
After one year, car, home and gadget policies can be cancelled at any time at no cost. The policy ends one month after the insurer receives your request.
What is the loi Chatel?
The renewal notice states the last day to cancel. If it arrives less than fifteen days before, you have twenty days from when it was sent. If it never comes, you can cancel at any time after renewal.
Can I cancel insurance for my French holiday home from abroad?
Yes. After the first year you can cancel at any time. Upload the letter from abroad; we print it in France and La Poste delivers it against a signature.
Does the insurer have to confirm?
Yes, in writing. Keep that confirmation with your proof of posting.
Does the registered letter prove what was in the envelope?
No. La Poste proves the posting and the delivery, not the text. Keep the PDF you sent: your proof of posting identifies that exact file.