Hamon Law: How to Cancel Your Insurance in 5 Minutes

Cancel Insurance Easily with the Hamon Law

The Hamon Law (Loi Hamon) allows you to cancel certain insurance contracts after one year, at any time, with no penalties. Here's how to do it quickly. For more guidance on insurance in France, explore our complete guides.

What the Hamon Law Covers

#### Eligible Insurance Types

Car insurance (mandatory)
Motorcycle insurance
Home insurance (owner or tenant)
Add-on insurance (phones, appliances)
Credit insurance (under certain conditions)

#### Not Covered

Health insurance (governed by different rules)
Life insurance
Professional insurance
Travel insurance (short-term)

Requirements

To use the Hamon Law:

Contract must be at least 1 year old
You're switching to new coverage (for mandatory insurance)
Simply canceling non-mandatory coverage

The Simple Process

#### Step 1: Find a New Insurer (2 minutes)

For mandatory insurance:

Compare offers online
Get a quote from new insurer
Choose your new coverage

#### Step 2: Sign Up with New Insurer (3 minutes)

Complete application
Provide vehicle/property details
Confirm start date

#### Step 3: New Insurer Handles Cancellation

This is the key advantage:

Your new insurer sends the cancellation letter
No overlap in coverage
Seamless transition

What Your New Insurer Needs

Your current policy number
Current insurer name
Your authorization to cancel
Desired switch date

Timeline

Event	Timing
Sign with new insurer	Day 1
New insurer notifies old	Within days
Old policy ends	1 month from notification
New policy starts	Same day old ends
Final billing from old	Prorated, refund if overpaid

Cancellation Without Switching

For non-mandatory insurance, you can simply cancel:

Send registered letter (recommended)
Or use online cancellation tools
1-month notice applies
No justification needed

Sample Cancellation Letter

If sending yourself (non-mandatory insurance):

Subject: Cancellation of Insurance Contract - Hamon Law

Dear Sir/Madam,

I hereby request the cancellation of my insurance contract [number] under the provisions of the Hamon Law (Article L.113-15-2 of the Insurance Code).

This cancellation to take effect one month from your receipt of this letter.

Please confirm the cancellation date and arrange any applicable refund.

Sincerely,

[Your name and signature]

Cost Savings

Potential savings when switching:

Car insurance: €100-300/year
Home insurance: €50-150/year
Bundle discounts: Additional 5-10%

Frequently Asked Questions

**Do I need to give a reason?**

No, the Hamon Law requires no justification.

**Can my insurer refuse?**

No, if conditions are met (1+ year, eligible contract type).

**What about no-claims bonus?**

It transfers to your new insurer.

**Will there be a coverage gap?**

No, the new insurer ensures continuous coverage.

**Any cancellation fees?**

None. Free cancellation is guaranteed by law.

Sources

Don't overpay for insurance. Use the Hamon Law annually to ensure you're getting the best rates.