What to do to change insurance company?

Changing insurance companies

Changing insurance company is not at all complicated, just follow a few rules. To change the insurance company is first of all necessary to cancel the policy you currently hold in your checking if the contract is expected to tacit renewal, as is normally the case for insurance companies that operate through traditional agencies in the area, it is necessary to renew or explicitly the policy to its expiration, as happens in most cases in the direct insurance companies online or telephone based on the provisions of the Bersani Decree. In the former case, as regards the liability auto insurance policies, the notice must be sent to the company at least 15 days before the annual deadline through a registered letter with acknowledgment of receipt (as far as the date is the postmark on the day of submission) or, alternatively via fax .. In the event that the insurance company will apply at the time of renewal of the policy, an increase in the cost of the premium higher than the rate of inflation (which this year amounts to 1, 5%), the terms of the notice change. The cancellation will be made on the last day of validity of the policy and sent by registered mail with return receipt, fax or hand delivered to the agency by the insurance company when the policy was taken out in accordance with Article no. 172 of the Code of Private Insurance.

The company, for its part, is required to send a copy of the risk insured at least 30 days before the annual deadline as required by Article no. 134 of the Code of Private Insurance. Once you cancel your policy, you can go to the insurance company chosen to sign a new contract of insurance. Documents to be submitted to sign a new contract are as follows:

 Certificate of risk which indicates the class of merit of origin and destination, as well as the number of any damages caused in the past 5 years; license and identity card of the insured;

 Logbook of the vehicle to be insured. The policy's cancellation terms Rc car do not apply to other types of insurance policies and accident policies such as those home. See below for what the notice period provided for by law according to the type and duration of the insurance contract signed:

 In the case of insurance contracts lasting one year in which it is expected to cancel the automatic renewal must be sent to his company 60 days before the expiration date via registered mail with return receipt requested;

 If there has signed a multi-year contract of insurance in the period between 3 April 2007 and 14 August 2009 the cancellation can be made 60 days prior to the anniversary date (month and day on which the contract was signed ) even if the contract provides that the policy still applies for subsequent years;

 The situation is different in case you have signed a multi-year contract of insurance after August 15, 2009 that has a maturity equal to or less than 5 years and for which there is an agreed discount tariff explicitly stated in the policy. In this case, the policy can not be canceled annually, but it will be necessary to wait for the deadline, 60 days before sending a registered letter of cancellation;

 As regards, finally, the long-term insurance contracts with a maturity of over 5 years, it will be possible to request the cancellation year only after the first 5 years of validity of the policy always sending a registered letter at least 60 days before the deadline.

Let us finally what are the data that contain the letter of cancellation of an insurance policy:

 Date of writing of termination;

 Name of the insurance company;

 Agency of reference in which the bill has been signed;

 Data insured;

 Number of the policy;

 Date of expiry of the policy.

 In the object should be indicated: cancellation insurance policy.

28/05/2012

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Translated via software

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