Conditions and consequences of waiver

If you exercise your waiver option, your guarantees cease. If insurance contributions have already been deducted from you, they will be refunded within thirty days from the date of notification of your waiver. However, if a loss involving your guarantee occurs during this period, the services received must be reimbursed within thirty days.

Conditions of termination

If your insurance contract covers a property loan:

You can terminate your contract at any time from the date of signature of the real estate loan offer by notifying the insurer (or their representative) of the termination request.

In this case, you will have to send us confirmation that your bank has accepted the proposed change in your insurance provider, as well as the effective date of your new contract. This confirmation should be in the form of a registered letter. 

The termination of your contract will be effective ten days after our services receive the bank's decision or on the effective date of the new contract accepted by your bank, if this is later. If your bank refuses to accept the proposed change in insurance provider, your insurance contract will not be terminated.

If your insurance contract covers another type of loan:

You can terminate your insurance contract at the end of a period of one year and on each anniversary date of signing the loan contract, with notice of 2 months before the expiry date of the insurance contract.

These conditions do not preclude your thirty-day right of waiver.

For more information, we invite you to refer to the Information Notice of your membership.

Consequences of terminating your insurance contract

The consequences of terminating your contract are as follows:

loss of cover taken out, impossibility of opening a new claim from this date.

This termination has no impact on the processing of your current claims: you will continue to be covered according to the conditions of your current contract. From the date of termination, and subject to acceptance of your supporting documents and validation of compliance with the termination conditions, you will no longer be covered by your insurance contract.

Consequences of total early reimbursement

Your insurance contract ends on the date your loan is repaid.