Consumer and banking · Accessory insurance · withdrawal
Cancel add-on insurance in France: the withdrawal right
Insurance taken out to supplement goods or a service can fall under the special L112-10 withdrawal right, separate from cancellation after one year. Under the current framework, the period is thirty calendar days; a free premium moves its start to the first full or partial payment. Check scope, performance, cover and the transition for older contracts. Neither the main purchase nor a promotion alone establishes a refund right.
Text in force19 June 2026Sources checked20 October 2026
- Official texts cited
- Sources checked on
- Drafted with AI assistance, our method
General legal information with official references and dated checks. It is not personalised advice: for a decision that commits you, have your situation checked by a qualified professional.
Julie by AlphaDeep
Does the withdrawal clock always start at signature despite a free promotion?
The current text distinguishes free premiums and the first actual full or partial payment.
Read the referencesYou want to withdraw from purchase-linked insurance: let’s check dates, free premiums and cover conditions.
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Is every policy sold with a product automatically included?
No. L112-10 concerns non-business insurance supplementary to goods or services and the specified risks. Identify insured subject, term, contract and cover. Travel insurance has particular conditions; the commercial add-on label is not sufficient legal classification.
Related step: Consumer and banking
Code des assurances, article L112-10 : renonciation à l’assurance accessoire
Which conditions distinguish accessory insurance?
| Point | Check |
|---|---|
| Scope | Accessory policy and risks |
| Start | Conclusion or first payment |
| Conditions | Performance and invoked cover |
| Version | Date and transition |
Code des assurances, article L112-10 : renonciation à l’assurance accessoireCode des assurances, article L112-2 : information avant souscription
When does the period start with free premiums?
The current statute uses payment of all or part of the first premium where one or more premiums are free. Retain actual payment evidence, not merely signature or theoretical promotion end. Without that evidence, the starting event needs examination.
Related step: Cancel a subscription or contract in France: when you can leave, and how
Code des assurances, article L112-10 : renonciation à l’assurance accessoire
Why must performance and invoked cover be checked?
The first paragraph regulates withdrawal by reference to performance and intervention of cover. The statute also addresses a loss during the period for which premium remains due. Read these conditions against facts; the worksheet does not certify entitlement from a statement of non-use.
Related step: Insurance broker advice and liability in France
Code des assurances, article L112-10 : renonciation à l’assurance accessoire
Which starting event should be prepared for withdrawal?
Current fictional example: compare conclusion without promotion and first payment after a free premium, without established entitlement.
Fictional example · Your preparation worksheet
Check accessory/non-business character and covered risks. The tool does not decide that classification.
Match the main purchase, accessory policy, conclusion date and information document.
Locate actual first payment after free premiums; do not rely only on the advertised promotion end.
Retain withdrawal, sending evidence and response; examine refund conditions separately.
A calendar-day marker is not an admissibility decision. The statute has performance and cover conditions; premium can remain payable in the specified situation.
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What does the governing text say about withdrawal?
Lorsque l'assuré bénéficie d'une ou de plusieurs primes d'assurance gratuites, ce délai ne court qu'à compter du paiement de tout ou partie de la première prime.
In plain English: No. L112-10 concerns non-business insurance supplementary to goods or services and the specified risks. Identify insured subject, term, contract and cover. Travel insurance has particular conditions; the commercial add-on label is not sufficient legal classification.
Which records prepare withdrawal notice?
Collect the policy, information document, main purchase, free period, first payment and correspondence. Identify existing cover and the notice procedure. Pre-contract information should describe cover, exclusions and obligations; a missing record is not automatic cancellation by the tool.
Code des assurances, article L112-2 : information avant souscriptionCode des assurances, article L112-10 : renonciation à l’assurance accessoire
Do policies already running before June 2026 follow this exact version?
The reform effective from 19 June 2026 has a transition retaining relevant earlier rules for policies already running. This page identifies that historical branch without imposing the current calculation. Check date, version and conditions before relying on a period or claiming premiums.
Code des assurances, article L112-10 : renonciation à l’assurance accessoire
What else should you know about withdrawal?
Does the withdrawal clock always start at signature despite a free promotion?
The current text distinguishes free premiums and the first actual full or partial payment.
Code des assurances, article L112-10 : renonciation à l’assurance accessoire
Is invoked cover irrelevant to the premium?
No. The statute has conditions and addresses a loss during the period; have the facts examined.
Code des assurances, article L112-10 : renonciation à l’assurance accessoire
Are initial withdrawal and later annual cancellation interchangeable?
No. Starting events, conditions and consequences differ.
Code des assurances, article L112-10 : renonciation à l’assurance accessoire
Does the tool impose the current version on every older policy?
No. A date before 19 June 2026 calls for checking the transition.
Code des assurances, article L112-10 : renonciation à l’assurance accessoire
Which sources explain withdrawal?
- Code des assurances, article L112-10 : renonciation à l’assurance accessoireLégifrance
- Code des assurances, article L112-2 : information avant souscriptionLégifrance
- ABE Infoservice : assurance des appareils nomadesABE Infoservice / Banque de France, ACPR et AMF
Texts cited last checked: 20 October 2026