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Pour résilier à la date anniversaire, l’assuré doit envoyer sa demande avec un préavis de ",{"_key":120,"_type":98,"marks":121,"text":123},"0d478f61dd1e",[122],"strong","2 mois",{"_key":125,"_type":98,"marks":126,"text":127},"e61c6d797792",[]," avant l’échéance (article L113-12). C’est précisément ce délai que l’assuré oublie souvent, d’où l’obligation d’information introduite par la loi Chatel.",[129],{"_key":113,"_type":130,"href":131,"nofollow":132,"openInNewWindow":132},"link","\u002Flexique\u002Ftacite-reconduction",false,"normal",{"_key":135,"_type":94,"children":136,"markDefs":150,"style":133},"377b494e7312",[137,141,146],{"_key":138,"_type":98,"marks":139,"text":140},"bd4ae21d9cdb",[],"L’assureur doit mentionner la date limite de ",{"_key":142,"_type":98,"marks":143,"text":145},"15f11ca85ed6",[144],"l4defc8799552","résiliation",{"_key":147,"_type":98,"marks":148,"text":149},"815d5e2675e0",[]," dans l’avis d’échéance. Selon la date à laquelle cet avis vous parvient, trois cas s’appliquent :",[151],{"_key":144,"_type":130,"href":152,"nofollow":132,"openInNewWindow":132},"\u002Flexique\u002Fresiliation",{"_key":154,"_type":94,"children":155,"level":168,"listItem":169,"markDefs":170,"style":133},"ab8907371f47",[156,160,164],{"_key":157,"_type":98,"marks":158,"text":159},"0169524eb06a",[],"L’avis arrive ",{"_key":161,"_type":98,"marks":162,"text":163},"a224797b221c",[122],"plus de 15 jours avant",{"_key":165,"_type":98,"marks":166,"text":167},"09da2236772d",[]," la date limite : le préavis normal de 2 mois s’applique. Vous devez résilier avant la date indiquée.",1,"bullet",[],{"_key":172,"_type":94,"children":173,"level":168,"listItem":169,"markDefs":185,"style":133},"990c41573772",[174,177,181],{"_key":175,"_type":98,"marks":176,"text":159},"eaf2bf200f51",[],{"_key":178,"_type":98,"marks":179,"text":180},"f1a08b31f3f6",[122],"moins de 15 jours avant",{"_key":182,"_type":98,"marks":183,"text":184},"9049557af697",[]," la date limite, ou le jour même : vous pouvez résilier dans un délai de 20 jours à compter de la réception de l’avis.",[],{"_key":187,"_type":94,"children":188,"level":168,"listItem":169,"markDefs":210,"style":133},"96ea1069bc75",[189,193,197,201,206],{"_key":190,"_type":98,"marks":191,"text":192},"8736191e7ebb",[],"L’assureur n’envoie ",{"_key":194,"_type":98,"marks":195,"text":196},"0a26a3856b65",[122],"aucun avis",{"_key":198,"_type":98,"marks":199,"text":200},"22bee68f4867",[]," d’",{"_key":202,"_type":98,"marks":203,"text":205},"762a36028427",[204],"lf446bf10f743","échéance",{"_key":207,"_type":98,"marks":208,"text":209},"bd9f30f9be44",[]," : vous pouvez résilier à tout moment après la date de reconduction, sans préavis, par lettre ou tout autre support durable.",[211],{"_key":204,"_type":130,"href":212,"nofollow":132,"openInNewWindow":132},"\u002Flexique\u002Fecheance",{"_key":214,"_type":94,"children":215,"markDefs":220,"style":133},"eed7ad5db3ce",[216],{"_key":217,"_type":98,"marks":218,"text":219},"fe93e7288484",[],"En cas de non-respect de ces règles par l’assureur, la résiliation prend effet le lendemain de la date d’envoi de votre courrier. L’accusé de réception de votre lettre constitue la preuve d’envoi.",[],{"_key":222,"_type":94,"children":223,"markDefs":228,"style":102},"33cb8688d1a6",[224],{"_key":225,"_type":98,"marks":226,"text":227},"96a434eb1430",[],"Loi Chatel et loi Hamon, quelle différence ?",[],{"_key":230,"_type":94,"children":231,"markDefs":236,"style":133},"e55c1df10860",[232],{"_key":233,"_type":98,"marks":234,"text":235},"e96a08954266",[],"Ces deux textes se confondent souvent, car ils facilitent tous deux la résiliation des contrats d’assurance pour les particuliers. Leurs champs sont pourtant distincts.",[],{"_key":238,"_type":94,"children":239,"markDefs":252,"style":133},"373cecc878e1",[240,244,248],{"_key":241,"_type":98,"marks":242,"text":243},"d933a0e3991e",[],"La ",{"_key":245,"_type":98,"marks":246,"text":247},"76b6fe00ad55",[122],"loi Chatel",{"_key":249,"_type":98,"marks":250,"text":251},"d5cb5fd7cc68",[]," porte sur l’obligation d’information préalable à la reconduction tacite. Elle concerne toutes les assurances souscrites par des personnes physiques hors activité professionnelle : auto, habitation, complémentaire santé individuelle, prévoyance personnelle.",[],{"_key":254,"_type":94,"children":255,"markDefs":267,"style":133},"e3145815180d",[256,259,263],{"_key":257,"_type":98,"marks":258,"text":243},"cebc8c952623",[],{"_key":260,"_type":98,"marks":261,"text":262},"84f708a8b11e",[122],"loi Hamon",{"_key":264,"_type":98,"marks":265,"text":266},"3e55ca60eb69",[]," (article L113-15-2) permet, elle, de résilier à tout moment après un an de contrat, sans attendre l’échéance. Elle est réservée aux contrats auto, habitation et affinitaires souscrits par des particuliers. Elle ne s’applique pas aux contrats professionnels non plus.",[],{"_key":269,"_type":94,"children":270,"markDefs":275,"style":133},"23ee525e4191",[271],{"_key":272,"_type":98,"marks":273,"text":274},"7fd0c384f1a4",[],"Une troisième loi complète ce dispositif : la loi Lemoine, qui permet depuis 2022 de résilier à tout moment un contrat d’assurance emprunteur, sous réserve d’une équivalence de garanties.",[],{"_key":277,"_type":94,"children":278,"markDefs":283,"style":102},"06dca782a675",[279],{"_key":280,"_type":98,"marks":281,"text":282},"ec505b6ec877",[],"La loi Chatel s’applique-t-elle aux contrats professionnels ?",[],{"_key":285,"_type":94,"children":286,"markDefs":300,"style":133},"fcc2d1891342",[287,291,296],{"_key":288,"_type":98,"marks":289,"text":290},"5dfd7bef1834",[],"Non. La loi Chatel ne s’applique pas aux contrats d’assurance professionnelle. Un contrat de ",{"_key":292,"_type":98,"marks":293,"text":295},"bcc6f41f5030",[294],"l8de83d679d65","RC Pro des indépendants",{"_key":297,"_type":98,"marks":298,"text":299},"79caf816ce0e",[],", une multirisque professionnelle ou une flotte automobile d’entreprise ne bénéficient pas de ce dispositif.",[301],{"_key":294,"_type":130,"href":302,"nofollow":132,"openInNewWindow":132},"\u002Fassurances\u002Frc-pro",{"_key":304,"_type":94,"children":305,"markDefs":310,"style":133},"88f382a64ade",[306],{"_key":307,"_type":98,"marks":308,"text":309},"6a2dee156553",[],"Pour vos contrats professionnels, les règles de résiliation à l’échéance restent celles de l’article L113-12 : préavis de 2 mois avant la date anniversaire, par lettre ou tout autre support durable. L’assureur n’a pas l’obligation légale de vous rappeler cette date limite, contrairement à ce qui s’applique en contrat particulier.",[],{"_key":312,"_type":94,"children":313,"markDefs":318,"style":133},"5451d4034312",[314],{"_key":315,"_type":98,"marks":316,"text":317},"8df367539e8c",[],"Si votre prime augmente en cours de contrat, vérifiez les conditions générales : certains contrats prévoient une faculté de résiliation dans un délai fixé au contrat après notification de l’augmentation. Ce droit n’est pas automatique en assurance professionnelle, il dépend des clauses négociées à la souscription.",[],{"_key":320,"_type":94,"children":321,"markDefs":326,"style":133},"521e62bd4f57",[322],{"_key":323,"_type":98,"marks":324,"text":325},"a8d89a7ec729",[],"Un changement de situation (déménagement, cessation d’activité, retraite) peut en revanche ouvrir un droit à résiliation en cours de contrat dans les 3 mois suivant l’événement, si le risque couvert est modifié (article L113-16).",[],"La loi Chatel (article L113-15-1 du Code des assurances) oblige l’assureur à informer l’assuré de la date limite à laquelle il peut notifier sa résiliation, avant chaque reconduction tacite d’un contrat. Elle s’applique uniquement aux contrats couvrant des personnes physiques en dehors de leur activité professionnelle : assurance auto, habitation, mutuelle individuelle ou complémentaire santé à titre privé.",{"_type":329,"list":330,"title":345},"faqSectionType",[331],{"_key":332,"text":333,"title":344},"e790a328e79c",{"_type":334,"content":335},"paragraphRichTextObjectType",[336],{"_key":337,"_type":94,"children":338,"markDefs":343,"style":133},"16eb7c594a0b",[339],{"_key":340,"_type":98,"marks":341,"text":342},"033f6d8e04a7",[],"Non. La loi Chatel s’applique uniquement aux contrats couvrant des personnes physiques en dehors de leur activité professionnelle. Vos contrats d’assurance professionnelle (RC Pro, multirisque, flotte) restent soumis aux règles classiques de l’article L113-12 : résiliation à l’échéance avec un préavis de 2 mois. Seul un changement de situation affectant le risque couvert, ou une clause contractuelle spécifique, peut permettre de résilier en cours de contrat.",[],"La loi Chatel me permet-elle de résilier mon contrat professionnel à tout moment ?","Questions fréquentes",{"_type":347,"metaDescription":348,"metaTitle":349,"nofollow":132,"noindex":132},"seoObjectType","Assureur doit rappeler la date limite de résiliation. Comprenez vos droits sur la reconduction tacite du contrat.","Loi Chatel assurance : résiliation | Vinko",{"_type":9,"current":351},"loi-chatel","Loi Chatel",1792588945839]