Motor insurance renewal in Réunion
How to renew motor insurance — how it works anywhere
Renewing motor insurance in Réunion typically involves contacting one's current insurer or shopping around for a new policy before the existing one expires. Most policies automatically renew unless cancelled by either party within a specified notice period.
It is generally advisable to start reviewing motor insurance options at least 1-2 months before the current policy's expiry date. This allows sufficient time to compare quotes, understand policy terms, and provide notice to the current insurer if choosing to switch, without risking a lapse in coverage.
Start 60 days ahead
This lead time allows for comparison of offers, potential negotiation, and adhering to the notice period (often 1 or 2 months) required to cancel an existing policy if switching insurers.
The process
- 1Review the terms and conditions of the current motor insurance policy, paying attention to the renewal date, premium, and notice period for cancellation.
- 2Contact the current insurance provider to inquire about their proposed renewal terms and premium.
- 3Obtain quotes from other insurance companies in Réunion to compare coverage options and pricing.
- 4Evaluate the offers, considering factors such as coverage limits, deductibles, included services, and premium.
- 5Decide whether to renew with the current insurer or switch to a new one. If switching, formally cancel the existing policy in writing, adhering to the required notice period.
- 6Finalize the new or renewed insurance contract and ensure receipt of the updated insurance certificate and green card (carte verte).
- 7Display the new insurance vignette (proof of insurance) on the vehicle's windshield.
What to bring
- Current motor insurance policy details (policy number, expiry date)
- Vehicle registration document (carte grise / certificat d'immatriculation)
- Driver's license (permis de conduire)
- Previous claim history (relevé d'informations) if switching insurers
Who handles it
Assureurs agréés en France / Réunion (Licensed Insurers in France / Réunion)
The cost of motor insurance varies significantly based on factors such as the vehicle type, driver's history, coverage level, and chosen insurer. Premiums are generally paid annually, semi-annually, or monthly. The exact fee should be confirmed directly with insurance providers.
What commonly goes wrong
- Automatic renewal: Many policies automatically renew. If a change is desired, it's crucial to send a cancellation notice within the specified timeframe (e.g., 2 months before expiry) to avoid being bound for another year.
- Lapse in coverage: Ensure there is no gap between the expiry of the old policy and the start of the new one, as driving without insurance is illegal.
- Coverage comparison: Do not compare offers based on price alone. Always ensure the level of coverage (e.g., third-party, comprehensive) and specific guarantees are adequate for one's needs.
- Required documents: Make sure to have all necessary documents, especially the 'relevé d'informations' (statement of claims history), when seeking new quotes, as it significantly impacts pricing.
Sources
- service-public.fr
- Assurance auto : ce qu'il faut savoir economie.gouv.fr
- La résiliation de l'assurance auto legifrance.gouv.fr
Don't rely on remembering
Renewals here take about 60 days to start. Add this document and Duratum will tell you when that window opens.