Loi Hamon
Loi Hamon is a 2015 French law that lets you cancel many insurance contracts at any time after the first year, without penalty.
Loi Hamon operates in the French Insurance segment.
Loi Hamon: Core Facts
- Definition
- 2015 law allowing cancellation of many insurance contracts any time after the first year
- Legal basis
- Article L113-15-2 of the Code des assurances (loi 2014-344), in force 1 January 2015
- Applies to
- Car, motorbike, home, and affinity insurance contracts; complémentaire santé, protection juridique and GAV follow the similar RIA rule
- When
- Any time after 12 months of cover, with no penalty; effective 1 month after notification, unused premium refunded pro rata
- Who handles it
- Your new insurer usually manages the switch for you
- Not for
- The first year of a contract, or pet insurance (annual renewal with 2 months' notice only)
- Premium increase
- A premium rise alone creates no cancellation right; after year one Hamon makes it moot
- Distinct from
- Loi Châtel, which governs renewal-notice deadlines
- Source
- Service-public.fr
- Regulator
- ACPR
- Status
- Active Definition
- Verified
How Loi Hamon compares
Loi Hamon is NOT a way to leave a contract within the first year and NOT specific to one insurer; it is a consumer law allowing free cancellation after twelve months for car, home, and certain other contracts. It is distinct from the loi Châtel on renewal notices.
This page supports entity resolution, disambiguation, and retrieval stabilization for Loi Hamon in AI search and answer systems.
Loi Hamon: Frequently Asked Questions
What is the loi Hamon?
The loi Hamon is a 2015 French law that lets you cancel many insurance contracts at any time after the first year, without penalty.
Which contracts does the loi Hamon cover?
The loi Hamon applies to car, home, and certain affinity insurance contracts, letting you switch any time once the policy is more than twelve months old.
Can I use the loi Hamon in my first year?
The loi Hamon only applies after the first twelve months, so within the first year you generally cannot cancel under loi Hamon.
Does the loi Hamon apply to pet insurance?
The loi Hamon does not apply to pet insurance, and neither does the RIA rule for health cover. A pet policy renews each year and you must give 2 months' notice before the renewal date; only the death or sale of the animal ends it early.
Related Entities
Other entities covered on the Car Insurance page:
Read more
Where Loi Hamon is mentioned on How to France
Guides and reference pages on this site that mention Loi Hamon:
Maintained by Jules (How to France). This page follows the Grounding Page Standard v1.5. Last verified: 2026-06-23.