Practice Insurance. What are the risks if you pay your insurance premium late?


The Insurance Code leaves no doubt in its article L 113-2: “The insured is obliged… to pay the premium or contribution at the agreed times”.

And the nail is driven to the following article. “In the absence of payment of a premium, or of a fraction of the premium, within ten days of its due date, and independently of the insurer’s right to pursue the execution of the contract in court, the guarantee cannot be suspended than thirty days after the formal notice of the insured. »

Clearly, the insurer, by putting all the forms, can stop insuring you.



The insurer has the right to suspend the guarantees of the contract for non-payment. The premiums remain due even for the period during which the guarantees are suspended. Photo DR

The notice

You therefore have a maximum of ten days after the due date to make the payment.

In the absence of payment, the insurer is entitled to suspend your guarantees but it must first send you formal notice to pay by registered letter with acknowledgment of receipt (LRAR).

This is the first warning; it costs nothing and does not affect your contract, but payment must be made within 30 days. Please note that the deadline starts from the date of sending the letter and not from the date of receipt.


If an incident occurs during the period when you find yourself without guarantees, it could cost you very dearly because the compensation for the loss would be your responsibility.  Photo DR
If an incident occurs during the period when you find yourself without guarantees, it could cost you very dearly because the compensation for the loss would be your responsibility. Photo DR

Suspension of warranties

If the 30-day period expires on a public holiday or during a weekend, the deadline is postponed to the first working day or the following Monday. If you do not pay during this period, your guarantees are automatically suspended.

The immediate consequence is that you are no longer covered in the event of an automobile accident and you are in default of insurance.

Fortunately for you, you still benefit from a grace; by paying within a new period of ten days, you can reactivate your insurance. This will take place the day after noon of the settlement day.

Last step: termination

If you still haven’t paid anything, the insurance contract will be terminated by the insurer. Either he notifies you by a new registered letter, or the terms of the termination were already mentioned in the letter of formal notice.

But you still owe the amount of the premiums due plus any costs related to the delay. The contract will remain terminated anyway and you will be registered with AGIRA (Association for the management of information on risk in insurance).

A file accessible by all insurers when signing a new contract, as long as you have not settled your debt.


Late payment of your car insurance has consequences.  Each insurer is free to apply statutory interest for late payment.  Detailed in the general conditions of each contract, these amounts may vary depending on the amount of the premium and the period of non-payment.  Photo DR
Late payment of your car insurance has consequences. Each insurer is free to apply statutory interest for late payment. Detailed in the general conditions of each contract, these amounts may vary depending on the amount of the premium and the period of non-payment. Photo DR

The results

It is very clearly specified that in the event of non-payment of the insurance premium, your company will not cover your compensation.

If an incident occurs during the period when you find yourself without guarantees, it could cost you a lot of money because the compensation for the loss would be your responsibility and you could risk a fine.

In addition, filing with AGIRA constitutes proof of your negligence and leads to possible refusals from insurance companies and often large surcharges.

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