{"id":45238,"date":"2019-01-04T12:14:05","date_gmt":"2019-01-04T11:14:05","guid":{"rendered":"https:\/\/reassurez-moi.fr\/guide\/?page_id=45238"},"modified":"2026-02-02T15:41:42","modified_gmt":"2026-02-02T14:41:42","slug":"lettre-resiliation","status":"publish","type":"page","link":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/assurance\/lettre-resiliation","title":{"rendered":"Assurance &#8211; Lettre r\u00e9siliation"},"content":{"rendered":"\n<h1 class=\"wp-block-heading\">Mod\u00e8le de lettre de r\u00e9siliation d\u2019un contrat d\u2019assurance gratuit \u00e0 t\u00e9l\u00e9charger<\/h1>\n\n\n\n<p><strong>Couverture sant\u00e9, auto, habitation ou encore assurance emprunteur, les assurances souscrites sont parfois nombreuses. Or, les d\u00e9marches et d\u00e9lais \u00e0 respecter pour les r\u00e9silier sont parfois complexes. Quel mod\u00e8le de lettre de r\u00e9siliation d\u2019assurance utiliser ? Quelles informations doivent \u00eatre mentionn\u00e9es ? Quand envoyer sa lettre de r\u00e9siliation d\u2019assurance ? On vous r\u00e9pond !<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Mod\u00e8le de lettre de r\u00e9siliation d\u2019assurance&nbsp;<\/strong><\/h2>\n\n\n\n<p><strong>Voici notre mod\u00e8le de lettre de r\u00e9siliation d\u2019assurance<\/strong>, \u00e0 t\u00e9l\u00e9charger gratuitement puis \u00e0 compl\u00e9ter avec vos informations personnelles :\u00a0<\/p>\n\n\n\n<div style=\"height:18px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><em>(lettre recommand\u00e9e avec accus\u00e9 de r\u00e9ception)<\/em><\/p>\n\n\n\n<p><em>Madame, Monsieur,<\/em><\/p>\n\n\n\n<p><em>Je vous informe par la pr\u00e9sente de mon intention de r\u00e9silier mon contrat d\u2019assurance souscrit sous le num\u00e9ro <\/em><strong><em>(r\u00e9f\u00e9rence du contrat)<\/em><\/strong><em> \u00e0 sa date d\u2019\u00e9ch\u00e9ance, soit le <\/em><strong><em>(date d\u2019\u00e9ch\u00e9ance du contrat)<\/em><\/strong><em>, et vous remercie de bien vouloir m\u2019adresser, le plus rapidement possible, un avenant de r\u00e9siliation.<\/em><\/p>\n\n\n\n<p><em>Dans l\u2019attente de ce document, je vous prie d\u2019agr\u00e9er, Madame, Monsieur, l\u2019expression de mes salutations distingu\u00e9es.<\/em><\/p>\n\n\n\n<p><strong><em>(Signature)<\/em><\/strong><\/p>\n\n\n\n<div style=\"height:18px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2024\/02\/mode%CC%80le_lettre_re%CC%81siliation_assurance.pdf\">T\u00e9l\u00e9charger notre mod\u00e8le de lettre de r\u00e9siliation d\u2019assurance<\/a> :<\/p>\n\n\n\n<p><a href=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2024\/02\/mode%CC%80le_lettre_re%CC%81siliation_assurance.pdf\"><\/a><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large is-resized\"><a href=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2024\/02\/mode%CC%80le_lettre_re%CC%81siliation_assurance.pdf\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2019\/09\/telecharger-lettre-500x500.jpg\" alt=\"telecharger lettre\" class=\"wp-image-73864\" width=\"140\" height=\"140\"\/><\/a><\/figure><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Vous pouvez \u00e9galement t\u00e9l\u00e9charger nos autres mod\u00e8les de lettre de r\u00e9siliation d\u2019assurance<\/strong>, sp\u00e9cifiques \u00e0 chaque type de contrat :\u00a0<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2024\/02\/mode%CC%80le_lettre_re%CC%81siliation_assurance_auto.pdf\">lettre de r\u00e9siliation d\u2019assurance auto pdf<\/a><\/li><li><a href=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2024\/02\/mode%CC%80le_lettre_re%CC%81siliation_assurance_habitation.pdf\">lettre de r\u00e9siliation d\u2019assurance habitation pdf<\/a><\/li><li><a href=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2024\/02\/mode%CC%80le_lettre_re%CC%81siliation_assurance_sante%CC%81.pdf\">lettre de r\u00e9siliation d\u2019assurance sant\u00e9 pdf (mutuelle sant\u00e9)<\/a><\/li><li><a href=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2024\/02\/mode%CC%80le_lettre_re%CC%81siliation_assurance_emprunteur.pdf\">lettre de r\u00e9siliation d\u2019assurance emprunteur pdf<\/a><\/li><li><a href=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2024\/02\/mode%CC%80le_lettre_re%CC%81siliation_assurance_emprunteur_remboursement_anticipe%CC%81.pdf\">lettre de r\u00e9siliation d\u2019assurance emprunteur remboursement anticip\u00e9 pdf<\/a><\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quand envoyer sa lettre de r\u00e9siliation d\u2019assurance ?<\/strong><\/h2>\n\n\n\n<p><strong>La date d\u2019envoi de la lettre de r\u00e9siliation d\u2019assurance varie suivant le fait que la demande de r\u00e9siliation est r\u00e9alis\u00e9e \u00e0 \u00e9ch\u00e9ance ou hors \u00e9ch\u00e9ances<\/strong>.\u00a0<\/p>\n\n\n\n<div style=\"height:12px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Il existe des r\u00e8gles sp\u00e9cifiques pour chacun des deux cas :<\/p>\n\n\n\n<ul class=\"is-style-pros-2 wp-block-list\"><li><strong>\u00c0 date d\u2019\u00e9ch\u00e9ance<\/strong> : en r\u00e8gle g\u00e9n\u00e9rale, la lettre de r\u00e9siliation doit \u00eatre envoy\u00e9e avec un d\u00e9lai de pr\u00e9avis de 2 mois avant la date d\u2019anniversaire du contrat. Cependant, certaines assurances peuvent pr\u00e9voir un pr\u00e9avis moins important, ce qui est tout \u00e0 l\u2019avantage de l\u2019assur\u00e9. Pensez \u00e0 bien v\u00e9rifier les termes de votre contrat.<\/li><li><strong>Hors \u00e9ch\u00e9ance<\/strong> : gr\u00e2ce \u00e0 la loi Hamon, apr\u00e8s 1 an d\u2019adh\u00e9sion \u00e0 votre assurance, vous pouvez r\u00e9silier \u00e0 tout moment (sauf pour les assurances de cr\u00e9dit immobilier). Vous pouvez donc envoyer votre lettre de r\u00e9siliation \u00e0 tout moment et sans motif. Si vous voulez rompre votre contrat au cours de la 1\u00e8re ann\u00e9e, la lettre doit \u00eatre envoy\u00e9e dans les 3 mois suivant la survenue de l&rsquo;\u00e9v\u00e9nement pour lequel vous souhaitez r\u00e9silier et le motif de r\u00e9siliation doit \u00eatre justifi\u00e9.<\/li><\/ul>\n\n\n\n<div style=\"height:12px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-mars-information icon-check\"><i class=\"icon\"><\/i><p>Une lettre recommand\u00e9e avec accus\u00e9 de r\u00e9ception sert de preuve pour faire d\u00e9marrer la date du d\u00e9lai de pr\u00e9avis (cachet de la Poste) !<\/p><\/div>\n\n\n\n<div style=\"height:12px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Depuis la loi Chatel, les assureurs ont l\u2019obligation d\u2019envoyer un <\/strong><a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance\/avis-echeance\"><strong>avis d\u2019\u00e9ch\u00e9ance<\/strong><\/a> dans un d\u00e9lai de 3 mois \u00e0 15 jours avant la date limite de r\u00e9siliation. Dans le cas contraire :&nbsp;<\/p>\n\n\n\n<ul class=\"is-style-arrow-right wp-block-list\"><li><strong>si vous avez re\u00e7u l\u2019avis d\u2019\u00e9ch\u00e9ance moins de 15 jours avant<\/strong>, vous disposez d\u2019un d\u00e9lai suppl\u00e9mentaire de 20 jours pour r\u00e9silier,\u00a0<\/li><li><strong>si vous n\u2019avez jamais re\u00e7u d\u2019avis d\u2019\u00e9ch\u00e9ance<\/strong>, vous pouvez r\u00e9silier \u00e0 tout moment sans frais ni p\u00e9nalit\u00e9s.<\/li><\/ul>\n\n\n\n<div style=\"height:12px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-mars-information icon-glass\"><i class=\"icon\"><\/i><p>Suite \u00e0 un d\u00e9marchage t\u00e9l\u00e9phonique ou en ligne, vous disposez d\u2019un d\u00e9lai de r\u00e9tractation de 14 jours calendaires ! Pour toute autre souscription, il n\u2019existe pas de d\u00e9lai de r\u00e9tractation.<\/p><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Comment bien r\u00e9diger sa lettre de r\u00e9siliation d\u2019assurance ?<\/strong><\/h2>\n\n\n\n<p><strong>Une lettre de r\u00e9siliation d\u2019assurance doit contenir un certain nombre d\u2019informations<\/strong>, telles que :&nbsp;<\/p>\n\n\n\n<ul class=\"is-style-pros-2 wp-block-list\"><li>l\u2019identit\u00e9 de l\u2019assur\u00e9 (nom, pr\u00e9nom),<\/li><li>l\u2019adresse de l\u2019assur\u00e9,<\/li><li>le num\u00e9ro de contrat d\u2019assurance,&nbsp;<\/li><li>la date de souscription du contrat,&nbsp;<\/li><li>dans le cas d\u2019une assurance auto ou emprunteur, le v\u00e9hicule ou le bien immobilier concern\u00e9,&nbsp;<\/li><li>le motif de r\u00e9siliation.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">FAQ<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1709529466070\"><h3 class=\"schema-faq-question my-0 font-semibold\"><strong>Peut-on r\u00e9silier son contrat d\u2019assurance \u00e0 tout moment ?<\/h3> <p class=\"schema-faq-answer\"><strong>Oui et non ! Au-del\u00e0 d\u2019un an d\u2019engagement<\/strong>, la loi Hamon permet une <strong>r\u00e9siliation \u00e0 tout moment sans frais ni p\u00e9nalit\u00e9s<\/strong>. Toutefois, avant 1 an de contrat, vous devrez fournir un motif de r\u00e9siliation l\u00e9gitime et le justifier.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1709529475976\"><h3 class=\"schema-faq-question my-0 font-semibold\"><strong>Quel d\u00e9lai de pr\u00e9avis pour envoyer sa lettre de r\u00e9siliation d\u2019assurance ?<\/h3> <p class=\"schema-faq-answer\">En r\u00e8gle g\u00e9n\u00e9rale, il faut respecter un <strong>d\u00e9lai de pr\u00e9avis de 2 mois<\/strong> pour r\u00e9silier votre contrat d\u2019assurance. N\u2019h\u00e9sitez pas \u00e0 consulter les conditions g\u00e9n\u00e9rales et particuli\u00e8res de votre contrat pour v\u00e9rifier le d\u00e9lai applicable.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1709529486492\"><h3 class=\"schema-faq-question my-0 font-semibold\"><strong>Comment r\u00e9silier mon assurance si je n\u2019ai pas re\u00e7u d\u2019avis d\u2019\u00e9ch\u00e9ance ?<\/h3> <p class=\"schema-faq-answer\">Depuis la loi Chatel<strong>, tous les assureurs ont l\u2019obligation d\u2019envoyer un avis d\u2019\u00e9ch\u00e9ance<\/strong> dans un d\u00e9lai de<strong> 3 mois \u00e0 15 jours<\/strong> avant la date limite de r\u00e9siliation. Dans le cas contraire :\u00a0<br\/>&#8211; <strong>si vous avez re\u00e7u l\u2019avis d\u2019\u00e9ch\u00e9ance moins de 15 jours avant<\/strong>, vous disposez d\u2019un d\u00e9lai suppl\u00e9mentaire de 20 jours pour r\u00e9silier,\u00a0<br\/><strong>&#8211;<\/strong> <strong>si vous n\u2019avez jamais re\u00e7u d\u2019avis d\u2019\u00e9ch\u00e9ance<\/strong>, vous pouvez r\u00e9silier \u00e0 tout moment sans frais ni p\u00e9nalit\u00e9s.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Mod\u00e8le de lettre de r\u00e9siliation d\u2019un contrat d\u2019assurance gratuit \u00e0 t\u00e9l\u00e9charger Couverture sant\u00e9, auto, habitation ou encore assurance emprunteur, les assurances souscrites sont parfois nombreuses. Or, les d\u00e9marches et d\u00e9lais \u00e0 respecter pour les r\u00e9silier sont parfois complexes. Quel mod\u00e8le de lettre de r\u00e9siliation d\u2019assurance utiliser ? Quelles informations doivent \u00eatre mentionn\u00e9es ? Quand envoyer\u2026<\/p>\n","protected":false},"author":86,"featured_media":0,"parent":48073,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"categories":[],"page_topic":[592],"class_list":["post-45238","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mod\u00e8le de lettre de r\u00e9siliation d\u2019assurance<\/title>\n<meta name=\"description\" content=\"T\u00e9l\u00e9charger notre mod\u00e8le de lettre de r\u00e9siliation d\u2019assurance \u00e0 compl\u00e9ter puis \u00e0 envoyer \u00e0 votre assureur. 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