It should be noted that the contract that has not been regularly terminated by the insurer remains in force as of right.
With regard to termination, article L. 113-2 of the Insurance code sets out the conditions that the insurer must comply with.
The Court of Cassation scrupulously ensures that insurers comply with the legal requirements of article L. 113-2 of the insurance code. This article provides for the obligation of the insurer to issue an LR/AR.
Thus, for example, it was held by the High Court that :
– The sending of a registered letter prescribed by article L. 113 – 12 of the insurance code is a substantial formality that the insurer cannot arbitrarily and unilaterally evict to denounce the policy (Civ. I, 15 May 2015, n°14-11894) ;
– The contract that has not been regularly terminated by the insurer is automatically perpetuated over time (Civ. I, 7 March 1989, No. 87-12034).