How is canvassing in insurance regulated?

Some canvassers are ready to do anything to land a contract.

A particularly sensitive sector in this area, insurance and banking can in particular give rise to

unethical and sometimes even abusive

In order to further protect users, a law dated April 8, 2021 more strictly regulates the canvassing and sale of insurance agreements by telephone, since April 1, 2022.

All players in the sector are concerned, from the insurers themselves to brokers, general agents and agents.

From now on, each canvassing call must begin with the customer's request for explicit agreement.

If the interlocutor objects to this conversation, the professional must put an end to the call and above all not call him back afterwards.

From a common agreement

Moreover, the very content of this telephone exchange is regulated.

Indeed, the insurer or the distributor of the contract must ensure that if the person called is already covered by an agreement identical to that which is the subject of the canvassing, the latter may be terminated in the event of subscription to the new offer.

Enough to avoid being trapped with duplicate contracts. 

In the event that the canvassing bears fruit, a cooling-off period of 24 hours now applies before the signing of the agreement, which can be done electronically or by hand.

Please note: an oral agreement is not sufficient to commit you.

All documents relating to the contract and its terms of termination must be sent to the customer.

Finally, the telephone exchange that led to the transaction must be recorded and kept by the company for two years, in order to be able to provide it as proof in the event of a subsequent dispute.

Failure to comply with these regulations is punishable by a 5th class fine.

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