Cancelled or penalty points: how to find an insurer?

In France, the number of drivers with penalty points and those whose policies have been cancelled is steadily increasing. Finding an insurer becomes a real struggle when you don’t pay your car insurance premiums on time or have too many accidents.

How can you find an insurer if you’re a bad payer? If a driver doesn’t pay their insurance premium on time, the insurer has the right to cancel the contract. And since you would likely be flagged by Agira (the French insurance database), it would be very difficult to find car insurance if you’re a bad payer.

Entering into negotiations with your insurer

When your insurer decides to cancel the contract, it becomes virtually impossible for you to get insured elsewhere. So, before taking any action, the simplest solution is to negotiate with your car insurance company. Even if you have to pay a penalty or compensation, it will still be worth the effort. Appealing to the BTC

If you believe your car insurance policy was unfairly terminated, you can appeal to the BTC (Central Pricing Bureau) to obtain redress. However, this process may only allow you to obtain third-party liability insurance. Furthermore, the formalities can be very time-consuming.

Signing up with a specialized insurance company

Another alternative for a driver whose policy has been cancelled is to sign up with a specialized insurance company. However, before insuring you, the company may impose certain conditions. Therefore, before signing your new contract, be sure to carefully read all the clauses that govern it.

Car insurance for drivers with penalty points

Besides drivers with a cancelled policy, those with penalty points can also have great difficulty finding car insurance. This is perfectly normal, as they represent a significant risk for insurance companies. Therefore, to find an insurance policy, if you have penalty points, the only solution is to contract with specialized companies.

Canceled or penalty point driver: how much does the premium cost?

When you are a cancelled or penalty point driver, you systematically pay a higher insurance premium than experienced drivers. And to find the cheapest offer, it is always recommended to use insurance premium comparison websites for drivers with poor records and penalty points. Very easy to use, you simply enter your driver profile, the type of car insurance coverage (third-party, comprehensive, etc.) you want, and details about your vehicle.