Understand before choosing
A review centred on your circumstances.
The reason for cancellation and prior history must be disclosed accurately. Certain compulsory risks may fall within the scope of the Bureau Central de Tarification in specific cases.
Explain the risk before looking for a price
Business activities, turnover, premises, subcontracting, claims history, prevention measures and the reason for cancellation should be documented. For a complex placement, the quality of the information presented is critical.
Identify markets willing to consider the profile
Insurers do not all have the same risk appetite. The broker's role is to direct the case toward partners that may be willing to review it, without concealing previous events or promising acceptance.
Where compulsory insurance is involved
The Bureau Central de Tarification has jurisdiction over certain specific compulsory insurance classes, including compulsory motor third-party liability and certain construction insurance. It does not apply to every optional business insurance guarantee.
Compare the whole policy.
Price only makes sense alongside cover, deductibles, limits, exclusions and conditions. We collect the relevant information and present available solutions without promising cover that is not provided by the policy terms.
Questions
The essentials.
Can a business obtain insurance again after a policy has been cancelled? +
Potentially, yes. It depends on the activity, reason for cancellation, history and insurers' underwriting criteria. Some cases require specialist markets and a more detailed review.
Can the BCT compel an insurer to provide any type of business cover? +
No. The Bureau Central de Tarification only has authority for certain compulsory insurance classes defined by law.
Useful references
Further information.
The general rules presented on this page are based on French public sources. The cover applicable to your case remains the cover stated in the proposed policy.