Decennial insurance after cancellation: how to get a new policy
Has your insurer cancelled your decennial policy, because of claims, unpaid premiums or a change of policy? You cannot start a new project without insurance. Lev Assurances reviews your file and looks for an insurer willing to cover you, with full transparency about your situation.
- Cancellation for claims or non-payment
- File presented transparently
- Possible referral to the BCT if refused
NEED ADVICE?
Useful documents for your file
- Cancellation letter and reason
- Claims history statement
- Previous certificates
- Explanations of past claims
- Measures taken since
Getting decennial cover again after cancellation
After a cancellation, your previous policy still covers projects started during its validity period, for the whole decennial guarantee period. However, no new project can start without a new policy: the insurance obligation applies each time a project starts.
Insurers are more cautious with a professional whose policy was cancelled. The key is transparency: reason for cancellation, claims history, explanations of the claims and measures taken (training, new methods, stopping a high-risk activity). A complete file is better received than a situation discovered during the review.
If you are refused, you can refer the matter to the Bureau central de tarification (BCT): article L243-4 of the French Insurance Code allows anyone subject to compulsory construction insurance, after a refusal, to ask the BCT to set the premium at which a chosen insurer must cover them.
The new policy may be more expensive or carry a higher excess at first; if the BCT is involved, it sets the premium and may set an excess. Limiting your activities to those you master best improves your chances: see covered activities and exclusions and decennial insurance cost.
More about decennial insurance
Construction insurance
Overview of construction insurance in France: decennial, dommages-ouvrage, professional liability.
Decennial liability (BTP)
Our main page on decennial insurance for construction professionals.
Decennial certificate
What the certificate must contain and when to give it to the client.
Covered activities and exclusions
Why declared activities determine what is covered.
Dommages-ouvrage insurance
The project owner’s insurance, complementary to decennial cover.
How we review your decennial insurance
Describe your activity
Your trade, techniques, turnover and share of subcontracting help target the right covers.
Gather your documents
Business registration, qualifications or proof of experience, previous certificates and claims history if any.
Review the offers
Covered activities, limits, excesses and exclusions are reviewed with you before signing.
Receive your certificate
Once the contract is in force, the decennial certificate can be attached to your quotes and invoices.
Let’s review your decennial insurance
Tell us about your activity, your experience and your projects: Lev Assurances reviews your file, looks for available solutions and, if an insurer accepts, supports you until you receive your certificate.
Frequently asked questions
Are my past projects still covered after cancellation?
Yes: projects started while the previous policy was valid remain covered for the decennial period.
Can I work while waiting for a new policy?
Not on any new project subject to decennial insurance: it must be covered from the start.
What is the BCT?
The Bureau central de tarification can, after a refusal, set the premium at which an insurer must cover you (article L243-4 of the French Insurance Code).
Must I disclose the cancellation to the new insurer?
Yes. Hiding a cancellation or claims can make the policy void.
How do I start?
Send your situation via the quote page or call +33 1 41 81 60 94.
Decennial insurance suited to your trade
Decennial insurance is chosen according to the activities you actually carry out, your experience and your projects. Lev Assurances helps you declare the right activities and understand your contract — Lev Assurances, broker registered with ORIAS no. 24001858, supervised by the ACPR (French Prudential Supervision and Resolution Authority).