INSURANCE CODE
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INSURANCE CODE (Legislative part)

 

Book I

The contract

Title I

Common rules applicable to non marine loss insurance and life insurance

 

Chapter I

General provisions (Articles L111-1 to L111-6)

Chapter II

Conclusion and evidence of the insurance contract – Form and transfer of policies (Articles L112-1 to L112-8)

Chapter III

Obligations of the insurer and the insured (Articles L113-1 to L113-17)

Chapter IV

Competence and limitation period (Articles L114-1 to L114-2)

 

Title II

Rules applicable to non marine loss insurance

Chapter I

General provisions (Articles L121-1 to L121-17)

Chapter II

Fire insurance (Articles L122-1 to L122-7)

Chapter III

Hail and livestock mortality insurance (Articles L123-1 to L123-4)

Chapter IV

Liability insurance (Articles L124-1 to L124-4)

Chapter V

Natural disasters insurance (Articles L125-1 to L125-6)

Chapter VI

Insurance against acts of terrorism

 

Section I

Bodily injury (Article L126-1)

Section II

Material damage (Article L126-2)

 

Chapter VII

Legal expense insurance (Articles L127-1 to L127-7)

 

Title III

Rules applicable to insurance of persons and to capitalisation transactions

 

Chapter I

General provisions (Articles L131-1 to L131-3)

Chapter II

Life insurance and capitalisation transactions

 

Section I

General provisions (Articles L132-1 to L132-26)

Section IV

Insurance for the purpose of purchasing real property by means of life annuities (Articles L132-30 to L132-31)

 

Title IV

Group insurance

 

Sole chapter (Articles L140-1 to L140-6)

 

Title VI

Miscellaneous provisions applicable to insurance and capitalisation contracts

 

Sole chapter

Section II

Life insurance policies or lost, destroyed or stolen bonds of capitalisation or savings (Articles L160-1 to L160-2)

Section III

Insurance contracts denominated in foreign currencies (Articles L160-3 to L160-4)

Section IV

Surrender of annuities inferior to a certain minimum amount by life insurance firms (Article L160-5)

Section V

Effect of the requisition of property and services on insurance contracts (Articles L160-6 to L160-9)

 

Title VII

Marine insurance contract and inland waterway and lake insurance

 

Chapter I

General provisions (Articles L171-1 to L171-6)

Chapter II

Rules applicable to various marine insurance

Section I

Conclusion of the contract (Articles L172-1 to L172-10)

Section II

Obligations of the insurer and the insured (Articles L172-11 to L172-23)

Section III

Payment of the compensation (Articles L172-24 to L172-31)

 

Chapter III

Rules specific to various marine insurance

Section I

Hull insurance (Articles L173-1 to L173-16)

Section II

Cargo insurance (Articles L173-17 to L173-22)

Section III

Liability insurance (Articles L173-23 to L173-26)

 

Chapter IV

Rules specific to various inland waterway and lake navigation insurance

Section I

Hull insurance (Articles L174-1 to L174-3)

Section II

Cargo insurance (Articles L174-4 to L174-5)

Section III

Liability insurance (Article L174-6)

 

Title VIII

Applicable law to insurance contracts for risks located on the territory of one or more States party to the European Economic Space Agreement and for the agreements made therein

 

Chapter I

Non compulsory insurance against damage (Articles L181-1 to L181-4)

Chapter II

Compulsory insurance against damage(Article L182-1)

Chapter III

Life insurance and capitalisation (Articles L183-1 to L183-2)

 

Title IX

Provisions specific to the Départements of of Bas-Rhin, Haut-Rhin and the Moselle

Chapter I

General provisions (Articles L191-1 to L191-7)

Chapter II

Provisions applicable to non inland waterway insurance (Articles L192-1 to L192-7)

 

Book II

Compulsory insurance

Title I

Motor vehicle, trailer or semi-trailer insurance

 

Chapter I

The duty of the insurer

Section I

Persons liable (Articles L211-1 to L211-2)

Section II

Scope of the compulsory insurance (Articles L211-4 to L211-7)

Section VI

Compensation procedures (Articles L211-8 to L211-25)

Section VII

Penalties (Article L211-26)

 

Chapter II

Obligation to insure – The central ratiffication office (Articles L212-1 to L212-3)

Chapter III

Contribution in favour of the Social Security

Chapitre IV

Provisions specific to overseas départments and territories and to the collectivité territoriale  of Mayotte

Section I

Provisions specific to overseas départements (Article L214-1)

Section II

Provisions specific to French overseas territories (Article L214-2)

Section III

Provisions specific to the collectivité territoriale  of Mayotte (Article L214-3)

 

Title II

Insurance of machines used for mechanical lifting

Sole chapter (Articles L220-1 to L220-8)

 

Title IV

Construction works insurance

 

Chapter I

Compulsory liability insurance (Articles L241-1 to L241-2)

Chapter II

Compulsory insurance against damage (Articles L242-1 to L242-2)

Chapter III

Common provisions (Articles L243-1 to L243-8)

 

Book III

The firms

 

Title I

General provisions and State control

 

Sole chapter

Section I

General provisions (Articles L310-1 to L310-11)

Section II

Insurance Supervisory commission (Articles L310-12 to L310-25)

Section IV

Penalties (Articles L310-26 to L310-28)

 

Title II

Administrative scheme

Chapter I

Licences

Section I

Licence of French firms (Article L321-1)

Section I

Licences (Article L321-1-1)

Section I

Licence of French firms (Articles L321-2 to L321-5)

Section II

Licence of non EU firms whose registered office is located in a member State of the European Economic Space (Article L321-7 to L321-8)

Section III

Special authorisation of firms whose registered office is located in a State, which is not a member of the European Economic Space (Articles L321-9)

Section IV

Criteria of licensing (Articles L321-10 to L321-10-1)

Section V

Provisions specific to French overseas territories and to Mayotte (Article L321-11)

 

Chapter II

Rules of formation and operation

            Section I

Common provisions (Articles L322-1 to L322-3)

Section II

Public limited insurance and capitalisation companies (Articles L322-4 to L322-4-1)

Section III

National insurance and capitalisation firms, and central insurance companies

Paragraph I

Formation (Articles L322-5 to L322-13)

Paragraph II

Management (Articles L322-14 to L322-15)

Paragraph III

Distribution and transfer of shares of central insurance companies

(Articles L322-22 to L322-24)

Section IV

Mutual insurance societies (Articles L322-26-1 to L322-26-6)

Section VI

Agricultural mutual insurance and reinsurance companies or funds

Paragraph I

General provisions (Article L322-27)

 

Chapter III

Rehabilitation and safeguard proceedings

Section I

General rules (Articles L323-1 to L323-2)

 

Chapter IV

Portfolio transfer

Section I

General rules (Articles L324-1 to L324-4)

Section II

Rules specific to firms underwriting compulsory motor vehicle insurance

Automatic transfer (Article L324-5)

Section III

Rules applicable to accounting allocation of assets transferred with a portfolio of contracts

Article L324-7)

 

Chapter V

Withdrawal of the licence

Section I

General rules (Articles L325-1 to L325-1-1)

 

Chapter VI

Liquidation

Section I

General rules (Articles L326-2 to L326-15)

Section II

Rules specific to firms underwriting compulsory motor vehicle insurance (Articles L326-17 to L326-19)

 

Chapter VII

Liens (Articles L327-1 to L327-6)

Chapter VIII

Penalties (Articles L328-1 to L328-16)

 

Title III

Financial scheme

 

Chapter I

Regulated agreements

Section II

Technical reserves of life insurance, and that of wedding-birth and capitalisation insurance transactions (Articles L331-1 to L331-4)

Chapter IV

Solvency of the firms (Articles L334-1 to L334-3)

 

Title IV

Accounting and statistics provisions

 

Chapter I

General principles (Article L341-1)

Chapter II

Accounts of insurance and capitalisation firms (Article L342-1)

Chapter IV

Insurance categories and statements to be submitted (Article L342-1)

Chapter V

Consolidated accounts (Articles L345-1-1 to L345-2)

 

Title V

Freedom of services and coinsurance relating to States, non members of the EU, parties to the European Economic Space agreement

 

Chapter I

Provisions relating to the freedom of services in assurance against damage

Section I

General provisions (Articles L351-1 to L351-2)

Section II

Conditions of exercice (Articles L351-4 to L351-6-1)

Section III

Administrative penalties (Articles L351-7 to L351-10)

 

Chapter II

Provisions relating to coinsurance (Article L352-1)

 

Chapter III

Provisions relating to the freedom of services in life insurance and capitalisation

Section I

General provisions (Article L353-2)

Section II

Conditions of exercice (Article L353-4 to L353-6)

Section III

Administrative penalties (Article L353-7)

 

Chapter IV

Portfolio transfer (Articles L354-1 to L354-2)

 

Title VI

Freedom of establishment and freedom of services within the EU

 

Chapter I

Definitions (Article L361-1)

Chapter II

Conditions of exercice (Articles L362-1 to L362-4)

Chapter III

Supervision and penalties (Articles L363-1 to L363-4)

Chapter IV

Portfolio transfer (Article L364-1)

 

Book IV

Organisations and special insurance schemes

 

Title I

General insurance organisations

 

Chapter I

National Insurance board

Section I

Organisation and attributions (Articles L411-1 to L411-6)

Chapter II

National Insurance school

 

Title II

Guarantee fund

 

Chapter I

Road and hunting accidents guarantee fund

Section I

Provisions specific to road accidents occurring in metropolitan France and in overseas départments (Articles L421-1 to L421-7)

Section II

Provisions specific to hunting accidents occurring in metropolitan France (Article L421-8)

Section V

Financial scheme of the guarantee fund (Article L421-8-1)

Section VI

Role of the guarantee fund in the event of withdrawal of a motor insurance firm’s licence (Article L421-9)

Section VIII

Provisions specific to French overseas territories and to the collectivité territoriale of Mayotte (Articles L421-10 to L421-10-1)

Section IX

Provisions specific to car accidents occurring abroad (Articles L421-11 to L421-15)

Chapter II

Guarantee fund of victims of terrorist attacks and other offences (Articles L422-1 to L422-5)

Chapter III

Guarantee fund of insured persons against the default of life insurance companies (Articles L423-1 to L423-8)

 

Title III

Special insurance institutions

 

Chapter I

The central reinsurance fund

Section II

Transactions carried out with the guarantee of the State

Paragraph II

Extraordinary and nuclear risks (Articles L431-4 to L431-7)

Paragraph III

Risks of natural disasters (Article L431-9)

Paragraph IV

Risks of terrorist attacks (Article L431-10)

Section III

Management transactions

Paragraph I

National guarantee fund for agricultural disasters (Article L431-11)

Paragraph II

Agricultural disasters guarantee fund in overseas départments (Article L431-12)

Paragraph IV

Compensation fund of construction risks insurance (Article L431-14)

Chapter II

 French insurance company for foreign trade known as “Coface”

Section I

General provisions (Articles L432-1 to L432-4)

 

Title IV

Special insurance schemes

Chapter I

Provisions relating to certain group benefits and insurance transactions

Section I

General provisions (Articles L441-1 to L441-7)

Section II

Technical and accounting rules (Article L441-8)

Section IV

Transitional provisions (Article L441-10)

Chapter II

Other special insurance schemes

Section I

Agricultural disasters compensation scheme (Articles L442-1 to L442-2)

Section II

Compulsory health, disability and maternity insurance scheme for farmers and non wage earning members of their families (French acronym AMEXA) (Article L442-3)

Section III

Insurance of farmers against private life accidents, accidents at work and occupational diseases (Articles L442-4 to L442-5)

Section IV

Compulsory health, disability and maternity insurance scheme of the non-wage earning workers in the non agricultural professions (Article L442-6)

 

Book V

General agents, brokers and other intermediaries

Of insurance and capitalisation

Title I

Presentation of transactions

Chapter I

General principles (Articles L511-1 to L511-3)

 

Book IV

General agents, brokers and other intermediaries of insurance and capitalisation

 

Title I

Presentation of transactions

 

Chapter IV

Control of terms applicable to presentation

Section IV

Miscellaneous provisions and penalties (Article L514)

 

Book V

General agents, brokers and other intermediaries of insurance and capitalisation

Title I

Presentation of transactions

Chapter IV

Control of the terms applicable to presentation

Section IV

Miscellaneous provisions and penalties (Article L514-1 to L514-4)

 

 

Title II

Provisions specific to general insurance agents

 

Sole chapter (Articles L520-1 to L520-2)

 

Title III

Provisions specific to brokers and insurance brokerage companies

Sole chapter (Articles L530-1 to L530-3)


 

 

 
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