VAD and affinity insurance in the viewfinder

The national assembly

A few days after the presentation of the bill for the protection of purchasing power, two new amendments particularly target telephone canvassing and distance selling (VAD), as well as affinity insurance.

While few measures seemed to affect insurance within the bill for the protection of purchasing power presented by the executive, it is without counting on the deputies who are currently examining the text in first reading. Among the myriad of proposals tabled in recent days, two new amendments that still remain to be discussed concern market operators.

Firstly, amendment n°372, carried by the deputy Didier Le Gac (REN), proposes to fight against untimely cold calling, by establishing the rule of the consumer’s explicit consent, “which thus could no longer be the subject of any telephone canvassing if its prior consent has not been given by conferring on the telephone number the same status as that which SMS and e-mail do not benefit from. In addition, any cold calling that does not comply with these rules would appear to be an abusive commercial practice..

The deputies who support this amendment explain in particular that these abusive practices can sometimes lead the injured parties to take out a new telephone subscription or even to buy another telephone device in an attempt to free themselves from this harassment. “In this sense, fighting against it is also fighting for the preservation of the purchasing power of our fellow citizens”they write.

The affinity still targeted

A second amendment, No. 723, this time brought by MP Daniel Labaronne (REN), is more aimed at affinity insurance. In particular, the text proposes that “the conclusion of an insurance contract constituting a complement of a good or a service sold by a supplier cannot be done concomitantly with the purchase of the good or the service object of this contract”.

It also provides that in the event of the prior and explicit agreement of the subscriber, the distributor sends him (electronically or by post) the documents relating to the signing of the contract. The text suggests that “the subscriber or the eventual member can only consent to the contract by signing it and returning it to the insurer on issue within a minimum period of twenty-four hours after receipt of the documents and information mentioned […] In any case, a distributor cannot sign a contract on behalf of the subscriber or the prospective member..

The deputies depositing this amendment justify these proposals in particular by the fact that this type of contract is the subject of many complaints, with monthly payments sometimes deducted without the insured being aware of it, “which represents a significant cost for some households », they indicate.

A little earlier in the year, the CCSF had already tackled affinity insurance with the desire to extend the period for renunciation of contracts and to clarify the conditions for termination in the event of free insurance.

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