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Certyneo
Advanced Signature (AES)

Cancel your insurance online with an electronically signed mandate

Auto, home or affinity insurance cancellation mandate: advanced signature (AES), qualified timestamp and proof PDF for legal archiving.

Legal framework
Hamon Law (March 17, 2014), art. L113-15-2 of the Insurance Code; Chatel Law (June 25, 2005); eIDAS Regulation (EU No. 910/2014).
Signature level
Recommended eIDAS AES
Legal archiving
10 years with probative value (eIDAS audit trail)

What is an insurance cancellation mandate?

A cancellation mandate is an act by which the insured authorizes a third party (new insurer, broker or representative) to carry out cancellation formalities with their current insurer. Signed electronically with advanced signature (AES), it constitutes legal proof of the insured''s commitment, compliant with the Hamon Law and eIDAS Regulation. Qualified timestamp and audit trail guarantee document integrity and complete traceability.

Why sign your mandate online?

Immediate legal compliance

Advanced signature (AES) recognized by the Hamon Law, Chatel Law and eIDAS Regulation. Qualified timestamp and proof PDF for legal archiving without dispute.

Smooth and secure procedure

No more registered mail, printing or scanning. Sign in a few minutes, exhaustive audit trail, complete traceability of each step.

Cancellation at any time (after 1 year)

Hamon Law: right to cancel mid-term for auto, home and affinity contracts after the first year. The electronic mandate accelerates the process.

Secure hosting and archival

Data hosted in EU (IONOS Germany), legal retention 10 years, irrefutable audit trail. GDPR and eIDAS compliance guaranteed.

4-step procedure

Sign your cancellation mandate in less than 5 minutes.

  1. Download or create the mandate

    Use one of our Certyneo cancellation mandate templates (auto, home, affinity) or import your document. Fill in the contract details to cancel (number, dates, coverages).

  2. Invite the signer

    Send the secure signature link to the insured or authorized representative. Only one signer required. Authentication by email or OTP to verify identity.

  3. Advanced signature (AES) and timestamping

    The signer electronically signs with advanced signature (AES) eIDAS. Qualified timestamping applied automatically. Proof PDF generated with complete audit trail.

  4. Archival and transmission

    Access the signed proof PDF, legally archived. Transmit directly to the insurer or download for your file. Audit trail available for validation.

Frequently asked questions about cancellation by electronically signed mandate

Is an electronically signed cancellation mandate legally valid?
Yes. Advanced signature (AES) is recognized by the eIDAS Regulation and the Hamon Law (art. L113-15-2 of the Insurance Code). Qualified timestamping and audit trail constitute irrefutable proof of commitment.
What types of insurance can be cancelled by electronic mandate?
Auto, home, and affinity contracts (health, supplementary, legal protection, etc.). Hamon Law applies to all these types after the first year of commitment.
Can I cancel before my contract''s maturity date?
Yes, after the first year. Hamon Law (17 March 2014) allows cancellation at any time after 12 months. Chatel Law: respect the notice period (generally 2 months before maturity).
What does the proof PDF contain?
The timestamped PDF includes: the signed mandate, signer identifiers, qualified timestamp, advanced signature (AES), and complete audit trail. Document legally enforceable without contestation.
Can my insurer refuse an electronically signed mandate?
No. The advanced signature (AES) eIDAS has legal value equal to a handwritten signature. The qualified timestamp proves authenticity and integrity. Abusive refusal = violation of Hamon law.
How long does it take to sign the mandate?
5 minutes maximum. Authentication by email or OTP, automatic advanced signature (AES), timestamp applied instantly, PDF generated immediately.
How long is the mandate archived?
Minimum 10 years, in compliance with legal archival obligations. EU hosting (IONOS Germany), secure access, tamper-proof audit trail. GDPR and eIDAS guaranteed.
Can I use an electronic mandate if I change insurers?
Yes, that''s the main use. The new broker or insurer can be mandated to handle the formalities (Hamon law art. L113-15-2). Electronically signed mandate = optimized process.

Also read

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Advanced signature (AES), qualified timestamp, audit trail and legal proof PDF. Free plan, no commitment.

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