• Make a Donation
  • Ask For Advice

New Notice Period To Cancel Insurance 1.1.2016

Since the 1st of January of 2016, a notice period of at least ONE month is now sufficient to cancel any insurance policy before the renewal date. Used to be two months. The cancellation should be in writing and we suggest that you send this as a certified letter.

Insurers however, are still held to the two months to inform you as the insured party of any changes to the policy, like a price increase. If they fail to comply, don´t inform you or inform you late, you have the right to refuse this increase and continue to pay the old premium, or to cancel the insurance altogether as the insurance company has failed to meet the conditions that both parties have signed.

If your insurance company is not aware of this new law, you can quote them this:

Así lo recoge la Ley 20/2015 de 14 de julio de Ordenación, Supervisión y Solvencia de las Entidades Aseguradoras y Reaseguradoras, que introduce, entre otras modificaciones, un cambio en el artículo 22 de la Ley 50/1980, de 8 de octubre, de Contrato de Seguro.

La nueva redacción del artículo 22.2 indica que “las partes pueden oponerse a la prórroga del contrato mediante una notificación escrita a la otra parte, efectuada con un plazo de, al menos, un mes de anticipación a la conclusión del período del seguro en curso cuando quien se oponga a la prórroga sea el tomador”.

“El asegurador deberá comunicar al tomador, al menos con dos meses de antelación a la conclusión del período en curso, cualquier modificación del contrato de seguro”.



This is reflected in Law 20/2015 of July 14 on the Ordinance, Supervision and Solvency of Insurance and Reinsurance Entities, which introduces, among other modifications, a change in article 22 of Law 50/1980, of October 8, Of Insurance Contract.

The new wording of Article 22.2 states that “the parties may oppose the extension of the contract by giving written notice to the other party, made at least one month before the conclusion of the current insurance period when Who opposes the extension is the borrower. ”
“The insurer shall notify the policyholder, at least two months before the end of the current period, of any changes to the insurance contract.”


Note: health insurances are ´tricky´ in that many of them ´run´ from January 1st to December 31st, so check your policy for the exact renewal date so you can cancel with sufficient notice if you wish to do so.

Please note: The information provided is based upon our understanding of current legislation. It is not legal advice but is provided freely to enable you to be properly informed. We recommend that if you are considering taking action, you should seek professional advice.

How Can Citizens Advice Bureau Spain Benefit You?

As an expatriate living in Spain; do you find that the Spanish bureaucratic system can be disconcerting? Have you discovered that the simplest of transactions are difficult to conclude? Find yourself searching for answers to problems only to discover that there is nowhere where you could find a solution? I am assuming that the answer is yes and that is why should be a member of our web site if you arent already.
citizens advice spain


We use our own and third-party cookies to prepare statistical information through the analysis of your browsing, in accordance with our cookies policy. If you continue browsing, you accept its use.
view CAB cookie policy

Utilizamos cookies propias y de terceros para elaborar información estadística y mostrarte publicidad personalizada a través del análisis de tu navegación, conforme nuestra política de cookies. Si continúas navegando, aceptas su uso.
ver política de cookies de CAB

The cookie settings on this website are set to "allow cookies" to give you the best browsing experience possible. If you continue to use this website without changing your cookie settings or you click "Accept" below then you are consenting to this.