Your Préname/Name

Address

Postal Code/City

[Name of your insurer]

Address

Postal Code/City

Done so; [your city], on [précate the date].

Object : Challenge to the interpretation of a clause in the n° insurance contract [state your policy number;insurance]

Madam, Sir,

I’ve suffered on [indicate the date of your claim]a claim that I have déclarified to you. By letter dated [indicate the date of receipt of your insurer's letter]you refuse to indemnify me because of a clause in the contract which states [indicate the clause concerned].

In my opinion, your interpretation of the said clause is erroneous.

In fact, the clause is not stated in sufficiently clear terms. Now, the law provides in its article 1190 of the Civil Code that « in case of doubt, the contract of gré gré is interpreted against the créThe contract of adhesion is interpreted against the creator and in favor of the debtor, and the contract of adhesion against the one who proposed it, as well as in its article L133-2 of the Code of the insurances that: « the clauses of the contracts proposed by the professionals to the consumers or to the non-professionals must be presented and digested in a clear and understandable way.

They shall be interpreted in case of doubt in the sense most favorable to the consumer or non-professional [...]. ».

I therefore ask you to kindly reconsider your position and to compensate me as soon as possible.

In the meantime, please accept, Madam, Sir, my best regards.

[Your signature]