Know your rights

Total-loss rights, country by country

Detailed briefs for every market we operate in. Pick yours to read the legal framework, your concrete rights, the local ombudsman and the time limits that apply.

Your market

United Kingdom

Legal framework

Consumer Insurance (Disclosure and Representations) Act 2012 · FCA Consumer Duty (July 2023)

Time to act

6 years from the date of the event (England & Wales) · 5 years (Scotland)

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Ireland

Legal framework

Consumer Protection Code 2025 (in force 24 March 2026) · Consumer Insurance Contracts Act 2019

Time to act

6 years from the date of the event

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Other markets we cover

France

Code des assurances · Article 1321 Code civil (assignment of claims)

Time to act: 2 years from the date of the insured event

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Germany

Versicherungsvertragsgesetz (VVG) · §398 BGB (assignment of claims)

Time to act: 3 years from the end of the year in which the claim arose

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Netherlands

Burgerlijk Wetboek Boek 7, Titel 17 · Wet op het financieel toezicht (Wft)

Time to act: 3 years from the date the policyholder became aware of the claimable event

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Italy

Codice delle Assicurazioni Private (D.Lgs. 209/2005) · Codice del Consumo · Art. 1916 c.c.

Time to act: 2 years from the date of the accident

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Belgium

Loi du 4 avril 2014 relative aux assurances (amended October 2024)

Time to act: 3 years from the insured event

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Spain

Ley 50/1980 de Contrato de Seguro · Ley 35/2015 (motor liability)

Time to act: 2 years from the date of the event for material damages

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Austria

Versicherungsvertragsgesetz (VVG) · Konsumentenschutzgesetz (KSchG)

Time to act: 3 years (general limitation period)

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Poland

Insurance and Reinsurance Activity Act · Polish Civil Code (Kodeks Cywilny) · Compulsory Insurance Act

Time to act: 3 years from reporting the loss, expiring at the end of the calendar year

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Switzerland

Versicherungsvertragsgesetz (VVG) · Swiss Code of Obligations (OR)

Time to act: 2 years from the insured event (5 years for liability insurance)

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Sweden

Försäkringsavtalslagen (FAL) · Konsumentkreditlagen / Consumer Protection Act

Time to act: 10 years (general); claims should be filed promptly

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Canada

Provincial Insurance Acts · federal Insurance Companies Act

Time to act: Varies by province (typically 1–2 years from the date of loss)

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