Insurance: objecting to renewal and other letters you have to prove
· 3 min read
Few laws turn so many communications into deadlines as Law 50/1980 on Insurance Contracts. The objection to renewal, the notification of a claim, the non-payment of the premium: in all of them there is a date that runs and a communication that someone will have to prove. Broker or insurer, the problem is the same.
Three articles, three use cases
- Objection to renewal (art. 22 of the Act). The policyholder can object one month in advance; the insurer, two. An objection that cannot be proven is a renewed policy. The certified SMS records the text, the date and the delivery — on time or not, it will be known to the second.
- Notification of a claim (art. 16 of the Act). Seven days from when it becomes known, unless a longer period is agreed. For the insured party who reports it and for the company that acknowledges receipt, the file fixes the moment.
- Non-payment of the premium (art. 15 of the Act). The effects of non-payment depend on notices you will want to be able to show later: the certified payment reminder, before cover is suspended, avoids expensive disputes.
And the day to day, without certifying
Not everything needs an evidence file. The friendly renewal reminder, the appointment with the loss adjuster or the notice that a policy has been issued work better —and cheaper— by ordinary SMS or WhatsApp utility. The rule of thumb: if the message could one day end up in a lawsuit, certify it; if not, normal messaging.
What exactly you are buying
A file of chained evidence —content, delivery, opening, reading— with a qualified Camerfirma timestamp on the daily anchor. It is not a qualified eIDAS service and it enjoys no presumption: if challenged, it is proven with the file and an expert report (art. 326.3 of the Civil Procedure Act), and electronic evidence is admissible by mandate of art. 43.1 of eIDAS. The limits, published — that too sets a serious provider apart.
To sign documents —policies, endorsements, consents— with a one-time code: certified contracts.
Published prices · API for your insurance core system
For brokers: the archive that defends you
A broker lives between two fires: the customer who says they gave notice and the company that says it never arrived. Certifying critical communications —forwarding the objection to renewal, reporting the claim, notice of an unpaid premium— turns that crossfire into a table of dates.
The renewal date is the business. A certified renewal notice sent well in advance is not only proof: it is the commercial opportunity to review the policy before the art. 22 deadline eats up the customer's options.
The file outlives the relationship. If the customer leaves, or the company changes, the certificates issued remain verifiable by their public code: the proof does not depend on you still being the one who keeps it.
And through the API, the notice goes out from your policy management software on the exact renewal date, without anyone having to remember: your portfolio sets the date, the platform provides the evidence file.