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change car insurance now until 30.11. – it is worthwhile!
Changing your car insurance is not as costly as you might think. It’s only a few steps to your new insurance cover, which is really adapted to your requirements and driving habits.
If you regularly check your car insurance, you can often save a lot of money. But even beyond that, there are enormous differences in car insurance – with itzehoer, you have advantages in performance, service and quality.
As a rule, you can cancel your old car insurance policy only once a year and then take out a new one with itzehoer – in most cases On the due date of 30. November. Seize the opportunity before you have to wait a year!
Real advantages for changing your car insurance policy
Personal advisor on site
Personalized automotive advice: find a local advisor now.
you can find our trusted agents throughout schleswig-holstein, hamburg, mecklenburg-vorpommern, lower saxony and bremen. Get a personal consultation on all topics concerning your "new" vehicle We will be happy to advise you on vehicle insurance coverage and on the topics of partial and fully comprehensive insurance, driver protection and our discount protection.
Our local experts will be happy to answer all your questions and work with you to find the product that is perfectly suited to you and your life. start your trips with peace of mind and get the right help in case of a breakdown or accident.
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When does a change make sense??
When buying a new car
When the number of drivers changes
When young drivers are included in the insurance coverage
When young drivers no longer drive
If you move
When purchasing a second car
When you can cancel your old insurance?
You would like to switch to our excellent insurance coverage with your vehicle? It’s easy to do if you keep a few things in mind.
When the contract expires
Most car insurance contracts end on 31 December of the following year. December. To cancel your old car insurance policy at the turn of the year, the notice of cancellation must be received by your insurer in text form at least one month before expiry.
The cancellation letter must therefore be sent no later than 30. November present. Depending on the terms of the contract, there are insurers whose insurance year does not correspond to the calendar year.
Often, the insurance year expires in the middle of the calendar year (for vehicles with seasonal license plates, the expiration can also be the beginning or end of the season).
It is best to check your current insurance policy to see when your insurance expires.
After a premium increase
If your motor insurance premium increases due to tariff measures, you can terminate your contract within one month cancel after receiving the bill from which the premium increase results. Cancellation is effective immediately, but no earlier than the date on which the premium increase would have taken effect.
In addition to a general price increase can be the reason that your regional class changes. This is reallocated every year on the basis of statistics. This is influenced by factors such as driving behavior in the area, the condition of the roads and the number of registrations. If you have to pay more due to a new regional class, you can give extraordinary notice of cancellation. However, this does not apply if you are reclassified due to a move. Also a change of type class may result in higher premiums. If your vehicle is classified in a more expensive type class, you also have a special right of termination. If your insurance consists of several components (liability and comprehensive insurance), you can only cancel the part that becomes more expensive. However, it is also possible that the insurer will allow you to cancel the entire policy as a gesture of goodwill.
After a damage event
After the occurrence of a loss event, you can terminate your motor vehicle policy. The notice must be given to your insurance iwithin one month after the end of the negotiations on the compensation or within one month after your insurance company has acknowledged or wrongly rejected your obligation to pay benefits.
You can decide whether the cancellation is to take effect immediately or at a later date, but no later than the expiry of the contract.
In the event of a change of vehicle
If you sell your vehicle, trade it in, or have it scrapped, a cancellation of the existing insurance contract for this vehicle is not necessary.
You need your only inform your previous insurer about the remaining ownership of the vehicle, so that the latter can terminate the existing contract. you can then simply insure your newly acquired vehicle with itzehoer.
How does the exchange work?
1. Select new insurance services
You decide what insurance cover you need for yourself and your car. Our advisors will help you.
2. Take out new insurance
For this you need:
- your driver’s license
- your registration certificate part 1 (vehicle registration document)
- Your no-claims class (you will find this on the last premium invoice from your old insurer)
- Your mileage
- Your bank details
- your contract number of the previous motor insurance policy
3. Cancel old insurance
Your cancellation letter should contain:
- Your contract number
- Your license plate number
- Your address
- The current date
- your signature
- The date from which the cancellation should take effect
To ensure that your cancellation is legally effective and that you do not miss the important cancellation deadline due to a formal error, simply use our cancellation form. Simply adapt to your data, send and change to the excellent insurance protection of itzehoer.
Important note: in order to participate in road traffic, you need a valid motor vehicle insurance policy. Do not cancel your existing insurance contract until you have replaced the existing risk with a new contract z.B. insured with itzehoer.
To be on the safe side, give notice of cancellation by registered mail with advice of receipt. Since the burden of proof lies with you, always have the cancellation confirmed in writing. Especially if you send the cancellation by fax or e-mail.
It’s best to choose TOP DRIVE right away – THE motor tariff for the north
Whether it’s a new car or a young used one, with the itzehoer TOP DRIVE tariff you are TOP insured.
TOP: new price compensation up to 36 months in case of total loss for the first owner
TOP: reimbursement of the used vehicle price in case of total loss after purchase within 36 months
TOP: direct settlement in comprehensive insurance: fast and secure settlement of claims regardless of who is at fault
TOP: 10% bonus (in liability coverage) from no-claims class 5 and a complete claim-free year
TOP: discount coverage for all drivers over 23 years of age
TOP: GAP coverage: special coverage for leased and leveraged vehicles in fully comprehensive insurance
And much more!
* our guarantee for the COMPLETE and TOP DRIVE tariffs! Secure new benefits permanently! You do not need to do anything. Your insurance coverage will be updated automatically.
The itzehoer
your all-round insurer for all insurance questions.
Frequently asked questions
What is the difference between third party liability, partial cover and fully comprehensive insurance??
The motor vehicle liability insurance is a legally required insurance (compulsory insurance).
It covers claims for damages incurred by a third party as a result of operating a motor vehicle on the road. The damage may be caused, for example, by a traffic accident for which the driver of the insured vehicle is at fault or for whose consequences he is liable regardless of fault.
If personal injury, property damage or financial loss is caused by the use of the vehicle, the motor vehicle liability insurance will satisfy justified claims of the injured party and reject unjustified and excessive claims.
The statutory minimum coverage for property damage is 1.220.000 euros, for personal injury 7.500.000 euro and for property damage 50.000 euro.
with itzehoer insurances you can get a liability coverage of up to 100.000.000 euros for personal injury, property damage and financial loss (depending on choice up to a maximum of 15.000.000 euros per injured person) and coverage up to 5.000.agree on an amount of 000 euros for environmental damage in accordance with the environmental Damage Act (umweltschadensgesetz).
Vehicle insurance, on the other hand – better known as comprehensive insurance – covers the policyholder’s interest in maintaining the value of the insured vehicle. The damage to your own vehicle, for example, by hail, storm, lightning, flooding, avalanches, ("COMPLETE") and "TOP DRIVE also earthquake, landslide, mudslide, volcanic eruption), fire, explosion, theft, collision with furred game ("COMPLETE" and "TOP DRIVE animals of ANY kind), marten bite (COMPLETE and TOP DRIVE also animal bite), short-circuit on the wiring or by glass breakage replaces the partial cover basic coverage.
Fully comprehensive coverage offers the most comprehensive insurance protection. because in addition to the partially comprehensive insurance benefits, it also provides compensation in the event of self-inflicted traffic accidents and damage caused by wilful acts.