If you want to change your car insurance, don’t miss the deadline.
motor vehicle liability insurance is – as the name suggests – compulsory insurance. Without proof of existing insurance coverage a car, motorcycle or truck is not allowed on german roads. Additional, but voluntary protection is offered by partial and fully comprehensive insurance.
In 2017, according to data from the German insurance association (GDV) 91 insurance companies in germany motor vehicle liability insurance. On average, the insureds of 257 euro per year for this form of insurance.
Considering the large number of insurance companies, it is likely that a other providers offer equivalent or even better benefits at a lower price. A change of car insurance can therefore be worthwhile for many insured persons. Would you like to change your car insurance?, the cut-off date is of great importance. the following guide clarifies the question: "until when can i change my car insurance??"
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FAQ: deadline for changing your car insurance policy
As a rule, you can cancel your vehicle insurance at the end of any insurance year and switch to another insurer who may offer. Better conditions. The deadline for cancellation is usually the 30th of the month.11. of each year (the exact deadlines can be found in the insurance contract)!).
Under certain circumstances, you can also terminate the car insurance earlier. Reasons such as an increase in premiums usually grant a special right of termination for car insurance.
If you want to find a cheaper car insurance with better conditions, you can use this insurance comparison.
change car insurance: you should mark this date in your calendar
When can I change my car insurance?? This is a question asked by many policyholders.
Until when can you change your car insurance?? This question is asked by many insureds who are willing to change insurers. Finally, a comparison of providers may show that other insurers offer better benefits but charge lower premiums than the existing contract.
If you want to change your car insurance, the deadline is of crucial importance. This is also mentioned in the advertisement – be it on the internet, on tv or in the print media – strongly advertised. The insurers themselves indicate in their advertisements when a change of car insurance is possible. This is how you want to persuade customers to take out a new contract.
As a rule, a change of car insurance can only take place at a certain point in time. But what is the reason for this and when is the car insurance actually to change? So that a change is possible, the old contract must first be terminated. And this is usually only at the end of the insurance year on 31. December possible.
However, a one month notice period be complied with. Do you want to change your car insurance?, therefore, if the deadline falls on the 30. November. The cancellation must be received by the old insurer by this date at the latest. Before that, you should already have taken care of the new insurance coverage and have observed the contract signed with the other insurer have.
Switching car insurance during the policy term: when is it possible??
However, if you are planning to change your car insurance, the deadline may not always be relevant. There are also some insurances that do not offer a special right of termination contracts with a term of less than one year offer. This means that the contract in principle, there is a period of twelve months – the term is included does not depend on the calendar year.
The insurance year does not end on 31 December for these contracts. December, but at another time. For example, if the car insurance was to the 1. If the insurance policy was concluded in May, and the policy then runs until May 30, the old policy must first be terminated. April of the following year. Here, too, in most cases a one month notice period to note.
If the policyholder wants to change the car insurance, when would be the correct date for the cancellation in the example?? The the deadline in this case would be the end of march, i.e. one month before the end of the contract term.
Alternative: when can i change my car insurance thanks to the special right of termination??
After an accident, you can change your car insurance without having to wait for the deadline.
Until when you have to change the car insurance in the regular case, is now therefore clear. The deadline falls on 30. November. Only up to this point in time is it possible in most cases to possible to terminate the existing contract with due notice. If you miss the deadline when you want to change the car insurance, then your existing contract continues to run for a whole year. You should therefore mark the date conspicuously in your calendar.
However, there are some exceptions, where the answer to the question "when can the vehicle insurance be changed??" not the cut-off date on 30. November is. As already mentioned, the old contract must be cancelled in order to change car insurance. In addition to the ordinary termination, which must be submitted in due time before the end of the insurance year, there are, however, still in certain a extraordinary termination.
If you would like to change your car insurance, but have missed the deadline, under certain circumstances, a special termination can still bring you to your goal. However, to cancel extraordinarily only possible in certain cases. These include the following:
- Increase of the contributions: if the insurer demands higher premiums without offering better benefits at the same time, you can change your car insurance without having to wait for the deadline. After the insurance company has informed you about the premium increase, you usually have four weeks to cancel and prepare to switch to a provider.
- Vehicle change: the question "when can i change my car insurance provider??"the answer is quite simple if you deregister your old car and register a new one instead. In this case, you do not have to stay with the old insurance company, but can choose another provider.
- claim: if there is a claim, you must report it to the insurer. This then decides whether the claim is settled or not. After you have received the confirmation, you can cancel and change the car insurance within four weeks, without having to observe the closing date.
How to cancel your old contract correctly?
Car insurance: until when you can change is shown in the contract documents.
If you want to change your car insurance, the deadline is of course of great importance. The notice of cancellation must be received by the old insurer on time. However, there are still other things that need to be taken into account so that you can cancel your old contract correctly.
A simple letter is sufficient to cancel the car insurance policy. It is important that you both state your name, address, the registration number of your vehicle as well as the insurance number.
If it is a case of ordinary cancellation, you do not have to give a reason. If, on the other hand, you make use of your special right of termination, you must include an appropriate justification in the letter.
To be able to prove that you actually met the date set for the motor insurance change, you should include the send notice of cancellation by registered letter with advice of receipt. This way, you will receive proof that your letter was received by the insurer on time. Also ask for a confirmation from the insurer for your documents.
In this context, keep the following in mind if you want to change car insurance: your notice of cancellation must be received by the insurer on the due date. To be on the safe side, you should write to them hand in to the post office at least four days before the deadline expires.
Changing car insurance: when is it worth taking this step??
We have already answered the question "by when do you have to change car insurance" in detail. For many insureds considering this step, however, the question arises first of all, when the change is worthwhile at all. After all, you first have to search comparison portals and study contract terms to find a better provider – this costs time. In addition, if someone wants to change the car insurance, the deadline must be met and the old contract must be cancelled correctly. Many shy away from this effort.
When it pays to change, every insured person must decide for themselves. For many, the cost factor is the main consideration. For some savings of 50 euro per year a lot of money, another would only see himself compensated for the effort if he saves several hundred euros.
Not to be forgotten are also the benefits. It may be worthwhile to switch to a slightly more expensive provider, if the new provider offers the following benefits shines through many additional benefits and good service. Here, too, individual preferences are decisive.