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- Can I cancel my car insurance at any time?
- Can I change car insurance in the middle of the year?
- Changing car insurance: It’s that easy
Can I cancel my car insurance at any time?
If you want to cancel or change your car insurance, you can usually do this once a year by November 30 at the latest. After all, car insurance is usually can be terminated at the end of an insurance year with one month’s notice. In the case of contracts, the insurance year usually ends on December 31 of a year and begins again on January 1.
So you have to usually no later than the deadline of November 30th submitted the cancellation of your car policy. But in some cases there are also ways to cancel or change car insurance during the year.
Why the 30.11. is not always decisive for changing car insurance
Some contracts also contain notice periods for other dates, for example because the contract was concluded during the year. The decisive factor is therefore always the Major due date listed on your financial statement. Because it indicates when the new insurance year begins. For example, if new insurance premiums are due on July 1st, the end date of the old insurance year is June 30th. Other car insurances can even be canceled on a monthly basis and thus offer particularly flexible options for switching.
However, it is important to note that alternative deadlines have to be observed: If you cannot cancel or change your car insurance at the end of the year, the insurance providers will not reorient themselves to the usual price wars with other car insurance companies particularly favorable tariffs.
Can I change car insurance in the middle of the year?
To cancel or change your car insurance extraordinarily, you can rely on your special right of termination appointed. This always applies when insurance companies increase the premiums without expanding the scope of the insurance benefits or after damage to the car. Then you are also free to cancel your car insurance or change insurance at any time during the year.
And every time you change vehicles, you can change insurance – even outside of the regular notice period at the end of the year. This allows you opt for another, cheaper insurance when registering the new vehicle. Because the insurance for your previous car ends when you sell it.
Changing car insurance: It’s that easy
For example, changing vehicles is always an ideal way to switch to cheaper car insurance. Your new car insurance takes over the previous no-claims discounts from the old insurance and transfers it to the new contract. Your last premium invoice from your former car insurance company is sufficient as proof for the new insurance company. However, make sure that the newly selected insurance tariff also offers the required protection.
Whether by letter, e-mail or simply online: There are different ways to switch. Comparison portals like CHECK24 even offer that Service to cancel the order with the old car insurance and to take care of all related modalities.