Cancel car insurance after the deadline?

There are a few options

Created: 11/25/2022, 06:00

By: Sebastian Oppenheimer

As a rule, the car insurance must be changed by the end of November.

But there are still options after that.

Even those who let the deadline for terminating the car insurance pass often still get out of the contract.

About a price increase.

But this is often not immediately recognizable.

The car insurance can only be canceled without any conditions until November 30th – namely one month before the usual end of the contract.

Many customers take advantage of this and secure the low-priced lure offers of the competition in the fall - a change can save a lot of money.

Anyone who misses the deadline is tied to their insurance company for another year – unless they increase the premium.

In this case, you have the right to extraordinary termination of the contract.

The deadline is then extended to the end of December.

Cancel car insurance after the deadline?

There are a few options

However, customers must first notice the increase in the so-called basic contribution.

Because the increase is in many cases covered by a better classification in the no-claims or regional class.

The customer then effectively pays no more or even less - but overlooks the fact that he could actually pay even less.

In order to make price increases more transparent, fair insurance companies show the so-called comparative contribution in the invoice.

This indicates how much the customer would have to pay due to the better no-claims class if all other contributions remained unchanged.

However, not all insurance companies work transparently.

The information is often found in illogical places, only in the small print or even not at all.

In some cases, the car insurance can also be changed after the deadline.

(Iconic image) © Jonas Walzberg/Imago

On the way to the fifth star: You can find everything about the soccer World Cup in Qatar in our eMagazine – get it now for free!

Cancel car insurance after the deadline?

There is a four-week window after a claim

There are also other situations in which an extraordinary termination is possible.

You can cancel after a claim.

Regardless of whether the insurance company has settled the damage completely, partially or not at all.

If the matter has been processed, the contract may be terminated within four weeks.

The car insurance can be changed at any time when changing vehicles.

Because if you buy a new car, you don't have to stay with the old insurance company.

The insurance automatically expires on the day the car is deregistered.

If it remains registered and is sold, the insurance is transferred to the buyer of the vehicle.

This can cancel the car insurance - which will be more expensive for millions of drivers in the coming year - within a month.

also read

Driving the car on reserve: TÜV experts warn of damage to the car

Audi loses major suppliers – these are the consequences now

Control lamps and warning lights in the car: what they mean

View photo gallery

You can find even more exciting car topics in the free newsletter from our partner 24auto.de.

Those who make use of the special right of termination should always send the notification by registered mail.

Even if termination by fax or e-mail would be possible according to the terms and conditions of the insurance company.

In this way, it can be proven in any case that the letter was received on time.