How to cancel your car insurance

It is fairly easy to change your car insurance – if you take note of a few points. Find out what opportunities you have if you want to ancel your car insurance.

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Cancelling your car insurance on expiration of the contract

Date of cancellation

If no annual right of termination was agreed, you may terminate the contract to the end of the third insurance year or of each subsequent insurance year.

Notice period

The notice period for car insurances is generally three months. Your contract may give a different notice period. So make sure to check the notice period specified in your insurance policy or in your Standard Terms of Insurance (STI). Your notice of cancellation must reach your insurer no later than the last day before the notice period starts to run.

Letter of cancellation

You can submit the termination in writing or in another text form. Attached is a termination template as an aid.

Download cancellation template

Date of cancellation

If no annual right of termination was agreed, you may terminate the contract to the end of the third insurance year or of each subsequent insurance year.

Notice period

Letter of cancellation

You can submit the termination in writing or in another text form. Attached is a termination template as an aid.

Download cancellation template

When can I actually change my car insurance?

In addition to the above-mentioned termination deadlines, you can change your insurance in the following cases too.

Change of vehicle

Whenever you change your car, you can cancel your existing car insurance and get an insurance with a new provider. Any unused portion of the premium you paid in advance is refunded.

Change of owner

The liability insurance is transferred to a new owner. The new owner can cancel the contract within 30 days of the change of ownership.

Premium increase

Another opportunity is to cancel your car insurance when your car insurer announces an increase of premiums in the following year. The cancellation notice must reach your car insurer no later than the last day of the current insurance year.

In the event of a claim

Following a claim for which the car insurance triggers a payment, the car owner can change car insurance. You must terminate the contract at the latest when you are informed of the payment. The contract will end 14 days after we have received your notice of termination. Any unused portion of the premium paid in advance is refunded, provided the contract has been in force for more than one year and the claim was not for a total loss.