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.

Calculate premium

Go to car insurance

Calculate premium

Go to car insurance

Cancelling your car insurance on expiration of the contract

The contractually agreed term of insurance specified in the policy applies. That is the date on which you can cancel your car insurance. If you do not cancel your contract on this date, in most cases the contract is renewed for a further year.

Date of cancellation

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 insurer’s corresponding 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. The date of the postmark as the last possible day is not sufficient.

Letter of cancellation

Cancellation notices are generally sent by registered mail. In any case, they have to be in writing. Ask the insurer to confirm your letter of cancellation to ensure it has been received and accepted.

Download cancellation template

Download cancellation template

When can I actually change my car insurance?

Car insurance is subject to a fixed contractual period. Taking the period of notice into account, you can change your car insurance.

If you miss the date, the contract will be renewed for another year. In addition to the regular procedure, 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.