Find out more about car insurance cancellation periods here and use our free cancellation template to switch car insurance companies.
How to cancel your car insurance
The cancellation of the car insurance must always be done by the policyholder.
Cancellations of a car insurance contract should always be in writing and if possible by "registered mail with return receipt" occur.
When cancelling your car insurance, be sure to observe the applicable notice periods!
Notice period for ordinary termination
The ordinary termination of a car insurance policy always takes place at the end of the contract (in most cases at the end of the insurance year, if the insurance year is linked to the calendar year) with a notice period of 4 weeks.
So that you in most cases the car insurance until the deadline 30.11. Can cancel to go to 01.01. change to a cheaper car insurance in the following year.
A template for the cancellation of the car insurance we provide you here free of charge as a download.
With this cancellation form you can cancel your car insurance quickly and easily.
" Cancellation form for car insurance
Notice period for extraordinary termination
An extraordinary termination of the car insurance is still possible after the deadline of 30.11 possible, z.B. If your car insurance company has settled a claim or the premiums for car insurance at the 01.01 of the following year increased.
Also with the special right of termination due to premium increase, there is a notice period of 4 weeks to be observed, the notice period begins from the receipt of the premium invoice with the notice of the increase in insurance premiums.
Example: If you receive next year's premium bill with a higher premium on 15. December received, you can still until 15. January of the following year the motor vehicle insurance due to the besethenden special right of termination due to premium increase terminate.
This cancellation possibility exists within the scope of the legislation. In practice, however, only theoretically, because:
Which car insurance can be voluntarily on a retroactive insurance start to 01.01. an?
Only very few insurance companies with different cut-off dates for retroactive contract conclusion.
Important: In practice, you can with most insurance companies until the deadline: 31.12. take out a new motor vehicle insurance or. Request!
In the extraordinary termination always state the reason why you terminate the car insurance, otherwise the insurance company must not recognize their special termination right and can reject the expressed termination of the car insurance as unfounded.
" Cancellation form for car insurance
30. November Deadline for termination
Important information about changing car insurance in 2016
This year, the cancellation date for car insurance falls on a Monday. The cancellation of the motor insurance should therefore be sent early to the motor insurer.
Cancel car insurance in good time
Since the deadline for the change of car insurance was 30.11. If the cancellation date falls on a Monday, the written cancellation of the car insurance policy should be sent in good time, because only by sending the cancellation letter in good time can the risk of a cancellation rejection be eliminated.
If the notice of termination is not received until Tuesday, 1.12. is received by the car insurer, the car insurer will no longer accept your cancellation and will reject it on the grounds of non-compliance with the statutory notice period!
This is also the recommendation of the German Insurance Association e.V. (GDV) according to which the insurers are bound to the 30.11 should be fixed as the cut-off date.
So notice of cancellation must be received by the insurer by 30. November have been received!
We therefore recommend that you give notice of termination no later than 27. November to be sent by registered mail with return receipt to the car insurer. This is the only way to prove timely receipt of the cancellation letter by the car insurer!
The termination of the motor vehicle insurance is with a planned change of insurance on 01. January necessary!
Provided your car insurance to the 01.01. want to change, it is essential that you cancel the existing contract in time.
Cancellation by us or the new car insurer cannot take place for legal reasons.
Therefore, please remember to send the car insurance cancellation in time to your car insurer, so that you get the desired new car insurance.