Car insurance until November 30th cancel
Now change quickly: These are the test winners in car insurance
26.11.2020 | 22:43
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If you want to terminate your current contract, you only have a few days left: Stiftung Warentest has already done some of the work for you: What is important in the comparison – and which tariffs do best.
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The letter must reach the insurer by November 30th at the latest. An informal letter is sufficient, but you should provide important information such as your name, address, date, insurance number and the car registration number and ask for a confirmation of cancellation. “If you want to be on the safe side, send a registered letter with acknowledgment of receipt,” advise the financial experts at Stiftung Warentest.
Have you met the deadline, is the termination effective as of December 31. As long as you are insured, you can compare offers and look for a new provider.
Important: If your previous insurer increases the premium for the next year, you can also cancel after November 30th. The period is four weeks and begins on the day on which you received the corresponding letter.
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Three tariff groups: motor vehicle liability, partially comprehensive and fully comprehensive
The testers overall did 160 tariffs from 71 insurers scrutinized and their prices compared. They followed the classic division into three different tariff groups. Basically, the insurers differentiate as follows:
- The Motor vehicle liability is required by law. It covers damage to other road users if you have caused an accident. Damage to your own car, however, will not be reimbursed.
- The Partial coverage is voluntary: Damage to your own car caused by storms, hail, broken glass, theft, accidents with wildlife or animal bites is also reimbursed.
- The Fully comprehensive goes one step further: in addition to partially comprehensive coverage, the insurer also covers damage to your own car if you cause an accident.
To examine the specific offers, the testers compared annual premiums for 2021 for customers aged 20 years (with no-claims class 2), 40 years (with no-claims class 15) and 70 years (with no-claims class 30).
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Average prices with several cars were calculated for each tariff group
A single driver who drives 15,000 kilometers per year and lives in a middle regional class was always calculated. You neither own a house nor a garage and there are no other contracts with the insurer.
In order to obtain representative values, the premium level of eight different, ten-year-olds was used for liability used cars and the maximum coverage (usually 50 or 100 million euros) is assumed. With partial coverage, there are eight six-year-old used cars, with full coverage, eight new car types often sold in the first half of 2020.
“Far better than average”: These are the test winners
Here you can see the cheapest tariffs, which scored “far better than average” in the study.
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The best tariffs for 70 year olds
… liability:
- Axa Easy: Mobile Online (S), Mobile Online Extra (M), Mobile Online Top (L)
- DA Direkt: comfort, comfort plus
- Europe: Comfort
- Huk24: Classic
… liability plus partial coverage:
- Axa Easy: Mobil Online Extra (M), Mobil Online Top (L)
- DA Direkt: comfort, comfort plus
- Europe: Comfort
- Huk24: Classic
- Huk-Coburg: Classic
- Verti: classic, premium
… liability plus fully comprehensive insurance:
- Allianz Direct (Allianz): Comfort
- Axa Easy: Mobil Online Extra (M)
- Axa Easy: Mobile Online Top (L)
- DA Direkt: comfort, comfort plus
- Europe: Comfort
- Friday
- Huk24: Classic, Classic Kasko Plus
- Verti: classic, premium
The details decide: you should definitely compare yourself
A detailed list of all tested offers can be found at Finanztest online or in the current printed edition. Of course, not all tariffs are listed there either – so you can hardly avoid a personal comparison. Especially since the investigation certainly provides a good overview and provides an initial selection. But when things get specific, it depends on the details: “In individual cases, another offer can be the cheapest in terms of price, as many individual factors are incorporated,” emphasize the testers themselves.
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Thanks to modern comparison calculators on the Internet, the effort required to find the most suitable tariff for you is now relatively manageable: With just a few clicks you can easily save hundreds of euros. All you need for this is the relevant data of your vehicle – which can be found in the vehicle registration document or in the documents of your previous insurance company.
Finanztest recommends these services for every car insurance company
In any case, you should make sure that the tariff you are considering does not leave you in one place or another in an emergency. The experts from Finanztest include the following points:
- A Maximum coverage of at least 100 million euros, for personal injury 15 million. Because if you have an accident that is more expensive than the legally prescribed 1.22 million euros, you have to pay for anything that goes beyond that yourself. You only pay a few euros for the higher coverage – an extra charge that is definitely worth it.
- Should be in the comprehensive insurance at least twelve months new price compensation be valid. The background to this is that new cars lose a lot of their value immediately after they are bought. If you have an accident in the first year after purchase, the insurer will reimburse you for the price that you paid yourself. Some tariffs even offer 24 months reimbursement for new prices.
- In the case of game damage, the small print counts: the insurance should not only pay for wild game, but “All animals” or “all vertebrates” in the contract call.
- At Marten bites should at least 5000 euros for consequential damage be provided.
- The tariff should also cover gross negligence. Otherwise you may be left without the help of the insurance company if, for example, you miss a red traffic light and cause an accident as a result.
Read more about car insurance and changing providers:
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