For most vehicle owners, motor vehicle insurance represents a significant cost factor over the course of the year. In this context, the offers of insurance companies often differ extremely in terms of price and performance. But the providers also differ when it comes to customer service. It is therefore worth comparing the tariffs available to choose from, not just before taking out car insurance.
If the current insurer increases its premiums or the vehicle owner has reported a claim, it is also useful to compare the available offers. In this way, a provider with significantly better services and a cheaper tariff can often be found. In this case, it is definitely worthwhile to change your current car insurance policy. For this reason, it is not surprising that a large number of customers frequently switch providers in this area. However, with regard to the deadlines and the procedure, some important aspects must be observed.
More information on changing car insurance
The easy change of car insurance
Those who are faced with a premium increase with their current provider can sometimes still avert this through clever negotiation tactics. If this is not possible, it is advisable to change your vehicle insurance in order to continue to benefit from advantageous tariffs. Timely information and action are crucial, as for most insurers the November 30th as the reference date applies to the termination and to a change. By this date, the previous insurance company must receive the cancellation in writing, either by post or fax. Those who fail to meet this deadline have to wait until next year. Due to this special deadline, some insurers send the premium invoice relatively late at the end of the year. This makes it more difficult for customers to compare premiums and change contracts at an early stage. As soon as the existing contract has been properly terminated, it will end on January 1st. New insurance is required for the vehicle up to this point. Furthermore, a change of insurance can also make sense when changing the vehicle.
Correct procedure when changing insurance
If you do not want to be in acute time pressure, you should actively research a few weeks before the deadline. The insurance company often makes a cheaper offer to the customer who is willing to switch if the termination is timely. In this case, the planned change may not be necessary. However, if there is general dissatisfaction with the provider and its services, changing insurance is inevitable. The accompanying documents are necessary for the comparison of the tariffs and the final change. This includes the driver’s license, which provides information on how long the vehicle owner has been allowed to drive a car. In addition, the vehicle registration document must be available, which contains information on the manufacturer and model of the current vehicle. In this regard, the mileage of the vehicle is also a decisive factor for checking the annual mileage. The last premium statement of the current motor vehicle insurance is also decisive, since in this the No claims class is listed. In order to query the no-claims discount from the previous insurer, the new provider also needs the current contract number. With the help of this information and documents, it is possible to change vehicle insurance on time without any problems.
– .
