Deadlines and tips
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Terminate car insurance correctly
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Consumers can also change their car insurance from December 1st, i.e. after the deadline (symbol image).
Photo: dpa-tmn / Christin Klose
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Heidelberg Drivers who are looking for cheaper car insurance and therefore want to turn their backs on their previous ones should keep a few deadlines and tips in mind.
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Most auto insurance contracts end on December 31 of each year. Therefore, the cancellation of the car insurance, taking into account the one-month notice period, must be received by the insurer no later than November 30th. The comparison portal Verivox in Heidelberg draws attention to this. According to the experts, “the savings potential has never been so great this year”. Those who compare tariffs can reduce the contribution by an average of a quarter.
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But be careful: For some insurers, the insurance year corresponds to a time year of twelve months. This means: A car insurance started on July 1st cannot be canceled on December 31st, but only on June 30th of the following year. In this case, the letter of termination must be received by the insurer by 31 May at the latest. If in doubt, the insured should therefore check their contract documents.
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You should pay attention to these formalities so that the termination goes smoothly:
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- Registered mail: If you want to be absolutely sure, you can cancel by registered mail. To ensure that the letter arrives on November 30th, it should be posted by November 26th at the latest.
- E-mail: Contracts that were concluded after October 1, 2016 can be terminated by e-mail.
- Fax: Cancellation by fax is still possible on November 30th.
- Finally, the cancellation can be submitted to a branch of the insurer up to the key date against confirmation.
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In addition to your own address, the notice of termination should contain the insurance number and the vehicle’s official license plate number. Verivox insurance experts recommend that the new one should already be dry before terminating the old contract.
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Consumers can also change their car insurance from December 1st, after the deadline. A special right of termination always exists if the insurer increases the premiums or changes the terms and conditions. The policyholder can withdraw from the contract within one month of receiving notification of the more expensive premium.
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In addition, the insured person can terminate the contract after a claim – regardless of whether the insurer regulates the claim or not. If the insured person changes his vehicle within the contract period, he can also get out of the contract.
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