Double insured: spot and terminate redundant insurance

Many people pay twice without noticing, for example for a separate phone insurance that is already included in the contents cover, or for several liability policies. With indemnity insurance, double insurance does not lead to double payment. It is worth checking contracts and terminating what is redundant.

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Your chances of getting your money back

With double insurance against the same risk, you do not receive money twice in the event of a loss, the insurers share the payment. So a second contract often brings no added value, but costs a premium.

If you spot a genuine double insurance, you can generally end the redundant contract, at the next termination date, and in certain constellations even with a special right of termination.

What you should do now

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1. List the contracts
Get an overview of your policies and which risks they cover.
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2. Find overlaps
Look for double cover (for example phone in contents plus a separate policy, several liability policies).
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3. Keep the sensible contract
Keep the cheaper or better contract and terminate the redundant one.
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4. Terminate on time
Terminate at the next possible date. Check whether a special right of termination (for example after a premium increase) applies.

How to spot the scam

You pay a separate policy for something already included in another insurance.
Several liability or contents contracts run in parallel.
In the event of a loss, both insurers point to each other.

Frequently asked questions

Do I get double money with double insurance?

No. With an indemnity insurance against the same risk, the loss is only compensated once in total; the insurers share the payment. A second contract therefore usually brings no added value.

Which insurance should I terminate?

The redundant, more expensive or worse contract. Keep the one that offers better protection or cheaper conditions. Check beforehand whether both really cover the same risk.

Can I terminate immediately?

Generally at the next ordinary termination date. In certain cases, for example after a premium increase or with a genuine double insurance, a special right of termination can exist. Check your terms.

Take action now

We put together the ready-made texts and the right places to contact for you.

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General information for self-help, not legal advice (RDG). In case of a high loss or uncertainty: contact a consumer advice center or a lawyer.