Switching car insurance: deadline and special termination

Most car insurance policies run with the calendar year. Anyone wanting to switch must observe the ordinary notice period; the deadline is usually November 30. Alongside this, there are special termination rights, for instance after a premium increase or a claim.

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For an insurance year that corresponds to the calendar year, the ordinary termination must be received by November 30 at the latest, so that the contract ends at the end of the year.

Independently of this, a special termination right arises if the insurer increases the premium or after a claim. Then you can also switch outside the deadline.

What you should do now

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1. Check the contract
Look at when your insurance year ends and which deadline applies.
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2. Meet the deadline
Cancel on time, generally by November 30, in writing and verifiably.
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3. Use special cases
In case of a premium increase or after a claim, use the special termination right.
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4. Switch without a gap
Ensure seamless insurance cover with the new provider.

How to spot the scam

The cancellation is received after the deadline.
A premium increase is accepted without using the special termination right.
A coverage gap arises between the old and new contract.

Frequently asked questions

By when do I have to cancel the car insurance?

If your insurance year corresponds to the calendar year, generally by November 30, so that the contract ends on December 31. What matters is the receipt of the cancellation, not the date of sending. Check your specific insurance year.

Can I also switch outside the deadline?

Yes, with a special termination right. It typically arises in case of a premium increase without additional benefit or after a claim. Then you can also cancel and switch mid-year within the provided deadline.

What do I have to watch out for when switching?

A seamless transition: the new contract should connect without a gap. Also pay attention to the transfer of the no-claims class and compare not only the price but also the benefits and deductibles.

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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.