Skip to content
Emergency

Insurance is getting more expensive: special right of termination on a premium increase

If an insurer raises the premium without the benefit improving accordingly, you generally have a special right of termination. This applies to many lines (for example car, contents, liability). What matters is the short deadline from receipt of the notice.

Reach your next steps and the matching ready-made texts in just a few minutes, free of charge:

Create a special termination →

Your chances of getting your money back

In case of a premium increase without a corresponding additional benefit, you can generally terminate the contract extraordinarily, usually within one month of receiving the increase notice.
The special right of termination applies regardless of the regular contract term. Make sure that no gap in insurance cover arises when switching (especially with mandatory insurance such as car cover).

What you should do now

  1. 1

    1. Check the notice

    Is it a pure premium increase without an improvement in benefits? Then a special right of termination usually exists.

  2. 2

    2. Observe the deadline

    Terminate within the (usually one-month) deadline from receipt of the increase notice.

  3. 3

    3. Declare the special termination

    Declare the termination in writing and expressly rely on the premium increase.

  4. 4

    4. Switch seamlessly

    When switching, ensure uninterrupted cover, especially with mandatory insurance conclude the new contract in time.

How to spot the scam

  • The increase is disguised as an alleged 'adjustment'.
  • The short special termination deadline is overlooked.
  • A cover gap arises when switching.

Frequently asked questions

Do I have a special right of termination on every premium increase?

Generally yes, if the premium rises without the benefit improving accordingly. This applies to many lines. The insurer usually has to point out the special right of termination to you.

Which deadline applies?

Usually one month from receipt of the notice of the premium increase. The right exists regardless of the regular contract term. Do not miss the deadline.

What do I have to watch out for when switching?

Uninterrupted insurance cover. With mandatory insurance such as car liability, you have to conclude the new contract in time so that no cover gap arises.

Take action now

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

Create a special terminationCheck a suspicious message
More help: Emergency by phone · Act together · Right to a lawyer · All guides

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.