Insurer cancels after a claim: is that allowed?
You reported a claim, and shortly afterward the insurer cancels the contract? After a claim this is generally permitted, but has limits. It is important that you are not left without insurance cover.
Reach your next steps and the matching ready-made texts in just a few minutes, free of charge:
Cancellation / new policy →Your chances of getting your money back
What you should do now
- 1
1. Check the cancellation
Was it cancelled on time and in temporal connection with the claim? A late cancellation can be invalid.
- 2
2. Secure the claim settlement
The cancellation does not change your claim from the already reported case; continue to pursue the settlement.
- 3
3. Get new cover
Take out a new contract in good time so that no insurance cover is missing, especially for compulsory insurance.
- 4
4. Consider your own cancellation
You too can cancel after the claim if you want to switch provider.
Frequently asked questions
May the insurer cancel after a claim?
Yes, after an insured event there is a mutual special right to cancel (§ 92 VVG). But the insurer must cancel on time and in temporal connection. Your claim from the already reported case remains unaffected by the cancellation.
What if it is compulsory insurance?
Then you may not remain without cover. In the motor sector there is generally an obligation to accept (contracting obligation) for liability insurers, so you will usually get insurance cover again even after a cancellation. Take care of a new policy in good time.
Take action now
We put together the ready-made texts and the right places to contact for you.
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.