800,000+ customers
92% recommend us
30 locations
contracted care

Switching car insurance

Do you want cheap car insurance? Or have you bought a new car? Many people stay with the same insurer for a long time, but that is often not the most economical option. Switching car insurance is usually cheaper if your situation changes. By switching you keep money and stay well insured.

To calculate premiums, we need the zip code of the primary driver. For private use, the youngest driver must reside at the same address as the applicant. In case of business use, you can enter the postal code of the company here.
Settled in two minutes

14 days reflection period

Try our product risk-free with the 14-day satisfaction guarantee

A wide range

We compare most insurers for you

Help from our experts

Can't figure it out? Our experts are always ready to help you

7 reasons why switching car insurance can be smart

There are plenty of reasons to switch from car insurance switching. The main reason for most people is a cheaper premium. Perhaps another insurer offers the same coverage for less money, or your current insurance no longer fits because your car is outdated and you have different needs.

Switching can be smart in these situations:

1

Lower premium

Insurers charge different rates. By switching, you can often save tens of dollars per month.

2

Better coverage

A new insurer may offer better terms or extras such as replacement transportation or roadside assistance.

3

Making better use of claim-free years

Some insurers calculate with a different bonus-malus table that makes your claim-free years more discountable.

4

Situations change

Did you move, drive fewer miles or buy a different car? Moving to another region or a different model of car can make car insurance more expensive or cheaper.

5

Additional options or packages

New insurers sometimes offer additional coverages that your current one does not have, such as coverage for accessories or legal expenses.

6

Faster claims handling

Not satisfied with claims service? Then switching to a more customer-friendly insurer can prevent a lot of frustration.

7

Long time no car insurance comparison

If you've had the same insurance for years, you're probably more expensive than necessary. The market changes quickly so comparing almost always pays off.

Which insurance is right for you now?

Switching after a premium increase

If your insurer decides to increase the premium generally, you can switch car insurance or terminate the insurance. You may do this from the date the increase takes effect. You must usually notify the insurer within 30 days of the effective date of the increase.

The price of car insurance can increase at different times, depending on the insurer. Often this happens at the end of the insurance year when the contract is renewed.

Switching after policy conditions change

If your insurer changes the rules of your car insurance, you may stop the insurance and choose another provider. This applies, for example, if the coverage changes, the conditions become stricter or new things are no longer insured.

It's smart to always check when policy conditions change to see if the new rules still suit you. Do you disagree with the changes, or find insurance with better terms elsewhere? Then this is the right time to switch.

The insurer usually lets you know in advance in writing what changes are coming and when they will take effect. From then on, you usually have 30 days to cancel your insurance for free. You don't have to wait until the end of the contract year to do this.

Switching after damage

If you make a claim, you will lose 5 claim-free years and receive less premium discount, raising your monthly premium. Therefore, it is often more beneficial to switch car insurance to save money, or fit the policy conditions of another insurer better suit what you are looking for.

Keep in mind the notice period of your current car insurance. In case of a premium increase due to damage, you cannot cancel immediately without notice as you can with a general premium increase.

Switching after negative claim-free years

Do you file a claim? Then you lose 5 claim-free years. Do you have less than 0 claim-free years as a result? Then you will get a malus registration (negative claim-free years). With a malus registration it is usually not wise to switch to another car insurance.

If you have negative claim-free years, chances are slim that you will find cheaper insurance than you currently have. Also, few insurers will accept an application if you have a malus registration. Therefore, it is often smarter to stay with your current insurer or intermediary. Switching car insurance is then usually more expensive.

Here's how switching car insurance works

To make switching car insurance even easier, we have created a simple step-by-step plan:

Step 1. Determine your desired coverage

Many new cars have all-risk insurance. Older cars usually have WA or WA limited casco insurance. The all-risk insurance (also called WA casco) is the most expensive, but also offers the most comprehensive coverage. With this, your insurer pays not only the damage to the other party, but also the damage to your own car. With WA insurance, only the damage to the other party is compensated.

The WA limited hull insurance is in between. This insurance offers extra coverage, for example in case of storm damage, theft or a collision with stray animals. To compare properly, it is important to know what coverage you currently have and what premium you pay for it.

Check out all the tips on how to find a new car insurance policy.

Step 2. Compare car insurance policies.

Many new cars have all-risk insurance. Older cars usually have WA or WA limited casco insurance. The all-risk insurance (also called WA casco) is the most expensive, but also offers the most comprehensive coverage. With this, your insurer pays not only the damage to the other party, but also the damage to your own car. With WA insurance, only the damage to the other party is compensated.

The WA limited hull insurance is in between. This insurance offers extra coverage, for example in case of storm damage, theft or a collision with stray animals. To compare properly, it is important to know what coverage you currently have and what premium you pay for it.

Check out all the tips on how to find a new car insurance policy.

Step 3. Closing and cancellation

The last step is to take out your new car insurance. Fill in your personal information and close the insurance directly. To do this, you will need your car's license plate number and registration code.

Help switching car insurance

We can help you cancel your current car insurance policy. Just contact us and we'll make sure your old and new insurance are properly matched. That way you don't pay double and you're always insured. This makes switching over easy and hassle-free.

Calculate your car insurance premium right away!

To calculate premiums, we need the zip code of the primary driver. For private use, the youngest driver must reside at the same address as the applicant. In case of business use, you can enter the postal code of the company here.
Settled in two minutes

Never underinsured

Put together your own package

A wide range

We compare all insurers for you, saves time again

Help from our experts

Can't figure it out? Our experts are always ready to help you

Frequently asked questions about switching car insurance

When can I switch car insurance?

You can switch at any time if your insurance is cancelable monthly. Otherwise, it can be at the end of the contract year or after a premium increase or change in terms and conditions. Check your policy for the exact notice period.

Is switching car insurance cheaper?

Often they do. Insurers have different rates and conditions. By comparing and switching, you can sometimes save dozens of dollars a month on your premium.

What do I need to arrange if I want to switch?

First, determine your desired coverage, compare insurance policies and take out the new policy. Don't forget to cancel your old insurance in a timely manner. Many providers offer assistance with this switch.

How long does switching car insurance take?

A switch can often be arranged within one day. Keep in mind the notice period of your current insurance. Some insurances can be cancelled monthly, others only at the end of the year.

Do I have to cancel my old car insurance myself?

Yes, unless your new insurer arranges this for you. Always check that your old insurance has been properly cancelled to avoid duplicate charges and ensure continuity of coverage.

We can be reached via chat, WhatsApp, phone or email

Questions? Contact us if you want to know more.
We are here today until 6 p.m.

Get in touch