Switching car insurance

If your insurer decides to increase the premium generally, you can switch car insurance or terminate the insurance. This is allowed from the date on which the increase takes effect. You usually have to report this to the insurer within 30 days after the effective date of the increase.

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

If your insurer changes the rules of your car insurance, you may cancel 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 is wise to always check if the new rules still suit you when the policy conditions change. Do you disagree with the changes, or do you find an insurance with better conditions somewhere else? Then this is the right time to switch.

The insurer will usually inform you in advance in writing of the changes and when they will take effect. From that moment on, you usually have 30 days to cancel your insurance free of charge. You do not have to wait until the end of the contract year for this.

If you file a claim, you lose 5 claim-free years and receive less premium discount, which increases your monthly premium. That is why it is often more advantageous to switch car insurance to save money, or the policy conditions of another insurer are better suited to what you are looking for.

Please take into account the notice period of your current car insurance . In the event of a premium increase due to damage, you cannot cancel immediately without notice, as you can with a general premium increase.

Are you filing a claim? Then you lose 5 claim-free years. Do you have less than 0 claim-free years as a result? Then you 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, the chance that you will find a cheaper insurance than you have now is small. Also, few insurers will accept an application if you have a malus registration. That is why it is often smarter to stay with your current insurer or broker. Switching car insurance is then usually more expensive.

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

Often yes. Insurers use different rates and conditions. By comparing and switching, you can sometimes save tens of euros per month on your premium.

First determine your desired coverage, compare insurances and take out the new policy. Do not forget to cancel your old insurance in time. Many providers offer assistance with this transition.

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

Yes, unless your new insurer arranges this for you. Always check whether your old insurance has been cancelled correctly to avoid double costs and to ensure continuity of coverage.