Car insurance change

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REGION – “Those who want to change their car insurance before the onset of winter must hurry: On 30. November is the annual changeover deadline for many policyholders. That’s why the ACE, Germany’s second-largest car club, advises: “Anyone who is thinking about changing their car insurance should now use the time to compare insurance and, if necessary, cancel their existing insurance in good time,” shares the press spokesman, Anton Hofmann, from the Main-Kinzig district& Wetterau with.

Define needs& Comparing services

Most car insurance companies offer a comprehensive range of services, and quite a few also offer other supplementary insurance products. When making comparisons, therefore, it is not only the level of the insurance premium that should be the decisive factor, because unnecessary or unintentionally included benefits often drive up the price of an insurance policy. The more precisely the individual needs and demands on the insurance benefits are defined, the more precisely the suitable product can be sought, advises the ACE representative. Knowing as precisely as possible what is needed and wanted not only saves money, but also protects against unpleasant surprises in the event of a claim.

How does an insurance change work?

Car insurance can usually only be changed once a year. Deadline for this is in most cases the 30. November. Since the termination at the insurer until 30.11. to be effective, the notice of termination should be sent a few days in advance by fax or by registered mail with return receipt. Anton Hofmann gives another important hint: After the 01. October 2016 concluded contracts can also be terminated without signature by e-mail. It is important to ensure that the sender can be clearly identified by the insurer. This can be ensured by providing personal data, in particular name, address, telephone number, customer number and insurance number. The e-mail sent should also always be saved as proof.

The period of notice is usually the period of a complete month. Example: A contract that expires on 31. December ends, must at the latest on 30. November must be terminated. Regardless of the cut-off date, ACE advises sending a notice of termination early and documenting the date of dispatch. It is also worth checking whether the 30.11. is actually the cut-off date for changing one’s own car insurance, the ACE recommends. Because even if most motor vehicle insurances are terminated on 31 December.12. of each year, there are also contracts with a different end date.

All-year special notice right consider

If the change period is missed, at least with a price increase a special notice right exists: If the contract became more expensive, insured ones have after receipt of calculation a month time, in order to quit the contract, so the ACE press speaker in the circle Main Kinzig and Wetterau. Important: A price increase is often difficult to recognize at first glance. The so-called damage liberty discount flows usually into the computation, although it does not concern each insured one. The comparative premium shows whether there is actually an increase in premiums. This shows what you have to pay if nothing changes. If this has increased, the special right of termination applies. The special right of termination also applies in certain other cases, such as when a vehicle is changed or in the event of a claim.

When is the change worthwhile?

Especially shortly before the end of the change period on 30.11. consumers benefit from the increasing competition between insurers. Therefore, now is a good time to inquire about and compare current insurance rates for your own car. After that, please do not forget to take out the new insurance also to ensure a seamless transition of the.

“Anyone who wants to change their car insurance before the onset of winter must hurry: On 30. November is the annual deadline for many policyholders to change their insurance. Therefore the ACE, of Germany second largest autoclub guesses: Who thinks about a change of the Kfz insurance, should use now the time for the insurance comparison and if necessary its existing insurance in time quit ” communicates the press speaker, Anton yard man, of the circle Main Kinzig& Wetterau with.

Define needs& Compare benefits

Most motor vehicle insurance companies offer a comprehensive range of benefits, and quite a few also offer additional supplementary insurances. When making a comparison, therefore, it is not only the amount of the insurance premium that should be the decisive factor, because unnecessary or unintentionally included benefits often drive up the price of an insurance policy. The more precisely the individual needs and demands on the insurance performance are defined, the more precisely the suitable product can be searched for, advises the ACE representative. As exact as possible knowledge over that, which is needed and desired, saves not only money, but protects in the case of damage besides against unpleasant surprises.

How does a change of insurance?

A change of car insurance is usually only possible once a year. Deadline for this is in most cases the 30. November. Since the termination at the insurer until 30.11. must be present, in order to be effective, the notice should be dispatched some days before by fax or by registered letter with return receipt. Anton Hofmann gives still another important reference: After 01. October 2016, contracts concluded can also be terminated without a signature by e-mail. Here it is to be noted that the sender is clearly identifiable with the insurer. This can be ensured by providing personal data, in particular the name, address, telephone, customer and insurance number. The e-mail sent should also always be saved as evidence.

The period of notice is usually one complete month. Example: A contract that expires on 31. December ends, must at the latest on 30. November to be cancelled. Regardless of the deadline, ACE advises sending a notice of cancellation early and documenting the date of mailing. It is also worth checking whether the 30.11. is actually the deadline for changing one’s own motor vehicle insurance, the ACE recommends. Because even if most motor vehicle insurances to 31.12. of each year end, there are also contracts with a different end date.

Observe special right of termination throughout the year

If the change deadline is missed, there is at least a special right of termination in the event of a price increase: If the contract has become more expensive, insured persons have one month after receipt of the invoice to terminate the contract, according to the ACE press spokesman in the Main-Kinzig and Wetterau district. Important: A price increase is often difficult to recognize at first glance. The so-called no-claims bonus is usually included in the calculation, although it does not affect every insured person. The comparative contribution shows whether there is actually an increase in contributions. This shows what you have to pay if nothing changes. If this has increased, the special right of termination applies. The special right of termination also applies in certain other cases, such as a change of vehicle or the occurrence of a claim.

When is it worth switching??

In particular, contracts concluded shortly before the end of the switching period on 30.11. Consumers benefit from the intensifying competition among insurers. Therefore, now is a good time to inquire about and compare current insurance rates for your car. Afterwards, please don’t forget to take out the new insurance as well to ensure a seamless transition of the. (pm) +++

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