Tips and step-by-step instructions here in our guide to change car insurance
It pays to put your own car insurance regularly to the test. Many drivers save a lot of money. You think that is expensive? On the contrary. The effort is low and above all: worthwhile. Consistent or better protection at lower costs due to the change of motor insurance? We show how it works!
How to change car insurance? - Guide with step-by-step instructions
Compare fares: Compare several insurance rates to find the right insurance cover. Take a close look not only at the contributions, but above all at the benefits. Also, check if a timely and thus smooth insurance change is possible. How to compare rates correctly, read our article "5-Minuten-Tarifcheck".
Get several offers: After comparing prices and services of the various tariffs, you can send us non-binding offers. At Verti, you can easily do this through our quote calculator. If you have any questions, it is best to call the insurance customer service.
Complete new insurance: Tell the new insurer when to start the car insurance contract. Usually after the conclusion of the new contract, the documents will be sent to you within one to two days.
Cancel an old car insurance contract: When you do this depends on how much time you have available for the change of insurance. You can cancel first and then look for a new insurance in peace. Or you cancel your old car insurance only after your new contract has been completed. Be sure to comply with the notice period.
Procedure: Change of car insurance on termination before the cut-off date
The usual contract period in motor insurance is one year. Many motor insurers have their tariffs coupled to the calendar year. Thus, a change of car insurance often takes place on 1 January of the following year. However, you can and should complete your new car insurance sooner.
Important: The contracts for motor insurance run at Verti for one year and are not linked to the calendar year. For example, leave your vehicle on 20.10. to, then your contract runs until 20.10. of the following year.
A change of insurance requires that the existing insurance cover has been terminated in due time (one month before the end). The cut-off date for a change to January 1 is therefore November 30th.
The termination of the motor insurance is informal by mail or e-mail. Formless means that there are no specifications in the design of the text of your notice. As long as you provide the following information, the insurance company should accept your cancellation:
license plate
Number of the insurance policy
Termination date
Name of the terminator
Make sure that your cancellation letter is available to the insurer on time. If you cancel by letter, it is not sufficient to send the notice until the deadline. This must be available to the insurer by the deadline at the latest. It's best to send the letter by registered mail.
Calculate contribution for a cheap car insurance
Deadline missed the car insurance? When does the special right of termination apply?
It happens that policyholders miss the deadline for the termination of motor insurance. Sometimes, however, it is possible to terminate the current contract extraordinarily. A premium increase or a change due to a new car may be occasions justifying an extraordinary termination. In our blog post "Deadline sleepy" you can find out more about when a change of car insurance is possible.
Car insurance change: Tips from the experts
Here are some additional tips and tips for changing your car insurance:
First compare rates, then change car insurance
Depending on the tariff, you can save several hundred euros a year by switching to a cheaper insurer. It is crucial that you do not give up insurance coverage. On the contrary, the performance in both the partial and full insurance should be at least equal, if not better. Check the new provider through its paces. Not always a supposedly cheaper premium also offers better insurance.
Also, check what you have insured. You may be able to give up one or the other service or add new services. In our corresponding blog article, you will learn how the insurance premium is composed and what factors should be considered when changing.
Do not rush the change, because the appropriate tariff wants to be chosen with care and diligence. Do not be tempted to a quick conclusion. Take your time and see if all the relevant factors have been taken into account.
Calculate contribution for a cheap car insurance
Does the registration authority have to be informed about the change of car insurance?
Basically yes, but you as a policyholder usually do not have to act here, as your new motor vehicle insurer takes care of it and informs the registration office about the change of car insurance.
When to change car insurance?
High season for willing to change is in the car insurance of the fall, as many car insurance are coupled to the calendar year and thus can be terminated by 30 November. Many insurers wait at this time with new tariffs or attractive conditions. Take the opportunity to conclude a favorable yet powerful contract. Verti offers particularly favorable offers for the change of insurance and also beyond, so it is worthwhile to stop by again and again.
Important: As motor insurance contracts with Verti are not linked to the calendar year, you can only cancel your contract with us at the respective contract end date. But you are welcome to switch to us anytime!
The most important thing at a glance: This is how the car insurance change works
Compare premiums and benefits when choosing a fare to find the right insurance cover.
Get several non-binding offers and contact the customer service of the respective insurer if you have any questions.
If there is enough time for the change of insurance, cancel your old insurance and look for a new one in peace. If you do not have that much time left until the cut-off date, you can cancel your old one on time and then take out a new insurance.
Do not be tempted by low contributions. Pay close attention to the insurance benefits that are offered to you.
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