Change of car insurance: Term in November and special right of termination

special right of termination

Missed the November deadline? Drivers can still change their auto insurance in December

Change car insurance also in December

Auto insurance can also be terminated in December, if you have a special right of termination.


Change of car insurance until 30.11. possible for everyone

Attention vehicle owners! In principle, car insurance policies can be canceled from January 1. Since the notice period is one month, the cancellation of the insurance must be received by the insurer before November 30. Otherwise, the car insurance is automatically extended for one year. Exception: There is a special right of termination. Then you can also change in December.

Reading Tip: Best Car Leasing Deals on RTL!

The special right of termination also applies to hidden premium increases

Insurance notices with the following year’s quotes are typically not sent to customers until the end of November. Anyone who hasn’t yet considered a change in insurer should at least take a closer look at their insurance notice. Because if the car insurer has increased the premium, the vehicle owner has a special right of termination.

Vehicle owners can also cancel their auto insurance after the November 30 change date if the premium is increased by the previous insurer. “After receiving the premium bill, consumers always have a special one-month right of withdrawal if the insurance premium increases through no fault of their own,” says Dr. Tobias Stuber, managing director of motor insurance at the portal CHECK24 comparison.

The special right of termination also applies to hidden premium increases, that is, if the vehicle’s annual premium is not reduced by the amount the consumer would be entitled to, for example, due to an upgraded no-claims class.

Find new auto insurance and switch easily

Do you want to change your car insurance? Then the comparison begins! If you change insurance, you can save up to 850 euros. RTL explains step by step how to find the most attractive insurance cover.

  1. Open the comparison portal of your choice and enter your data in the insurance calculator. Your information is transmitted in encrypted form. Tip: If you want to do something else in between, pause your input.
  2. Once your data has been entered and transferred, you can now compare the results at your leisure and choose the best offer.
  3. Once you have made your decision, take out car insurance online with a single click.
  4. If you change vehicles, you will immediately receive an email with the electronic insurance confirmation (eVB number).
  5. A few days later you will receive your insurance contract in the mail. Verivox will automatically handle the termination of the old provider agreement for you.

» Go to the comparison portal: Change car insurance at Check24*


Recommendations from our partners

Changing car insurance: the most important information

  • Save up to 850 euros a year
  • Keep in mind the deadline for your cancellation
  • Consider extended insurance coverages such as letter of protection or protection against martens
  • If necessary, make use of the special right of withdrawal

» To the offer: change car insurance in Verivox*

Comparing providers is worth it when changing car insurance

There are many comparison portals to change car insurance. They all have their advantages and disadvantages. Make sure the providers are reputable and have some reputation. Vendors like Check24* and Verivox* invest heavily in their algorithms to provide users with the best deals. Although there are also certain differences here, if you bet on one of the best dogs, you are not wrong.

*We use affiliate links in this post. If you buy a product through these links, we receive a commission from the seller. There are no additional costs to you. Where and when to buy a product is of course up to you.


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