REGION
At the end of November, many drivers have the opportunity to cancel their vehicle insurance. This year, interest in switching to a cheaper provider is particularly high. The background is that car insurance is becoming significantly more expensive. This year the usual deadline falls on a Saturday. That’s why the deadline is extended until the next working day, December 2, 2025. But don’t worry: the notice periods are often flexible or other standards apply. Among other things, the receipt of the letter of increase is important.
Special right of termination in the event of a premium increase: use deadlines correctly
November 30th only applies to insurance contracts that cover exactly the calendar year. However, many contracts have a so-called “main due date during the year”. For example, if a contract starts on July 1st, it runs until June 30th of the following year and must be canceled by the end of May. However, many insured people only notice that they have such a contract when the insurer refuses to cancel their contract on January 1st.
In the event of a premium increase, the insured have a special one-month right of termination. This begins with receipt of the letter of promotion. Since many consumers receive the letter during November, November 30th or, as this year, December 2nd is not binding for them. So anyone who receives the increase notification on November 20th has until December 20th to submit their cancellation to the insurer. The decisive factor is the date of receipt by the customer, not the date that the insurer writes on the letter. Who for affordable car insurance If you want to change, you often have a few more days to deal with detailed questions.
Savings tips for drivers: reduce insurance costs
It’s not just a change of provider that can help drivers save costs. There is potential for savings even when choosing the vehicle model, as some models are inherently cheaper to insure. Vehicles that are statistically less likely to be involved in accidents are often given a lower type class. These type classes can be viewed online at the General Association of Insurers.
For owners of a vehicle There are other savings options: reducing the number of drivers, reducing annual mileage or choosing a workshop commitment. All of these measures can significantly reduce insurance costs. Insurers also offer different payment intervals. Paying the entire annual premium in advance is usually cheaper than monthly or quarterly payments and can save up to five percent of the insurance premium.
Motor vehicle liability and comprehensive insurance: What drivers should know
Anyone who drives their vehicle on the road must have motor vehicle liability insurance. It covers damage caused to other road users or their property. However, damage to your own vehicle is not covered by motor vehicle liability insurance. In such cases, partial or fully comprehensive insurance makes sense. Partial comprehensive insurance covers damage to your own car caused by certain events such as collisions with wild animals, broken glass, and vehicle theft or storms arise. In addition to the benefits of partial comprehensive insurance, fully comprehensive insurance offers protection in the event of damage to your own vehicle that you have caused yourself.
With both partial and fully comprehensive insurance, you can reduce the costs by increasing your deductible. A deductible of 150 euros for partial insurance and 300 euros for fully comprehensive insurance is often recommended. With a higher deductible, the insurance premiums decrease.
