Find the perfect car insurance.

• At the end of the contractMost car insurance policies have a one-year term and are automatically renewed if they are not terminated at least three months before the end of the contract.
• After a claim: After your insurance company has settled a claim, you have the right to cancel the contract.
  The notice period is usually four weeks after the claim has been settled.
• When changing vehicles: If you change your car, you can cancel your insurance immediately or have it transferred to the new vehicle.
• In the event of a premium increase: If your insurance company increases the premiums, you have the right to cancel the contract within a specified period, usually 14 days after notification of the increase.

Don’t forget to submit your notice of termination in writing and include all the necessary information such as contract number and termination date.

There are certain things that are not covered by your car insurance.
These include:

• Intent: If you deliberately cause damage to your car, the insurance will not cover the costs.
• Gross negligence: Damage caused by gross negligence, such as driving under the influence of alcohol, is often excluded.
  However, there are insurance policies that offer additional protection against gross negligence.
• Excesses of use: If you use your car for things that are excluded in your policy, such as illegal racing or commercial driving without appropriate cover, the insurance won’t pay out.
• War, civil unrest and nuclear energyDamage caused by war, civil unrest or nuclear energy is not normally insured.
• Wear and tear and lack of maintenance: Costs for normal wear and tear or damage due to lack of maintenance of your car are not covered.

It’s important that you take a close look at your insurance contract and ask questions so that you know exactly what is and isn’t covered.

Parking damage occurs when you find your parked car damaged and the person who caused the damage cannot be found. This is a supplementary insurance that you can add to your car insurance.

If you damage your car while parking, this is not parking damage, but fully comprehensive damage.
This damage can be insured under comprehensive cover.

If you occasionally drive someone else’s car, it is worth taking out third-party driver insurance. This is an add-on to your personal liability insurance.

In the event of an accident involving another person’s car, several insurance companies are often involved. This also depends on possible third-party damage – i.e. damage to other vehicles or persons. Primarily, however, you should always clarify the cover with the insurance company of the car you were driving.

The extent to which you can then pass on the benefits to other insurance policies of the driver, such as accident insurance or personal liability insurance, will be checked in a second step.

If you change your car, you can also change your car insurance. As soon as you have decided on a new insurance policy, your insurer will send an electronic insurance certificate directly to the Road Traffic Office.

This step is necessary so that you can register your new vehicle. Your previous registration will then become invalid and the insurance company for your old car will be notified automatically.

You should receive confirmation of the termination of the old contract and are also entitled to a pro rata refund of insurance premiums already paid.