What should I do if I want to switch after a premium increase?
When you purchase auto insurance, it is usually for a minimum of one year. After the first year, you can cancel the insurance daily. However, insurers may change the terms and conditions or increase the premium during the term of the insurance. So this does not always happen on the contract expiration date. If your insurer increases the premium, it may be more favorable for you to switch insurers. Also, if you claim damage, the premium goes up. But can you just switch after a premium increase? In this article, we explain it to you.
Auto insurance premium up
There must be a valid reason for a premium increase. There are two situations when an insurer can do a premium increase: after damage and a general premium increase. An insurer must provide clear information about this, but this does not always happen. Are you not sure how the premium increase occurred? Then you can always ask for a clear explanation from the insurer. You are entitled to this as a policyholder.
General increase
You probably picked a car insurance policy with favorable terms and a low premium. And then suddenly the insurer introduces a premium increase, which means you are paying more each month for your car insurance. Annoying! If your insurer decides to make a general premium increase, you may switch car insurance. You may also terminate the insurance. This can be effective from the date the premium increase takes effect. You must notify your insurer or intermediary of the termination usually within 30 days of the increase taking effect.
Premium up due to damage
Do you make a claim with the insurer? Then you lose 5 claim-free years and get less premium discount. This means that your premium will go up. Therefore it is possible that you are better off with another insurer. Switching your car insurance after a claim can be wise. However, if you have negative claim-free years, switching is not always wise. In case of a premium increase due to damage, you cannot cancel immediately without notice, like you can with a general premium increase. If you want to terminate your car insurance, the usual notice period applies.
Compare different providers through Alpina
Unsure if switching is wise after premium increase? You can always check whether you are better off somewhere else. You can do this by comparing different providers. During the comparison you fill in some information about yourself and your car. You also enter the number of claim-free years you have accumulated. Based on this information you will get an overview of car insurance, including the corresponding premiums. This allows you to compare providers on price and content. So you can quickly see whether it pays to switch or whether it is better to stay with your current insurer. Do you decide to switch? Then you can arrange this directly online with us.
Has your premium gone up? Compare premiums through Alpina and switch immediately!
If you want to switch car insurance you can do so directly through Alpina.nl! We always offer the best coverage and premiums. Don't you want to change your car insurance, but terminate your current insurance? Then there are other rules attached to that. Read here when you can end your insurance.
Our insurance specialists will be happy to help you with all your questions. You can call us Monday through Friday from 08:00 to 18:00 at 088- 688 37 00. Also, you can always send us a message via email, WhatsApp or Messenger. Also take a look at our frequently asked questions about car insurance.
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