What is the notice period for car insurance?
When you take out car insurance, both you and the insurer sign a contract with rights and obligations that both parties must abide by. If you want to cancel the car insurance, this is of course possible, but it cannot be done at any time. Often this can only be done on a fixed date. With many insurers, canceling car insurance is only possible one year after you have taken out the car insurance. Usually you have to let the insurer know prior to that date that you want to cancel the car insurance. That period is called the notice period.
Many insurers used a notice period of 2 months. Since January 1, 2010, this is no longer allowed. In general, after the first 12 months, insurances can be cancelled daily with a notice period of 1 month. There are even insurers who do not use a notice period, but where the insurance can be cancelled daily.
In addition to being able to cancel insurance by contract expiration date, there are two other times when you can cancel car insurance, namely:
- In the event of changes in terms and conditions or premium increases
- When selling the car
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Car insurance notice period
In the event of changes in terms and conditions or premium increases, you have 30 days to cancel your policy. Your policy can be terminated free of charge as of the contract expiration date or with one month's notice with cancellation fees.
If the premium increase is due to a claim or change this does not apply. It must be an increase or change that applies to everyone who has taken out the same insurance with this insurer.
In addition, when you sell the car, you can cancel the car insurance (interim). You must pass on the date of indemnification to your intermediary or insurer. The policy is then terminated on the date shown on the indemnification certificate. You must be able to provide a copy of the indemnification certificate as proof of the sale. If you bought a new car, you can also make a change on your current policy. This way you keep your current policy and do not have to cancel it.
Car insurance suspension
As long as the car is in your name, it should be insured. In addition to canceling the car insurance, you can also choose to suspend the car insurance. In this case, the insurance is temporarily discontinued. You can suspend car insurance immediately. You then do not have to deal with a certain term.
As soon as you have a car in your name again, you can reactivate the insurance.
Suspending car insurance rather than terminating it is an especially good option if you have built up negative claim-free years in your current insurance policy. Negative claim-free years are built up by claiming at-fault losses. You may run into the problem of not being able to buy new insurance when terminating an insurance policy. This may be due to a bad claims history or because you have a criminal record.
Do you still want to cancel your current car insurance? You can use our free cancellation service.
Do you need help? Please contact us, we will be happy to help! We can be reached on weekdays between 08:00 and 18:00 on telephone number 088-6883700.
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