When is the best time to change your car insurance?
When you purchase auto insurance, you naturally choose the coverage that best suits your car and your personal situation at the time. However, you may find that after a number of years your car insurance doesn't quite fit you anymore, for example because your car has decreased in value. Therefore, it is important that you check your car insurance coverage every year to see if it is still a good match. If it appears that you should lower or increase the coverage, you can change your car insurance. By changing your car insurance you may be able to save on the premium. Find out how and when to change your car insurance at Alpina.nl .
When to change coverage?
People change their car insurance for a variety of reasons. Perhaps you have all-risk coverage, but your car has depreciated significantly in value in the meantime. After all, immediately after buying a new car, the value already drops. Or perhaps you opted for a third-party car insurance policy when you took out the policy, but you'd rather have more comprehensive insurance. At that moment you can change the coverage of your car insurance. You can increase or decrease the coverage, but different conditions apply to both.
Increase coverage
With most insurers it is possible to increase the coverage of your car insurance mid-term. Of course, this does affect the premium. If you choose a higher coverage, the premium of your car insurance will also go up. Changing your car insurance to a higher coverage is usually possible at any time during the term of your insurance. For example, you can increase from WA to WA + Limited Casco or from WA+ to Allrisk.
Reduce coverage
Changing your auto insurance to lower coverage is possible with most insurers only at the end of the contract period. Lowering your coverage in the interim is usually not possible. Of course, there are always exceptions, so it may be that it is possible with your insurer. You can check this in the policy conditions or by contacting the insurer.
Benefits change car insurance
Changing your auto insurance has several benefits. Check annually to see if your current insurance still meets your needs and wants. Are you unhappy with the coverage or does it no longer match the value of your car? Then you can change your car insurance. This way you will never pay too much for your car insurance.
Changing your insurance can also have benefits if you are buying a new car. Perhaps you currently have third-party insurance, but WA+ or All-risk coverage would be better for your new car. Changing the coverage ensures that you are not underinsured.
Change your car insurance directly through Alpina!
A change almost always affects the amount of the premium. Therefore, we recommend that you always compare providers. You might be cheaper by changing your coverage with another insurer. You can easily compare car insurance with our free online comparison tool. You will immediately see which provider is the cheapest.
Changing your existing car insurance? At Alpina.nl you can make a change very easily. Most changes can be made online. Do you still have questions about changing your car insurance or are you having trouble? Then please contact us. You can reach us on weekdays from 8 a.m. to 6 p.m. by phone at 088 - 688 3700. You can also always send us a message via chat. WhatsApp or Messenger.
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