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When can I change or cancel that insurance?

When to which insurance change or cancel? Many Germans have too many or too expensive insurance. This can be achieved by termination or change of insurance save a lot of money. A change of insurance is not always possible or advisable. Below I give some hints that should be taken into account when insurance exchange :

accident insurance

accident insurance can be regularly announce the end of the chosen contract period. For several years duration, the contract can not be resolved before regular, unless the damage has occurred. Then you should cancel after receiving the insurance benefit. In the normal case, the termination but no later than three months before the expiry date for the insurance is. If you missed the call date can do so in the following year, because, the contract usually implied for one year.

legal protection insurance, household insurance and personal liability insurance

this respect the same rules as for accident insurance. The notice period is three months before the expiry date. Here too, an extraordinary right to terminate after an accident, but only if the insurance covers the damage has also recognized and paid. Exception: In the private insurance the contract is always terminated after the insurer has reviewed the damage that has occurred. The question of guilt does not matter.

life insurance, pension and disability insurance

Dissolution is only the end of each policy year possible. Ultimately, however, even with a year's notice in the articles in any case by the insurance company legally enforceable. As for life insurance, termination usually associated with high losses, it may be useful to provide life insurance to just contributions. Even a sale of life insurance to a third party is possible.

Private health insurance

At a regular cancellation apply according to the company varies considerably. These can be found in the documents or the policy of your company. A termination is possible for a premium adjustment. It is immaterial whether the premium is raised or lowered. You may cancel the contract within four weeks of receiving the information letter. Decisive here is the creation date, which was printed in the letter. Keep therefore the letter and the envelope of the letter to.

Car insurance change

Even when change of car insurance the possibility of extraordinary and regular dismissal. Exceptionally, the contract can be terminated with a change of car or after a loss incurred. A special right also exists for a premium increase. For a regular termination of car insurance it must to 30.11. be sent (with the usual peak maturity at 01 January), otherwise the contract is renewed for another year. The same applies, of course, if you have a want to insure second car .

Please note: Before changing the
insurance clarify, please, if another provider, you also absorbs easily. For life or health insurance play health and medical history, a role in other types of insurance ( change of car insurance , household insurance , legal expenses insurance , accident or homeowners insurance ) any predamages. Cheap Insurance related to insurance comparisons the web.