For most car insurance contracts the insurance year is the calendar year. Your cancellation must then reach the insurer by 30 November; the notice period is normally one month (1)(2)(3). This list helps you finish in time.
Checklist
- Check your policy for the end date. With some insurers the year starts on the day the car was registered (1).
- Have your registration certificate (HSN/TSN, first registration) and your last invoice showing your no-claims class (SF-Klasse) ready.
- Compare cover, not only price: sum insured, excess, gross negligence, collisions with animals, marten damage (2).
- Cancel only after the new insurer has accepted you (3).
- If the invoice with a higher premium arrives after 30 November, you have a special right to cancel within one month (1)(3).
In detail: car insurance guide. No advice; the decision is yours.
Sources (checked 6 October 2026, in German)
- Verbraucherzentrale – Kfz-Versicherung überprüfen (08.10.2025)
- Die Versicherer (GDV) – Kfz-Versicherung wechseln: sinnvoll oder nicht? (28.10.2025)
- ADAC – Kfz-Versicherung wechseln (01.10.2026)