Change Car Insurance in Germany 2026A Step-by-Step Guide for Expats
New in Germany, or stuck paying too much on a contract you signed early on? This guide walks through the rules nobody explains in plain English: the November 30 deadline, special cancellation rights, your no-claims class and the paperwork your new insurer will quietly ask for.
Short version: Anyone driving a car in Germany needs at least third-party liability insurance (Haftpflicht). You can switch providers once a year; the cancellation has to reach the current insurer by November 30 for the new contract to start on January 1. A premium increase or a claim triggers an extra one-month special cancellation right. Your no-claims class moves with you automatically once you authorize the new insurer to handle the cancellation.
Key takeaways
- Default deadline: November 30, 2026 for a switch effective January 1, 2027.
- Special cancellation right under § 40 VVG after a premium increase or claim.
- Your no-claims class, claim-free years and continuous cover all transfer.
- No Schufa credit check needed; many insurers do require a German bank account for SEPA direct debit.
- The new insurer typically cancels the old contract on your behalf — you sign a power of attorney for this. Do not send a duplicate cancellation.
- Foreign no-claims years count with some German insurers, not all. Bring a written certificate from your previous insurer.
Find a new tariff and switch
Enter your vehicle details, annual mileage and current no-claims class. The comparison tool returns quotes from insurers in the Tarifcheck network; most switch forms are entirely digital.
Datenquelle & Transparenz
Die Tarifdaten auf dieser Seite werden in Echtzeit von Tarifcheck bereitgestellt. Wir greifen nicht in die Preise, Rankings oder Darstellung der Ergebnisse ein.
Unsere Rolle:
Wir bieten redaktionelle Erklärungen und Entscheidungshilfen. Die eigentliche Tarifberechnung und Vermittlung erfolgt durch unsere Partner.
Was wir nicht abdecken:
Nicht alle Anbieter am Markt sind in diesem Vergleich enthalten. Regionale Anbieter oder spezialisierte Tarife können fehlen.
When can you switch your German car insurance?
Most German car insurance contracts run from January 1 through December 31. For the regular yearly switch, the cancellation has to be in the old insurer hands by November 30. That is the ordinary deadline, and it also covers mid-year contracts once the twelve-month minimum term is reached.
Two other situations give you a one-month special cancellation right outside that window: a premium increase (§ 40 VVG) or a claim (§ 92 VVG). Selling your car is different. The policy passes to the buyer under § 95/§ 96 VVG, so it is not a one-month right of your own. The detailed rules sit further down in the special cancellation right section.
If you only registered your car halfway through the year, your first contract often runs longer than twelve months, until the next December 31. The first regular cancellation deadline still applies in the calendar-year rhythm.
How to switch your car insurance: four steps
- 1
Gather your documents
You will need the vehicle registration certificate (Zulassungsbescheinigung Teil I), your current policy, the no-claims class and a realistic annual mileage estimate. If the car only moves on weekends, say so. Insurers check the mileage when a claim is filed.
- 2
Compare quotes
The comparison tool returns third-party (Haftpflicht), partial cover (Teilkasko) and comprehensive (Vollkasko) prices next to each other. Look beyond the annual premium: deductibles, workshop restrictions and gross-negligence cover matter on claim day. If you drive abroad regularly, check the foreign cover too.
- 3
Apply online
Once you pick a tariff, enter your data and sign the power of attorney that lets the new insurer cancel the old contract. The new insurer then requests the SF certificate directly. Online applications usually bundle the cancellation form into the same flow.
- 4
Save the eVB number and policy
Download the new eVB number and insurance confirmation as PDF. The new cover starts automatically on the switch date. You will get two confirmations: a cancellation letter from the old insurer and a welcome email from the new one.
Looking for the full price-led comparison? Instant car insurance Germany covers the "get covered now" angle. For a price discovery walkthrough, see Cheap car insurance Germany.
What moves to the new insurer, and what stays
Transfers with you
- No-claims class and all claim-free years
- Bonus levels from telematics or low-mileage programs, when the new tariff offers the same feature
- Continuous cover starting on the switch date
- Additional drivers, as long as you list them again
Stays with the old insurer
- Open claims from the previous term
- Any premium refunds or contract credits
- Loyalty promotions tied to the old customer number
- Add-on products like a roadside assistance package, unless you re-add them
New to Germany? Four things German guides skip
Most German switching guides assume you already have a German driving record. If you moved here from abroad, four points trip people up, and almost nobody explains them plainly.
1. Foreign no-claims history is hit or miss
Some German insurers credit no-claims years from EU countries; others reset you to SF 0 or SF 1/2. A written certificate from your previous insurer (English or with a certified translation) avoids arguments later. Always ask: "Do you recognize my no-claims years from [country]? Which class will you apply?"
2. Schufa is not the gate. Your bank account is
Car insurance does not need a Schufa report, unlike a loan or apartment lease. What most insurers do expect: a German bank account for SEPA direct debit. Credit card payment is rare on online policies. Opening a Girokonto early pays off here.
3. The eVB number opens the registration office door
For a first registration, the seven-character eVB number proves you have at least third-party cover. For a pure provider switch with the same vehicle, the insurance confirmation is usually enough. Keep the eVB number anyway for any future paperwork.
4. Foreign driving license: not a blocker, but worth a note
An EU license is fully valid in Germany. Licenses from many other countries usually need to be exchanged for a German license, typically within six months of your Anmeldung. Insurers accept the foreign license during that grace period but will ask.
Want the deeper expat read?
The full English expat angle on costs and basics lives on Cheap car insurance Germany. If you prefer Turkish or German: the language switcher in the footer takes you to the matching sibling guide.
Special cancellation rights (§ 40 and § 92 VVG)
Two provisions in the German Insurance Contract Act (VVG) give you a one-month cancellation right outside the normal November 30 window. A third situation involving vehicle sales works differently and is explained below.
Premium increase
When the insurer raises the premium or trims coverage, you have one month from the notification to cancel. A bare type-class or regional-class reclassification does not always count as a premium increase in the legal sense; court rulings differ, and insurer practice varies.
After a claim
Both sides get a one-month cancellation right after every claim settlement. It applies to you too, useful if the settlement felt slow or you decided to absorb the deductible to keep your no-claims class.
Selling the vehicle (§ 95/§ 96 VVG)
When you sell your car, the policy transfers to the buyer by operation of law (§ 95 VVG). The buyer and the insurer then each have their own one-month cancellation right. This is not a § 40 one-month right that belongs to you as the seller. Buying a new car simply means signing a fresh contract with your chosen insurer.
For source notes on industry data, see our Data sources page. This guide is editorial; it does not replace individual legal advice.
SF, Type, Regional class: what really moves the premium
Switching makes more sense once you know what the price depends on. Three classes do most of the work.
No-claims class (SF)
Your claim-free years. The higher the class, the lower the premium. Backgrounder: Auto insurance Germany.
Type class
Risk rating attached to your model. Cars prone to repairs cost more. Compare models in Automobile insurance comparison.
Regional class
Tied to your registration district. Big cities are usually pricier than rural areas. Inform your insurer when you move.
A switch usually pays off when the market values your no-claims class more generously than your current insurer. If your priority is the lowest sticker price right now, start at Cheap car insurance Germany. This page focuses on the process and on expat-specific questions.
Cancellation letter: copy-and-paste template
Just want to cancel, without switching right away? Use this template. Fill in your details in the square brackets and send it to your insurer by post or as a scan by email.
[Your first and last name] [Street and house number] [Postal code and city] [Name of your insurer] [Street / PO box] [Postal code and city] [City], [Date] Cancellation of my car insurance (Kfz-Versicherung) Policy number: [your policy number] Number plate: [your number plate] Dear Sir or Madam, I hereby cancel my car insurance with proper notice, effective at the end of the current insurance year (usually 31 December). Please confirm the cancellation and the exact end date in writing. A confirmation by email is sufficient. Yours faithfully, [Signature] [Your first and last name]
Important: never cancel before a new policy is in place. Without insurance cover you may not drive your car (§ 1 PflVG). For a special cancellation after a premium increase or a claim, add the reason and cancel within one month of the notification.
Mistakes to avoid when switching
Missing the deadline by a day
Your cancellation has to arrive at the old insurer by November 30, not be sent on that day. If you cancel by post, leave at least three working days of buffer for delivery.
Cancelling twice by accident
When you authorize the new insurer to cancel, you do not need to send your own cancellation. Sending both can push your old contract end-date into the next year and cost you double premiums.
Guessing the annual mileage
Mileage drives your premium significantly. If you underestimate and exceed the limit, the insurer can charge a back-payment after a claim. Use last year actual reading, not a guess.
Skipping the SF certificate
German insurers usually fetch the SF certificate automatically. After a long break, a switch from abroad, or a missed transfer, request the certificate from your old insurer in writing to avoid disputes.
Throwing away the policy PDF
Download the new policy and terms as PDF right after signing. If a claim comes up later, you will not have to chase customer service for the contract details.
Missed November 30? You almost always have an exit
The deadline passed, the contract auto-renewed for another year. It happens a lot. Three routes are still open:
- Wait for the insurer to adjust the premium, and the special cancellation right kicks in then.
- Sell the car or change the registered owner; both are valid grounds.
- Write to the insurer and ask for a mutual early cancellation. It rarely works, but the email costs nothing.
What usually does not work: simply not paying. That leads to reminders, eventually a vehicle deregistration, and a damaged no-claims history.
German terms you will see on every policy
These words keep showing up at insurers, the Zulassungsstelle and in policy documents. Worth recognizing on sight.
Kfz-Versicherung
Car insurance
Haftpflicht
Third-party liability (mandatory)
Vollkasko
Comprehensive cover
Teilkasko
Partial cover (theft, glass, storm)
Schadenfreiheitsklasse (SF)
No-claims class (your driving history rating)
eVB-Nummer
Electronic insurance confirmation (used for vehicle registration)
Typklasse
Vehicle type class (model-based risk)
Sonderkündigungsrecht
Special right to cancel (one-month window)
Where these rules come from
Switching car insurance in Germany runs on a few fixed rules. Here is who sets each one, so you can check the detail yourself instead of taking our word for it.
| What | Source |
|---|---|
| One-month special cancellation right after a premium increase | Section 40 of the German Insurance Contract Act (§ 40 VVG) |
| No-claims classes run from SF 0 up to about SF 35 at most insurers. At the top classes you pay only a fraction of the base rate; the discount can reach roughly 75 percent. The exact scale differs from insurer to insurer. | German Insurance Association (GDV), no-claims framework |
| Independent annual tests of German car insurance tariffs | Stiftung Warentest (Finanztest) |
| Consumer guidance on comparing before the yearly deadline | Finanztip; the ADAC also publishes car-specific advice |
We deliberately do not quote named tariff prices: your premium depends on your own profile and changes every year. The live figure for your situation comes from the comparison tool above. For a side-by-side overview, see Car insurance compare.
Frequently asked questions
When can I switch my car insurance in Germany?▼
Most German car insurance contracts run from January 1 to December 31. Your cancellation has to reach the old insurer by November 30 for the switch to take effect on January 1. You also get a one-month special cancellation right whenever your premium goes up or you have a claim.
Will I keep my no-claims class (SF) when I switch?▼
Yes. Your no-claims class is transferred from the old insurer to the new one through an SF certificate. This happens automatically when you give the new insurer permission to cancel the old contract.
Do I need to cancel myself or does the new insurer do it?▼
The new insurer typically handles the cancellation. You sign a power of attorney during the application. With an online application, the cancellation form is usually part of the process.
What if I missed the November 30 deadline?▼
You usually stay with your current insurer for another year. Exceptions: a premium increase or a claim both trigger a special cancellation right. Selling the car or changing the registered owner is also a valid reason.
Is my no-claims history from another country recognized?▼
Some German insurers credit no-claims years from abroad, others reset you to SF 0 or SF 1/2. Always ask first and bring a written certificate from your previous insurer, ideally in English or with a certified translation.
Do I need a Schufa credit check for car insurance?▼
No. Car insurance does not require a Schufa report, unlike a loan or a rental contract. Many insurers do require SEPA direct debit from a German bank account, so opening a Girokonto early helps.
What happens to open claims when I switch?▼
Open claims stay with the old insurer even after you switch. The new insurer only covers losses that occur after the new contract starts. You do not need to report the claim twice.
How fast do I get the new eVB number?▼
Usually within a few minutes by email after an online application. You only really need the eVB number for a new vehicle registration or transfer. For a pure provider switch with the same car, the insurance confirmation is enough.
Ready to switch?
Compare tariffs from insurers in the Tarifcheck network and pick the one that fits your situation. Free to use, no registration, done in a few minutes.