German insurers profit from inertia: newcomers pay less while existing customers get quiet increases. A 20-minute annual check saves €100–300 on average.
The 30 November Deadline — and Its Back Doors
Most car policies run per calendar year: the cancellation must reach the insurer by 30 November. A price increase or a claim opens the back door.
✓ Verified: 15/08/2026
WHAT TO DO
› Details and tips
👨🏻💻
Max recommends:
Calendar reminder on November 15: twenty minutes of comparison saves me 150–200 € on average. I send the cancellation via the insurer online form with delivery confirmation.
👩🏼💼
Lea recommends:
Check the date in your policy: not every insurance year is a calendar year. Mine ended in May — my window was March, not November.
FREQUENTLY ASKED QUESTIONS
The premium increase letter arrived right in November — coincidence? ▾
Tactics: increase letters often come just before the deadline. But the letter itself opens your one-month special termination window.
I am buying a car mid-year — do I also wait for Nov 30? ▾
No: when buying a car you choose freely right away. The calendar deadline only affects existing contracts.
Missed 30 November — wait a whole year? ▾
Not necessarily: any premium increase (even the hidden kind via regional classes) grants one month of special termination. Second chance: after any settled claim.
My policy does not start on 1 January — when is my deadline? ▾
Check the policy: cancellation is due 1 month before the end of YOUR insurance year. 30 November is just the most common case.