Deutschland Kompass
↰ Car insurance switch
STEP

Cancel and Switch Without a Gap

New policy first, cancellation second. The new insurer reports the eVB to the registration office itself — not a single day without coverage.

✓ Verified: 15/08/2026

WHAT TO DO

Order matters: first the confirmed new policy, then the cancellation. Between cancelling without a follow-up policy and a deregistered car lies a single uncovered day.

Route complete ✓
Details and tips
👨🏻‍💻
Max recommends:

The eVB number arrives instantly in the app — I cancelled the old policy only AFTER written confirmation of the new contract. Not a day without cover.

👩🏼‍💼
Lea recommends:

After switching, check the first debit: first-year bonuses get forgotten, and the refund from the old insurer arrives by itself within a month.


FREQUENTLY ASKED QUESTIONS

The new insurer raised the price after checking my data — allowed?

Yes, if your application data was inaccurate. State mileage, drivers and parking precisely — then the quoted price is binding.

The old insurer does not confirm my cancellation — is it valid?

Valid upon delivery: keep proof of sending. Their silence changes nothing, but follow up in writing before Nov 30.

Do I have to notify the registration office?

No: insurers report electronically. The new policy replaces the old one in the register automatically.

The old insurer sent a tempting stay offer — accept?

Do the maths: retention discounts are often one-off; from year two the old price returns. Compare against the new tariff over 2–3 years.

OFFICIAL SOURCES