Cancellation car

Do you have any questions about cancellation?

You will find helpful information about the topic here.

What do I have to consider when canceling?

  • Check your existing insurance policy to see when cancellation is possible. Cancellation conditions and dates are usually found in the General Conditions of Insurance (GCI), sometimes also in special conditions.
  • When you cancel your contract, you must comply with the prescribed notice period – you will find this in your insurance policy (e.g. three months before the contract expires or, if so agreed or legally stipulated, the insurance year expires.). See also "When can I cancel my insurance". In order to comply with the notice period, Zurich must receive the notice of cancellation before the notice period expires.
  • Please note: If you cancel too late, the contract will in most cases automatically be renewed for one year.
  • You must cancel your existing insurance policy in writing or in another form that makes it possible to provide proof in text form (e. g., by sending an email). Your cancellation should include at least the following points: Designation of the letter as a cancellation, date on which the cancellation should take effect, your name and policy number.

When can I cancel my insurance?

  • Contract expiry and notice period 
    If a period of insurance of at least one year has been agreed, the contract may be terminated at the expiration of the contract or, if so agreed or legally stipulated, the insurance year. If a period of insurance of more than three years has been agreed, you have the right to cancel it or to not extend it at the end of the third or each subsequent year. You must observe a customary notice period of three months. This means: Your notice of cancellation must have reached your insurer before the notice period expires. 
    Important: It is not the date of dispatch but the date of receipt that is decisive. If you cancel too late, the contract will automatically be renewed for another year.
  • In the event of a loss 
    After each event of a loss for which a benefit is to be paid out, you have the right to cancel your contract. The cancellation must be received by the insurer no later than 14 days after you have been notified of the payout. Important: If such a cancellation takes place in the first year of insurance or in the event of a total loss, the unused premium is forfeited.
  • Premium increase 
    In principle, a unilateral premium increase gives you the right to cancel your entire policy.
  • When changing vehicles
    If you change vehicles, you have the option of taking out a new insurance contract for your new vehicle, even with a different insurance company. You can request a refund for the unused premium of your old policy.


Your question about cancellation

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