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Old 13.02.2020, 00:13
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Re: changing car insurance before contract expiry?

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No, it is neither fraud nor fictitious.

And changing the holder (the name on the grey card and the insurance) doesn't even require that the vehicle be sold.

From beobachter, translated by Google:

Premature termination of contract: Don't cheat!
Attention: If you trick the cancellation of the car insurance, it can get really expensive.

If you have taken out liability insurance for a vehicle for five or ten years, you can only terminate the contract early in the event of damage, premium increase or change of vehicle or holder. If the new owner or holder chooses another insurance policy, the current contract automatically expires according to the law and you receive paid premiums back proportionally.

If the change is only a sham its called a fictitious change. The following constellations seem suspicious:
  • You transfer the car to your wife or another family member, even though you continue to use it and pay for it.
  • The car is released on the company, although it is still only driven privately.
  • You hand in the control signs at the road traffic office and inform the insurance company that you are no longer driving. A few days later, the signs are released.
If the insurance company finds out that the change was fictitious, the old contract remains in place. Then you have to pay both the old and the new premium.
OP should know the danger in case he decides to go through with it.
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