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Old 20.06.2020, 10:08
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Car Insurance Termination Letter

I have recently had the pleasure of receiving a termination letter from my car insurer, requesting proof of a new insurer in the next 10 days, otherwise they will inform the Verkehrsamt, who will apparently request the plates for the vehicle. Clearly they were not pleased with the recent claim that I made, that's life I guess.

Of course a new insurance under my name will not be palatable. Seeing as my girlfriend is using the vehicle quite often we plan to re-insure the car under her name.

In this case is it as simple as: my girlfriend purchases policy for my car, I send that to old insurer, the new insurer informs the Verkehrsamt?

I am a bit lost because there is a missing link in my understanding between the insurance and license plates, when I purchased the vehicle the dealer simply took my insurance papers and got the plates from the Verkehrsamt. Does this mean the plates will have to change with a new policy, or person insured, or will my girlfriend somehow be registered onto those plates? Finally, is the vehicle ownership (I am leasing the vehicle, in my name) mattering in any of this?

Hopefully the solution is more simple than I imagine..
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Old 20.06.2020, 10:20
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Re: Car Insurance Termination Letter

Why complicate things? It’s your car, you insure it. Insurance covers anyone to drive it. Ask her to pay the insurance if you want. Or sell her the car.

Edit: As far as I’m aware the insurance has to be in the name of the registered owner (leasing must have a work around).

Last edited by Island Monkey; 20.06.2020 at 10:31.
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Old 20.06.2020, 10:32
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Re: Car Insurance Termination Letter

Yes I am asking if it is really so simple and no plate/ownership change, it would be great if that is the case
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Old 20.06.2020, 10:39
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Re: Car Insurance Termination Letter

New plates will be issued to the new owner.
How many claims did you make ?
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Old 20.06.2020, 10:47
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Re: Car Insurance Termination Letter

That makes sense, thanks.

Two scratches, one crack in the windshield. To be honest I was not considering such a scenario when I made the claims. So that's a learning experience.

So I will have to transfer ownership in any case?
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Old 20.06.2020, 11:29
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Re: Car Insurance Termination Letter

As you are leasing you will need to get the OK from the lessor. You canít sell something you donít own. Even to your girlfriend.
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Old 20.06.2020, 23:26
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Re: Car Insurance Termination Letter

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That makes sense, thanks.

Two scratches, one crack in the windshield. To be honest I was not considering such a scenario when I made the claims. So that's a learning experience.

So I will have to transfer ownership in any case?
Insurance companies expect to break even on average, customers who use them as an ATM machine will be terminated & have difficulty getting insurance going forward.
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Old 20.06.2020, 23:35
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Re: Car Insurance Termination Letter

Decided just to buy the vehicle from the lessor, should be transferred to my better half next week. Problem solved

Thanks for the advice I'll 5 years to have car insurance under my name.
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Old 20.06.2020, 23:36
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Re: Car Insurance Termination Letter

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Decided just to buy the vehicle from the lessor, should be transferred to my better half next week. Problem solved

Thanks for the advice I'll 5 years to have car insurance under my name.
*I'll wait 5 years
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Old 21.06.2020, 02:40
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Re: Car Insurance Termination Letter

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Insurance companies expect to break even on average, customers who use them as an ATM machine will be terminated & have difficulty getting insurance going forward.
A crack in the windshield should be completely immaterial, AFAIK glass is not relevant for the bonus. During the last 11 years I've needed at least 3 windshield replacements, without the slightest fuss.

But of course, if you start at 100% (even more if above) and have two claims in a short time you're probably pretty quickly in the danger zone.

Besides, having the insurance pay for an ordinary scratch, probably for anything below 2-3k, is almost garuanteed to be against your interest in those bonus regions. You do want to take out bonus protection, and focus exclusively on the insurances that offer it to you when looking for interesting offers.
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