Even if the premium falls, car owners should carefully check the new premium calculation for their car insurance. If you remained accident-free in the past year, the no-claims class improves – and the premium automatically decreases. Some insurers take advantage of this.

Car insurers are sending out their bills with the premiums for the coming year these days. Customers should check their car insurance premiums carefully because there is a popular trick:

Anyone who drove accident-free in the past year will be classified in a better no-claims class (SF class) in 2023. This automatically reduces the insurance premium. However, insurers often use this effect to conceal price increases. Because the customer is happy about the falling contribution – and does not realize that it should actually have fallen much lower.

The insurers are obliged to point out the special right of termination. But to be on the safe side, you should look out for the word “comparative premium” in the premium calculation: If the premium that you are supposed to transfer is higher than the comparative premium, then your insurer has increased the price.

Attention: The comparative contribution is shown separately for comprehensive insurance and liability.

Result: Although the sample customer pays a total of 30 euros less for the coming season than in the past season, the insurer has increased the premium. There is therefore a special right of termination.

Incidentally, the reasons for a tariff increase do not play a role, explain the experts of the comparison portal Verivox. A rate increase by the insurer is just as much a part of this as the classification of the car in a more expensive regional or type class. It is also sufficient if only one part of the contract – i.e. liability or comprehensive insurance – is increased and the other decreases.

Consumers can cancel their car insurance by the deadline of November 30, even if the premium does not increase. In the event of a premium increase – even if it is hidden – the policyholder also has a one-month special right of termination, valid from receipt of the invoice.