How to cancel car insurance without problems

There are several reasons that can lead us to cancel car insurance. Among the main ones: having to sell or transfer the car, wanting to change insurance company if we find better conditions -or due to changes in the policy without prior notice-, having to cancel it, and a long etcetera.

Whatever the reason, to cancel the car insurance, we must bear in mind that the process involves a procedure that we must follow in order not to waste time, avoid headaches and even possible fines in the case of so-called zombie cars.

Cancel car insurance: the key is the deadlines

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We must remember that despite the fact that car insurance already exists that allows us to pay it monthly, quarterly, semi-annually or annually, the renewal of our policy contract will continue to occur automatically every year, from the date of contracting.

As established by the Insurance Contract Law If, as policyholders, we want to oppose the extension of the contract, we must do so by written notification to the insurance company with a period of at least one month in advance of the current insurance period to avoid the aforementioned automatic extension of the insurance for one more year.

If, on the contrary, it is the insurance company that wants to oppose the extension or modify its conditions, it must notify the insured (policyholder) at least two months in advance of the date on which the contract would end.

How the notification is to be made


As for canceling the car insurance “by written notification” to the insurer as required by law, it is an important aspect of the procedure.

Many companies (and more as a result of the pandemic caused by COVID-19) already allow us to record our interest in terminating the contract in writing by email or message on their website, among other options.

In this case, it is best to verify that the confirmation arrives that the company has received the message. We can also request it by phone, although we must avoid having confirmation only through this means.

Other options to communicate our intention to unsubscribe are to send a registered letter or a burofax to the insurance company, to have an acknowledgment of receipt.

Our written communication must include: the policy number and the vehicle data (license plate and model) and the policyholder data (name, surname, DNI), we will put the date for the record, and we will sign the communication.

Errors to avoid when we want to cancel the insurance


Fulfilling the term of one month in advance with respect to the end of the contract to notify the intention to cancel the car insurance, and leaving a record of this in writing, the company could not object to cancel us.

It may happen that we forget or miss the end date of our policy (which we can check on any receipt in addition to the contract) or that for any unforeseen we cannot meet the notice period.

In these cases, we could try to change the conditions of our policy with the company with which we have the contract, or even negotiate a change in the insurance until we can cancel it if what we are looking for are more advantageous or economic conditions.

Returning insurance receipts to cancel it is a risk, since in addition to being able to claim them for breach of contract, the insurance company could start a legal process and include us on a list of defaulters.

What if the insurance company modifies the conditions of the contract without prior notice? In this case, we would have the full right to cancel the insurance, even if we are no longer on time.

As happens when you want to cancel it, to change the conditions of our policy, the insurance company must notify the policyholder of said changes in writing at least two months before their expiration.

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