30 November: cancellation deadline
To switch basic insurance on 1 January, your cancellation must be received by your insurer by 30 November at the latest. This deadline also applies to lowering your deductible or changing model.
Updated on 23.09.2026 · Official sources cited
The key rules
- It's the date of receipt that counts: send by registered mail, ideally a week before.
- The new insurer must accept you for basic insurance.
- Supplementary policies have their own deadlines.