Recommended – The Car Insurance Switch Option for 2027

Both companies offer the following in this promotion:

• No Mileage Limit: Starting next year, you can drive as far and as much as you like.
• No Driver Restrictions (Ages 17 to 75): Anyone in this age group who wants to drive your car is permitted to do so – whether 17 or 75 years old. Anyone who receives your car keys from you is generally considered an authorized driver, provided they hold a valid driver’s license. The specific conditions of the respective tariff apply.
• Your 2026 Premium as a Baseline: The premium is based on what you paid in 2026 for your previously restricted tariff. Depending on the company, it may be slightly lower or higher. We will inform you of the exact premium before switching, and you decide afterwards.
• Existing Additional Modules: We will adopt additional coverage from your previous contract, such as driver protection or legal/breakdown assistance, provided the respective tariff offers it. We will let you know in our offer if anything cannot be transferred.

The annual upgrade of your no-claim class (SF class) will continue as usual. Special gradings from your previous contract are generally adopted if they are evident from your documents.

Which of the two insurers? If both match your previous contract, we will offer you the cheaper one. If only one fits, we will offer you that one. Background: The insurers exclude their own internal prior contracts from this promotion. Some direct insurers are also not approved as prior insurers. We will check whether your prior insurer qualifies based on your documents.

The promotion applies exclusively to privately used passenger cars (PKW) registered in Germany. Motorcycles, motorhomes, trailers, company cars, and vintage cars (H-plates) are excluded. In addition, the following criteria must be met:

• German Prior Insurer (Mandatory): Your prior car insurance contract must have been held with a German insurance company. Foreign prior contracts or foreign license plates cannot be accepted.
• Conversion to January 1st, 2027: Both companies offer conversion strictly for this date. If your contract expires at another time, you cannot participate in this promotion.
• Claim-Free in 2026: We only accept contracts that have remained claim-free during the current year.
• No-Claim Class (SF Class): Your vehicle is currently rated at SF 1 or better. Classes 0, S, and M are not permitted in this promotion. Contracts with fixed flat-rate premiums cannot be converted.
• No Cancellation by Prior Insurer: The contract must not have been cancelled by your previous insurance company.
• Permitted Prior Insurer: The two insurers do not accept contracts from their own house. Certain direct insurers are also excluded. Further exclusions, such as telematics tariffs, are checked on an individual basis.

Pure car-only new clients are not accepted this year due to high demand and insurer regulations.

You qualify as a client if you are already our client or if you hold or initiate other property/casualty contracts through us – such as private liability, household contents, residential building, personal accident, or legal protection insurance. If you come to us through a recommendation and wish to use this promotion, please speak to us so we can review it together.

What we need from you:

• the completed form below along with all requested uploads: your premium invoice for the current year 2026 (important as a calculation basis – please do not upload only a newly issued invoice for 2027 if already present), your current insurance certificate (Versicherungsschein), and your vehicle registration document (Fahrzeugschein / Zulassungsbescheinigung Teil I)
• a current broker power of attorney (Maklervollmacht) for submitting and terminating the prior contract (if not already on file with us, simply complete it online or upload it under “Other Documents” below)
• a callback phone number and your email address

Please fill out the form once per vehicle. From your documents, we can also determine your no-claim class and any special grading. We cannot proceed with incomplete or faulty information – please upload all documents fully and clearly legible. If you prefer to call us, we can discuss everything over the phone, but we will still need the documents afterwards.

What we do not need: Details on mileage and additional drivers, as these no longer play a role in the switch tariff.

The promotion is limited to a specific quota (“first come, first served”). Since many colleagues are participating in this promotion, we cannot predict how long the contingent for the 2026/27 switch season will last. Once the quota is exhausted, we will take this page offline. We need your complete documents by no later than November 15th, 2026 – the earlier, the better.

We can only inform you whether you meet all participation requirements after reviewing the documents provided. Afterward, we will quote your premium. The conversion is subject to acceptance by the insurer.

Please do not cancel your previous contract yourself. With your power of attorney, we will handle the timely cancellation effective January 1st, 2027, as soon as you have decided in favor of the offer. The cancellation must generally reach your previous insurer no later than November 30th, 2026.

If you have any questions, please feel free to contact us. Your personal contact person (nationwide client support):

Jürgen Bechstein
Tel: +49-611-945892402
E-Mail: jb@vmwi.de
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