Overview
- Drivers face average premium increases of about 7% next year, according to Verivox, following steep inflation in repair and parts costs reported by industry and official data.
- The GDV’s 2026 typklasse updates will make coverage more expensive for roughly 5.9 million motorists and cheaper for about 4.5 million, with most others unchanged.
- For most policies the practical cancellation deadline is Dec. 1 this year, and a special right to cancel applies for a short period after under‑year price hikes without benefit changes.
- Finanztip case studies show that switching and optimizing contracts can cut annual costs by hundreds of euros, with savings from measures such as annual payment, higher deductibles, limiting drivers, workshop binding, telematics discounts up to about 30%, and accurate mileage.
- Consumer advisers recommend a two‑step comparison on portals like Verivox or Check24 followed by direct checks with insurers not listed there, while ensuring key protections such as high liability limits, Mallorca cover, waiver of gross negligence, and extended wildlife or marten damage.