Araç sigortamı ne zaman değiştirebilirim? Son Tarih ne zaman?

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Motorlu taşıt sigortasının iptali, temelde bir sigorta yılının sonunda bir ay önceden bildirilerek mümkündür. Motorlu taşıt sigortalarının çoğu için, sigorta yılı 31 Aralık’ta sona erer. Araç Sigortasına çıkış en geç 1 ay öncesi 30 Kasım’a kadar yapılmalıdır.

 Sigorta yılı sonunda sözleşme feshedilmezse otomatik olarak bir yıl uzatılır. Sigorta yılının sona ermesine ek olarak, özel bir fesih hakkıyla ilgili durumlar da vardır. En önemlileri: • Prim artışı – sigorta şirketi, prim artışını sigortalıya yazılı olarak bildirmelidir. Bu genellikle yıllık fatura gönderildiğinde gerçekleşir. Çıkış verilme süresi, bildirimin alınmasından itibaren bir aydır. Yıllık prim faturası bazen yalnızca Kasım ayı içerisinde gönderildiği için, birçok sürücü, prim artırılırsa özel fesih hakkı nedeniyle 30 Kasım’dan sonra bile araç sigortasını iptal etme seçeneğine sahiptir. • Bir tazminat talebi ( bir hasar veya kazada) – sigorta şirketine bildirdiğiniz her talepten sonra, sigortanın hasarı ödeyip ödemediğine bakılmaksızın sözleşmeyi feshetme seçeneğiniz vardır. Ancak, fesih, ancak tazminat müzakeresi sonuçlandıktan veya sigorta şirketi zararı kabul edip etmeyeceğini beyan ettikten sonra mümkündür. Bu noktadan itibaren iptal etmek için bir ayınız var.

Aracımı değiştirdiğimde araç sigortamı değiştirebilir miyim?
 Önceki arabanın kaydı silinmiş ve yenisi kaydedilmişse, yeni araba için yeni araba sigortası yaptırmanız yeterlidir. Bunu önceki sigorta şirketinizle yapmak zorunda değilsiniz, başka bir sigorta Şirketi seçebilirsiniz.. Eski otomobil satılırsa, önceki sigorta başlangıçta alıcıya devredilir. Bu düzenleme, bir araç için her zaman sorumluluk koruması olmasını sağlar. Sigortalı, başka bir Sigorta Şirketinden alınan sigorta sertifikasını tescil ofisine sunduğu anda, eski sözleşme feshedilmiş sayılır. Ancak alıcı, eski sözleşmeye kendi adına devam edebilir. Hasar görmeme bonusu buna göre ayarlanır – kendi hasarsızlık bonusunuz etkilenmez; bunu yeni sigortanıza aktarmanız yeterlidir. Her halükarda eski sigorta şirketinize satış hakkında bilgi vermelisiniz!

Neden araba sigortası değiştirilsin?
Bir araba sigortası değişikliği potansiyel olarak para tasarrufu sağlayabilir, çünkü birçok sigortalı için sigorta piyasasında mevcut olduğundan çok daha ucuz sigorta tarifeleri bulabilirsiniz. Bir önceki yıl özellikle ucuz bir sigorta yaptırmış olsanız bile, geçiş yaparak yine de tasarruf edebilirsiniz. Çünkü sigorta şirketleri, özellikle tüketicinin yararlandığı değişen sezonda düpedüz bir fiyat savaşına giriyor. Tasarruf imkânına ek olarak, sigortayı değiştirmek için elbette başka nedenler de vardır: Örneğin, başka bir sigorta şirketi daha iyi imkanlar, seçenekler teklif ederse veya sigortalı, sigorta şirketinin verdiği hizmetten memnun değilse.

Sigorta Şirketinizi değiştirirken yapacağınız fiyat tasarrufu ile birlikte verilecek hizmetler ve sağlanacak imkanlar çok önemlidir. Herhangi bir kaza durumunda veya hasar durumunda Sigorta Şirketinin size sunduğu hizmet çok önemlidir. 100 – 200€ tasarruf yapayım derken pişman olacağınız bir yanlış yapmayınız. Ucuz Sigorta Şirketi bulup tasarruf ettim derken, kaza veya hasar durumunda, Telefon açıp muhattap bulamadığını çok uğraştığını söyleyenleri mutlaka duymuşsunuzdur. Sigorta Şirketleri arasında İyi bir karşılaştırma ve seçim yapmak çok önemlidir.

Bilgiler Almanya için geçerlidir. Avrupanın diğer ülkelerinde farklılık gösterebilir. Avrupanın diğer ülkelerindeki bilgileri sizlerde bu gönderi altında yorumlarda paylaşabilirsiniz.

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