Is a car insured when it is deregistered?

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A car is only partially insured or not insured at all when it is deregistered. If you want to use your car again later, you can put the insurance on hold.

Properly insure a decommissioned car
Properly insure a decommissioned car

There can be different reasons for de-registering your car. The question of whether a car is insured when it is deregistered depends on what you are trying to do with it.

Your car will continue to be insured if it is sold

  • If you sell your car, you can deregister it at the vehicle registration office before handing it over to the buyer. The buyer can register it again himself. By deregistering, you can use the Car insurance quit. You will be reimbursed the premiums for the remaining contract period.
  • If you do not deregister the car, the buyer will first take over your existing insurance contract. However, he has a special right of termination. Until then, a car is definitely insured.

If the car is deregistered, the insurance is suspended

  • If your car is deregistered because you have shut it down, it depends on what you are trying to do with it. If the vehicle is decommissioned, it will be temporarily deregistered at the vehicle registration office. The insurance cover then also expires at midnight on the day in question.
  • You definitely need yours Liability- and inform the comprehensive insurer that the car is deregistered. If you intend to register the car again later, you can apply for the insurance contract to be suspended. To do this, you must present the de-registration certificate. The insurance contract is revived when you register the vehicle again.
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  • If you do not inform the insurance company within 18 months that you have re-registered the car, the insurance contract will automatically expire without you having to cancel it.
  • This retirement insurance requires that the car is usually insured against damage and theft for 18 months. To do this, read the conditions of your insurer.
  • If you finally and permanently deregister the vehicle, the insurance cover expires in full at midnight on the deregistration day.

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