SegurCaixa Adeslas activates a special protocol for customers affected by the torrential rains in different areas of the Peninsula. We are available to assist you on 900 103 500.

How to switch car insurance

Knowing how to switch car insurance allows you to change providers smoothly and without any surprises. You can switch insurers without losing cover or paying penalties, provided you follow the required legal notice periods and properly cancel your existing policy.

In this guide, we explain step by step how to switch your car insurance to SegurCaixa Adeslas simply and securely.

Can I switch car insurance at any time?

Yes, you can take out a new policy at any time. However, to ensure a seamless transition, it is advisable to manage the cancellation of your current policy correctly.

It is also worth to align the start and end dates of both policies so you avoid gaps in cover or accidentally paying for two policies at once.

Notice periods and legal deadlines for switching car insurance

Article 22 of the Insurance Contract Act sets out the notice periods that must be observed to prevent a policy from renewing automatically:

  • The policyholder can opt out of automatic renewal (known in Spanish insurance law as “tacit renewal”) by providing written notice at least one month before the policy's renewal date.
  • If the insurer wishes to alter the terms of the contract or decline renewal, they must notify the policyholder at least two months in advance.

What happens if I miss the cancellation deadline?

If you fail to give notice of cancellation within the required timeframe, your policy will automatically renew for another full year. This means you will remain tied to your current provider, even if you have already chosen to move to another insurer.

For this reason, it is best to check your renewal date well in advance so you have plenty of time to shop around for a new policy.

Steps to switch your car insurance to SegurCaixa Adeslas

  1. Check the renewal date of your current policy.
  2. Get a quote and compare SegurCaixa Adeslas car insurance cover with your current policy.
  3. Cancel your current policy in writing, making sure to give at least one month's notice before the renewal date.
  4. Take out your new policy with SegurCaixa Adeslas, ensuring the start date matches the day your previous policy ends.

Switching insurance without giving notice: Is it possible and what are the risks?

It is possible to take out a new policy before notifying your current provider of your cancellation. However, this does not mean your existing contract is automatically cancelled.

If you fail to submit your cancellation notice within the required timeframe, your original policy will renew automatically and your previous insurer can charge you for the renewal premium, which can lead to paying twice unnecessarily.

That is why it is essential to submit your notice of cancellation as soon as you decide to switch providers.

Documents required to switch car insurance

To set up a new car insurance policy, you will usually need:

  • Policyholder details.
  • Vehicle technical data sheet
  • Vehicle registration document (permiso de circulación)
  • Claims history

If you choose to switch your car insurance to SegurCaixa Adeslas, you will not need to provide proof of your claims history in most cases. This information is verified directly through SINCO, the shared claims-history database used by most Spanish insurers. You would only need to supply a certificate if your current insurer does not participate in the SINCO system.

Can you transfer your insurance from one car to another?

Yes. This scenario is different from changing insurers and is usually a simpler process.

In these cases, the existing policy is not cancelled, but it is adapted to the new vehicle. The insurer will update the conditions and premium according to the characteristics of the new car, without the need to take out insurance from scratch.

Benefits of switching your car insurance to SegurCaixa Adeslas

Before choosing an insurer, it is wise to compare not only the price, but also the level of cover and customer service you will receive when you actually need it.

When you switch to SegurCaixa Adeslas, you can enjoy benefits such as:

  • Roadside assistance in under 60 minutes in the event of a breakdown or accident that immobilises your vehicle anywhere in Spain.
  • Express damage assessment within 24 hours: An assessor will visit your chosen garage within one day of booking.
  • Claim payment within 48 hours of us correctly receiving all the documentation needed to process the claim.
  • Free 20-point safety check across our network of partner garages
  • partner garages offering home collection and delivery, plus priority repairs.

In addition, SegurCaixa Adeslas offers a range of policy options tailored to your needs, featuring cover designed to give you protection and peace of mind on every journey.

Summary: Checklist for switching your car insurance to SegurCaixa Adeslas

If you are thinking about switching providers, here are the steps to follow:

  • Check the renewal date of your current policy.
  • Get a quote with SegurCaixa Adeslas and compare cover options.
  • Submit your cancellation notice in writing to your current insurer at least one month before the renewal date.
  • Take out your new policy with SegurCaixa Adeslas, ensuring there are no gaps in cover between the two policies

FAQs

The answer to all your questions

It depends on the insurer and the specifications of the new vehicle. In many cases, there is no specific charge for the transfer, although your premium may be adjusted if factors like engine power, usage, or vehicle value change.

Since this involves updating an existing policy rather than taking out a new policy, the process is usually quick and straightforward.

Yes, this is possible. However, as changing the policyholder is a significant change to the contract, the insurer may update your terms or require a new policy to be issued.

The exact process depends on the circumstances, such as buying or selling a car or inheriting a vehicle, so it is best to check directly with the provider.