{
  "id": 1737872,
  "title": "Sanieren oder zuvorkommen: Versicherung kündigt? So sollten Verbraucher reagieren",
  "url": "https://urgent.news/2026/08/18/sanieren-oder-zuvorkommen-versicherung-kundigt-so-sollten-verbraucher",
  "topic": "business",
  "section": "Business",
  "published": "2026-08-18T15:28:23.000Z",
  "source": {
    "name": "Handelsblatt",
    "slug": "handelsblatt",
    "url": "https://www.handelsblatt.com/finanzen/steuern-recht/sanieren-oder-zuvorkommen-versicherung-kuendigt-so-sollten-verbraucher-reagieren/100248125.html"
  },
  "original_language": "de",
  "account": "When a person no longer needs an insurance policy or wishes to change their insurer, they can terminate the policy. However, many are unaware that insurers can also end a contract following a regulated claim. This situation can become problematic for policyholders, as they may face difficulties in finding a new insurer or receiving limited coverage due to perceived higher risk. The Bund der Versicherten (BdV) advises affected individuals to take immediate action after a policy cancellation. \"In some cases, insurers are willing to continue an existing contract if certain adjustments are made,\" says BdV President Bianca Boss. One such adjustment could be the introduction of a deductible or the increase of an existing deductible for a certain period. Another option, according to the BdV, could be excluding specific risks, but only if the excluded risk is considered insurable for the policyholder. If the insurer is unwilling to make any adjustments, a cancellation reversal could be a promising solution. The idea behind this is for the insured party to initiate the cancellation of the insurer's cancellation, thereby gaining better terms. In either case, policyholders generally have better cards as the first party to initiate a cancellation will likely secure a new policy. However, it is essential for consumers never to lie when applying for a new policy. Previous damages and cancellations must be accurately reported, as false statements can jeopardize the entire insurance coverage. With timely offers and willingness to compromise, it is often possible to find suitable insurance even after claims or cancellation, according to Bianca Boss.",
  "summary": "Wenn der Versicherer kündigt, kann das die Suche nach einer neuen Police erschweren. Was Betroffene jetzt tun sollten und welche Optionen es gibt.",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}