High-Noon-Falle beim Versicherungswechsel: 12 Stunden ohne Schutz

👉 Book an appointment: https://akv-heidelberg.de/terminbuchung/ When switching your homeowner's or contents insurance, there's an important pitfall to be aware of: Many contracts only begin at noon on the first day of validity, not at midnight. This can lead to unexpected problems in the event of damage, such as from fire, storm, or water, if the old contract has already expired. Alexander Kohl from AKV Heidelberg explains what you should pay attention to when comparing insurance policies to avoid such gaps in coverage. In this video, I'll explain the so-called "high noon trap" in insurance. It can be relevant, for example, with homeowner's insurance, contents insurance, or liability insurance – especially when switching on January 1st, but also mid-year. You'll learn what Section 10 of the German Insurance Contract Act (VVG) says about the start of insurance, why there can still be contracts that begin at noon, and what typical mistakes are frequently made when switching insurance providers. Furthermore, this video discusses Section 37 of the German Insurance Contract Act (VVG) and why the initial premium can be crucial for effective insurance coverage. When switching insurance providers, you shouldn't just focus on the premium, tariff, and date. The crucial question is: When does the coverage actually begin – at midnight or at noon? Chapter 00:00 High Noon Trap: 12 Hours Without Insurance Coverage 00:45 Insurance Start Date: Midnight or Noon – What Section 10 of the VVG Says 02:10 Switching Insurance on January 1st: Why New Year's Eve Can Be Critical 03:15 The 3 Most Common Misconceptions When Switching Insurance 04:55 Conclusion: Check the Date, Time, and Initial Premium Did you consciously pay attention to the time when you last switched insurance providers – or only the date? Feel free to share in the comments. If this video was helpful, please give it a thumbs up. And if you'd like to receive regular, easy-to-understand tips on insurance, retirement planning, and financial security, please subscribe to the channel. 👉 Book a personal consultation: https://akv-heidelberg.de/terminbuchung/ About me Alexander Kohl, owner of AKV Heidelberg, has been an independent insurance broker for over 25 years. We advise and arrange insurance coverage online nationwide. Note: This video is for general information purposes only and does not replace individual consultation. Whether and when insurance coverage applies always depends on the specific contract, the policy document, the terms and conditions, the payment of the initial premium, and the individual circumstances. #SwitchingInsurance #HomeInsurance #InsuranceCoverage #HighNoonTrap #InsuranceStart #ContentsInsurance #LiabilityInsurance #GermanInsuranceContract #InsuranceTips #AKVHeidelberg