House insurance after buying a house from previous owner

33 posts in this topic

When I bought my house the old owners gave me a file with everything from planning permissions for various things to the waste treatment system  and heating installation. It also contained the insurance documents for all the policies they had on the house that automatically transferred to me, they only missed one policy and I was able to cancel that as soon as I wrote to them. Sadly it seemed at the time there is no way to know what insurance has been taken out unless the previous owner lets you know.

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7 hours ago, Berlioz said:

Hi, we are having the same issue. We received a hefty bill 1 year after moving into our house from an insurance company. I have now read all about how the transfer happens automatically etc.however,  at no point during the whole purchasing process were we made aware of this. We received nothing from the insurance company informing us we were insured with them. So how is it meant to work? Who is supposed to inform you of this? The seller, real estate broker, notary, mortgage lender, the insurance company? I mean at the very least it is good to know who you are insured with! Even if I had been aware of this practice I would not have known who to contact to cancel. 

 

Thanks 

Who has the insurance company addressed the letter / Invoice to?

 

If it has your name on it, ask them to show you proof that you requested the insurance... 

If it has the previous owners name on it, return the letter, get your own insurance cover sorted..    

 

 

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23 minutes ago, SpiderPig said:

Who has the insurance company addressed the letter / Invoice to?

 

If it has your name on it, ask them to show you proof that you requested the insurance... 

If it has the previous owners name on it, return the letter, get your own insurance cover sorted..    

 

 

 

 

This won't work.   When you buy a house or apartment it is a legal requirement to have insurance before the transfer process and then the insurance is transferred to the new owner.   The new owner can then cancel the insurance after getting his name written down in the registration book (Grundbuch).

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1 hour ago, Krieg said:

The new owner can then cancel the insurance after getting his name written down in the registration book (Grundbuch).

I believe you have a period of three months from the date on which you are registered as the new owner to cancel the policy, and transfer to an insurer of your choice.

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Hi Everyone, 

I do not speak German and would like to know if there any Home insurance companies in Germany that provide automatic translations into English. Following massive storm damage to trees on my property I have been told that I am only insured for third party damage. 

This is a major problem for me.

By the way Ostrom do German - English accounts with English speaking consultants who are so much better that EON.

 

If you want to move to Ostrom use this code ALISS4X5Q6, and when they sign you up we will both get €35

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1 hour ago, Beachwoman said:

Following massive storm damage to trees on my property I have been told that I am only insured for third party damage.

 

Did your insurance company tell you this? Did you sign and insurance contract without understanding it? 

 

Doesn't look good.

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3 hours ago, fraufruit said:

 

Did your insurance company tell you this? Did you sign and insurance contract without understanding it? 

 

Doesn't look good.

"I do not speak German and would like to know if there any Home insurance companies in Germany that provide automatic translations into English."

I suspect the OP did not understand or would not be posting here and asking for advice.

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5 hours ago, Beachwoman said:

Hi Everyone, 

I do not speak German and would like to know if there any Home insurance companies in Germany that provide automatic translations into English. Following massive storm damage to trees on my property I have been told that I am only insured for third party damage. 

This is a major problem for me.

By the way Ostrom do German - English accounts with English speaking consultants who are so much better that EON.

 

If you want to move to Ostrom use this code ALISS4X5Q6, and when they sign you up we will both get €35

You have massive storm damage to trees on your property and you are concerned with " we will both get 35 euros???

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7 hours ago, john g. said:

You have massive storm damage to trees on your property and you are concerned with " we will both get 35 euros???

 

Oh come on, John!

If enough people sign-up, it´´ll pay for the storm damage, won´t it?! :rolleyes:

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Hi,

I sold my house three months ago and already moved back to France. Provinzial is still taking money from my account, I contacted them and explain I'm not living in Germany anymore, done Abmeldung and new owner should take over but they still book money off from my account.

Did anyone else had the same problems?

I think is absolutely illegal, they asked me about the grundbuch well I'm not in title anymore because I don't own the property anymore... They are incredibly! Any advice please! 

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Did you write to them by registered mail to cancel the contract (hiermit kündige ich...) and provide all the paperwork and request confirmation of receipt ? Was there a Kündigungsfrist ? There are specific procedures in Germany... maybe read the small print in your contract. A friendly chat over the phone won t cut it in Germany...

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true, you should write by registered Mail (Einschreiben mit Rückschein) and ask your bank to cancel direct debiting authorization i(Einzugsermächtigung) for the insurance company.

 

I would write a letter like this ...           

***good luck***

 

------------

Sehr geehrte Damen und Herren,

 

das Objekt [address], Grundbuch Nr. [123] wurde am [date] veräußert durch den Notar [name of notary], Urkunden-Nr. [456].

Der neue Eingentümer ist: [name and address of buyer]. 

Offenbar ist das Schreiben vom [selling date] bei Ihnen untergegangen.

In diesem habe ich gekündigt, der Einzugsermäctigunge widerrufen und angeregt, die Police Nr. [567] an den neuen Eigentümer zu übertragen, da ich bis dahin mit meiner Versicherung sehr zufrieden war.

 

Die Abbuchungen vom [date they took money] hätten folglich nicht mehr von meinem Konto eingezogen werden dürfen. Hiermit widerrufe ich erneut die Einzugsermächtigung.

Bitte bestätigen Sie mir den Erhalt dieses Schreiben und erstatten zu Unrecht abgebuchte Beträge innerhalb der Frist von 14 Tagen nach Erhalt dieses Schreibens. 

 

Um weitere Nachteile abzuwenden, sende ich Ihnen diesmal mein Anliegen per Einschreiben mit Rückschein mit der Aufforderung meinem Kündigungsschreiben vom  [selling date] zu entsprechen und sich künftig an den neuen Eigentümer zu wenden. 

 

Mit freundlichen Grüßen,

xxx

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