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SONO Sterbegeld VVaG: cancelling, benefits and complaints

SONO Sterbegeld VVaG has its head office in Bottrop, Germany. The German regulator BaFin lists the company as a funeral benefit fund under register number 3105. This page explains where your cancellation must go, how to make a claim and how often customers complained to the regulator.

How to cancel with SONO Sterbegeld VVaG

Send the cancellation to the address printed on your policy schedule (Versicherungsschein). If none is given there, the head office is the right address:

SONO Sterbegeld VVaG
Westring 73
46242 Bottrop
Germany

For contracts signed after 30 September 2016 a letter or an email is enough: German law no longer allows consumer contracts to demand more than text form (section 309 no. 13 of the Civil Code). Give your policy number, your name and the date the contract should end, and ask for written confirmation. A German letter is not required, but it avoids delays.

If the contract can be taken out on the insurer's website, the site must also offer a clearly visible cancellation button (section 312k of the Civil Code).

Notice periods by type of policy

Disability, term life, pension and funeral cover

to the end of the current payment period

These contracts can be cancelled at the end of any payment period, so monthly up to yearly depending on how you pay. That is exactly the risk: disability cover given up now is often unobtainable a few years later with a diagnosis on file, and a pension contract surrendered early pays back less than you put in.

Special right to cancel: Instead of cancelling: defer the premium, make the contract paid up or reduce the sum insured.

Work out your last day to cancel

Making a claim with SONO Sterbegeld VVaG

  1. Notify the insurer with your policy number, in the event of a death without delay.
  2. After a death the insurer usually needs the death certificate and the policy document; the contract states who is the beneficiary.
  3. Ask which documents are still missing and keep a note of what you sent and when.

Contact details taken from the insurer's own website, checked on 15 October 2026. Your contract takes precedence.

Complaints about SONO Sterbegeld VVaG to BaFin

SONO Sterbegeld VVaG does not appear in BaFin's complaint statistics for 2023 to 2025. The statistics only list companies with at least one closed complaint in one of the eight classes covered.

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What SONO Sterbegeld VVaG is licensed to insure

The register does not list individual classes for this company.

A dispute with SONO Sterbegeld VVaG: ombudsman and complaints

The BaFin register does not name an ombudsman scheme for this company.

You can also complain to BaFin directly. Its consumer line is +49 800 2 100 500, weekdays 8 am to 6 pm.

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Further reading

Questions

Where do I send a cancellation to SONO Sterbegeld VVaG?

To the address on your policy schedule. If none is given there, to the head office: SONO Sterbegeld VVaG, Westring 73, 46242 Bottrop. For contracts from October 2016 a letter or email quoting your policy number is enough.

How many complaints were there about SONO Sterbegeld VVaG?

SONO Sterbegeld VVaG does not appear in BaFin's complaint statistics for 2023 to 2025.

Who supervises SONO Sterbegeld VVaG?

The Federal Financial Supervisory Authority (BaFin). It lists the company as a funeral benefit fund under register number 3105.

Who mediates in a dispute with SONO Sterbegeld VVaG?

The BaFin register does not name an ombudsman scheme for this company. You can also complain to BaFin directly. Its consumer line is +49 800 2 100 500, weekdays 8 am to 6 pm.

Sources

Updated: 15 October 2026 · All insurers · Complaints compared