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WERTGARANTIE SE has its head office in Hannover, Germany. The German regulator BaFin lists the company as a property and casualty insurer under register number 5162. This page explains where your cancellation must go, how to report a claim and how often customers complained to the regulator.
Send the cancellation to the address printed on your policy schedule (Versicherungsschein). If none is given there, the head office is the right address:
WERTGARANTIE SEFor 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).
Cancellation page of WERTGARANTIE SE
Motor insurance
one month before the renewal date (30.11.)
In Germany most motor policies run to 31 December, which makes 30 November the last day the cancellation can arrive. If your policy started mid year, count back one month from your own renewal date.
Special right to cancel: A premium increase, a reported claim and selling or deregistering the vehicle each carry their own deadline.
Property, liability, accident and legal expenses policies
three months before the renewal date
These contracts usually run for a year and renew automatically. To end one, the cancellation has to reach the insurer three months before the renewal date, not merely be posted by then.
Special right to cancel: On top of that, a claim you have reported and a premium increase without more cover each open a one month window to cancel, whatever the renewal date.
Contact details taken from the insurer's own website, checked on 15 October 2026. Your contract takes precedence.
WERTGARANTIE SE 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.
BaFin lists 4 classes of business under Annex 1 of the German Insurance Supervision Act for which the company holds a licence:
The Insurance Ombudsman scheme (Versicherungsombudsmann) is responsible. The procedure is free for consumers. Where the disputed amount is up to 10,000 euros, the decision binds the insurer; it never binds you, and you can still go to court. The limitation period is suspended while the case runs.
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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To the address on your policy schedule. If none is given there, to the head office: WERTGARANTIE SE, Breite Straße 6, 30159 Hannover. For contracts from October 2016 a letter or email quoting your policy number is enough.
WERTGARANTIE SE does not appear in BaFin's complaint statistics for 2023 to 2025.
The Federal Financial Supervisory Authority (BaFin). It lists the company as a property and casualty insurer under register number 5162.
The Insurance Ombudsman scheme (Versicherungsombudsmann) is responsible. The procedure is free for consumers. Where the disputed amount is up to 10,000 euros, the decision binds the insurer; it never binds you, and you can still go to court. The limitation period is suspended while the case runs. You can also complain to BaFin directly. Its consumer line is +49 800 2 100 500, weekdays 8 am to 6 pm.
Updated: 15 October 2026 · All insurers · Complaints compared