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Zurich Insurance Europe AG has its head office in Frankfurt am Main, Germany. The German regulator BaFin lists the company as a property and casualty insurer under register number 5151. 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:
Zurich Insurance Europe AGFor 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).
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.
Every year BaFin publishes how many complaints it closed about each company, split into eight classes of business. To make the figure meaningful we set it against the number of policies: complaints per 100,000 policies, next to the average of all insurers that report their portfolio.
| Class | Year | Complaints | Policies | per 100,000 | Market per 100,000 |
|---|---|---|---|---|---|
| Motor insurance | 2025 | 35 | 7,469,815 | 0.47 | 2.95 |
| Motor insurance | 2024 | 31 | n/a | n/a | 1.91 |
| General liability | 2025 | 5 | 743,261 | 0.67 | 0.55 |
| General liability | 2024 | 2 | n/a | n/a | 0.52 |
| Personal accident | 2025 | 3 | 2,477,695 | 0.12 | 0.16 |
| Personal accident | 2024 | 1 | n/a | n/a | 0.26 |
| Contents | 2024 | 4 | n/a | n/a | 0.68 |
| Buildings | 2025 | 4 | 286,013 | 1.40 | 2.27 |
| Buildings | 2024 | 3 | n/a | n/a | 2.12 |
| Legal expenses | 2025 | 9 | 486,088 | 1.85 | 1.71 |
| Legal expenses | 2024 | 5 | n/a | n/a | 1.18 |
Rank 2 of 71 in Motor insurance (2025), by complaints per 100,000 policies, lower is better.
Rank 23 of 59 in General liability (2025), by complaints per 100,000 policies, lower is better.
Rank 7 of 34 in Personal accident (2025), by complaints per 100,000 policies, lower is better.
Rank 13 of 46 in Buildings (2025), by complaints per 100,000 policies, lower is better.
Rank 14 of 24 in Legal expenses (2025), by complaints per 100,000 policies, lower is better.
What the figure does and does not say: BaFin does not assess whether a complaint was justified. A single large case can distort a year; BaFin attributes most of the 2025 increase to one single matter. Policy numbers are only shown where the company took more than 10 million euros in premiums in that class the year before, otherwise the table says n/a.
BaFin lists 18 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: Zurich Insurance Europe AG, Platz der Einheit 2, 60327 Frankfurt am Main. For contracts from October 2016 a letter or email quoting your policy number is enough.
In 2025 BaFin closed 56 complaints about Zurich Insurance Europe AG (Motor insurance 35, General liability 5, Personal accident 3, Buildings 4, Legal expenses 9).
The Federal Financial Supervisory Authority (BaFin). It lists the company as a property and casualty insurer under register number 5151.
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