Notice & Demand: templates and forms

A letter telling your motor insurer in Germany that you have sold the car, as § 97 of the German Insurance Contract Act (VVG) requires without delay: the vehicle, plate, policy number, date and hour of handover, and the buyer's name and address. The policy passes to the buyer with the car (§ 95 VVG); without the notice the insurer may be free from liability for later losses. It asks for a final account, the refund of any credit and confirmation of receipt. In German, to send by post or as a PDF by e-mail.

The seller's letter to their motor insurer in Greece after the car's digital transfer. A Greek policy neither passes to the buyer nor needs cancelling: it lapses by law 30 days after ownership or possession of the car passes (art. 8(2) of Presidential Decree 237/1986), and the insurer must return the unearned premium for the rest of the period. The letter identifies the policy and the vehicle, gives the dates of handover and transfer with the gov.gr certificate, and asks for the refund to an IBAN and for written confirmation of when cover ended.

The letter a freelancer in Germany — a translator, architect, consultant, teacher or journalist, for example — sends to the tax office (Finanzamt) on giving up their self-employed profession. Section 138 of the German Fiscal Code (AO) requires the notice within one month, and there is no official form for it. It gives the tax number, the kind of work and its last day, says whether the practice is closed or sold, deals with the VAT pre-returns and asks for the advance payments to be adjusted. In German, to post or to send through ELSTER.

For anyone who has had a road accident in Spain with damage to their vehicle: the letter to their own insurer or to the other vehicle's insurer that reports the accident, describes the damage to property, claims the amount and invites a settlement before court, as Spanish Organic Law 1/2025 requires. The policyholder must report the accident within seven days (art. 16 of the Spanish Insurance Contract Act). Sent by burofax with certified content. Not for personal injury claims. In Spanish.

For a private policyholder in France who wants to leave an insurer or mutual insurer. After a year, car insurance and a tenant's home insurance are cancelled by the new insurer, and a policy taken out online can also be cancelled online. This letter offers, as you choose: cancellation at any time, after a year, of another policy, such as supplementary health cover, effective one month after receipt (Article L. 113-15-2 of the French Insurance Code; Article L. 221-10-2 of the Mutual Insurance Code); cancellation at the annual renewal date; or cancellation of loan insurance at any time, with the lender's approval of the new policy (loi Lemoine). In French.

The letter telling your motor liability insurer in Austria that you have sold your car, as § 71 of the Austrian Insurance Contract Act (VersVG) requires: with the policy number, plate, chassis number, date and hour of handover, the buyer's name and address and the day of deregistration. It asks for the premium to be settled and prepaid premium refunded to your account, or for the policy to move to a replacement car, and for a confirmation of your claims record. Austria has no notice of sale to an authority. In German, ready to print, sign and send by registered post.

For notifying your own insurer of an accident, theft, fire, broken glass, vandalism or a weather event affecting your vehicle in France. The policy sets the time limit and how to notify, often online or by phone at no cost; the law does not allow less than five working days, or two for theft (article L. 113-2 of the French Insurance Code). The letter gives the policy, the facts, the damage, the other people involved and the enclosures. Sent by registered post with proof of receipt. In French.

The ticket usually comes with the police body's own free form for naming the driver, which can be used instead. This is the same notice as a letter in Italian, for the owner, the legal representative of a company or the lessee: the ticket's details, the driver's details and driving licence, with the driver's signed confirmation. It must be sent within 60 days of service (art. 126-bis of the Italian Highway Code), by registered post, PEC or by hand, even if you appeal or the owner was driving.

The registered keeper's reply when an Austrian authority asks who drove or parked a vehicle (§ 103 Abs 2 of the Austrian Motor Vehicles Act, KFG 1967): with the file number, plate, the time and place given in the request, and the name and address of the person who drove or parked it – or of the person who can say. Answering is compulsory, within two weeks of service, even about a relative; a false, incomplete or late answer can cost up to € 5,000. If the request comes with a reply sheet or the authority offers an online reply, you can use that for free. In German.

The reply to the German fines authority on a hearing form (Anhörungsbogen), sent because you are accused of a traffic offence, or a witness questionnaire (Zeugenfragebogen), sent because the vehicle is registered to you. It gives the personal details the law requires and, on the facts, your choice: no statement, a statement only after inspecting the file, a declaration that you were not driving, or reliance on the right of witnesses to refuse to testify or answer (§§ 52 and 55 of the German Code of Criminal Procedure, StPO). Nobody has to incriminate themselves or a close relative, and the letter names no driver. In German.

The notice of sale (Veräußerungsanzeige) by which a seller in Germany tells the vehicle registration office who the new keeper is: the buyer's name, date of birth and address, the vehicle, plate and VIN, the date and hour of handover, and confirmation that the registration certificate Parts I and II were handed over (§ 15 of the German Vehicle Registration Ordinance, FZV). The seller's motor vehicle tax ends only when it arrives (§ 5(5) KraftStG). Many registration offices also offer their own free form. In German, to print, sign and hand in on the day of sale.

A written claim by which someone harmed in a road accident in Cyprus asks for compensation directly from the at-fault vehicle's insurer, or from the Motor Insurers' Fund where that vehicle was uninsured or untraced. It describes the accident, both vehicles, the damage and the amount, asks for a claim number, a reasoned offer or reply, an inspection of the vehicle and payment to an IBAN, and reserves the right to go to court. It is sent by registered post or delivered against a signature; to the Fund it goes with the Fund's own claim form.

For the policyholder of an insurance policy in Spain (car, home, health, funeral or another kind, but not life insurance) who does not want it renewed: the letter tells the insurer that you oppose the renewal at least one month before the expiry date, as article 22 of the Spanish Insurance Contract Act requires, and asks that no premium be charged for the new period. Send it by burofax with certified content, which proves that the insurer received it in time. In Spanish.

For a borrower in France who accepted a consumer credit offer (personal loan, car loan, revolving credit, credit linked to a purchase) and has changed their mind. You withdraw within fourteen full calendar days of accepting the offer, without giving reasons (Article L. 312-19 of the French Consumer Code); the period is shorter, at least three days, if you asked for immediate delivery of goods bought on credit. The detachable form attached to the offer is enough and free; this letter does the same with your references and deals with repaying any funds already paid out. In French, to send by registered post with proof of receipt before the period ends.

The letter cancelling your motor liability insurance in Austria in the four most common cases: at the end of the insurance year (§ 14 Abs 2 of the Austrian Motor Liability Insurance Act, KHVG) — the anniversary of the policy's start, not necessarily 31 December, with the notice arriving a month before — after a premium increase (§ 14a KHVG), after a claim (§ 158 VersVG), and after buying a used car whose insurance passed with it (§§ 69 ff VersVG). With the policy number and plate. In German, ready to print, sign and send by registered post.

A letter for claiming accident damage directly from the motor liability insurer of the vehicle that caused it, as Austria's Motor Liability Insurance Act allows (§ 26 KHVG): date, place, the other vehicle's plate and policy number, how it happened, the damage, the amount so far, your IBAN and a date for a reply. The insurer must make an offer or give written reasons within three months (§ 29a KHVG), and the claim suspends limitation until it rejects it in writing. The same in every Land. In German, ready to print, sign and send with the accident statement and photos.

A letter reporting an accident or damage to your own motor insurer in Austria: under the liability cover where someone else may claim against you, or under partial or comprehensive Kasko cover for damage to your own vehicle. With the policy number, plate, date and place, who was driving, others involved, police, witnesses, what happened and the damage. Austrian policy conditions (AKHB) ask for prompt notice; your policy states the period. The letter records facts and admits no fault. In German, ready to print and sign.

A letter cancelling your German motor insurance with your current insurer: at the end of the insurance year, early after a premium increase or a claim, or after buying a used vehicle whose policy passed to you (§ 96 of the German Insurance Contract Act, VVG). For all cover or for the comprehensive cover only, asking the insurer to confirm the end date and refund any unused premium. For most policies, a cancellation for 31 December must reach the insurer by 30 November. In German, ready to send.

The first claim after a road accident someone else caused, sent straight to their German motor liability insurer: the date, time and place, the other vehicle's plate, your vehicle, what happened, the damage, the police and witnesses, the amount quantified so far and your IBAN, with a request to confirm liability in principle. Under § 115 of the German Insurance Contract Act (VVG) you have a direct claim against the insurer, and you must notify it in text form within two weeks (§ 119 VVG) — a letter or an e-mail will do. In German.

Reporting a loss to your own German motor insurer: to the liability cover when someone else may claim against you, or to the partial or comprehensive cover (Teilkasko, Vollkasko) for damage to your own vehicle. With the policy number and plate, the date, time and place, who was driving, anyone else involved, what happened, the damage, the police and witnesses, and a question whether the insurer wants to inspect the vehicle before repair. The model motor insurance terms (AKB) ask for notice within one week; your own policy's terms govern. In German.

The notice in which a seller tells their motor (RCA) insurer in Romania that the vehicle has been sold. A Romanian RCA policy does not pass to the buyer: the seller's contract ends on notification, and the premium for the remaining period is refunded if no compensation has been paid or is owed under the policy. The letter identifies the policy and the vehicle, gives the date of sale and the new owner, and asks for the refund to the account given.

A final demand before going to court, for use between private individuals or by a consumer against a business: the amount and what it is for, when it fell due, statutory late-payment interest from a stated date, the payment deadline and account, and notice of a lawsuit. It is the attempt at amicable settlement a Polish court asks about (art. 187 § 1(3) of the Code of Civil Procedure). Invoices between businesses have a separate document.

The injured party's claim to the at-fault driver's insurer: the date and place, the at-fault driver, their vehicle and policy number, the injured party's vehicle, what happened, the damage, the evidence, the amount claimed and the account for payment, reserving the right to a replacement-car hire refund. It reminds the insurer that compensation is paid within 30 days of the claim, and filing the claim interrupts the limitation period.

The seller's letter to the insurer that a car with OC motor insurance has been sold: the policy number, the vehicle, the date of sale and the buyer's details that art. 32 of the Compulsory Insurance Act requires. Since 10 September 2025 the deadline is 14 days, and until the insurer is told the seller is jointly liable for the premium with the buyer. It does not replace the notice to the district office.