Hello forum, the following situation. I have had a driver’s license for about 8 years and have also created my own vehicle in May 2008. Papa is insured with SF 21 or 23 with his car at Generali. I as a son then got a separate contract with SF2, as both are insured with Generali. Approximately 14 December (approx. 8 months) later, I received the new invoice for 2009 with now SF3 and a type class increase. However, due to the type class increase I would have a special cancellation bill t at the end of the year. However, I only wrote to Generali in the new year, about 7 January, that I can cancel. Then I received a cancellation confirmation from the insurance company for 31.12.2009. Today, however, I have found that the amount that was deducted for 2009 in advance was refunded to me. Does it mean that they have terminated this for 31.12.2008 after all? However, what would be my question, I have the right, since I was not insured for a full year, the SF2 or SF3 for the year 2009, to transfer to a new insurer, or will I then be classified with 140%? Greetings