Hello, I have already used the search function, but found no exact answer to my question.. Quite common case: I have been insured with my first car over my father since September 2015 (second car from him). He is currently also the holder, I the registered driver. Next year the insurance is classified with SF5. Now I want to transfer the insurance to me and switch at the same time, because the current insurance provider would then be too expensive. D my father announces the VS at the end of the year, I register my car again on me, give a pre-insurance with SF5 and then inform the new insurance that the SF from the previous insurance should be transferred to me, as far as correct? Now the question arises to me how to do this now best in time without a year to get an SF increase (because registration and insurance start is not possible on 01.01, only on 02.01, So 2020 wouldn’t be a whole “driving year” and without staying for another year with the current insurance (change of approval now in October, but thus new contract term until October 2020 and must stay with the expensive insurance).When would you change the car and the insurance change, so that the term of the next year only goes up to 31.12 and I don’t give a SF? Bzw. is that at all possible? Greeting Nadine