Hello Forum, I have been insured with HUK24 since February 2004 (Liability + Partikasko). On 5.07.2004, i.e. 5 months after the start of the contract, I had an accident, on 9.07.2004 the workshop found that the car unfortunately has total damage. On the same day I registered the car, then for the sake of security I got a “second opinion” from another workshop, which was unfortunately the same as the first one. On 15.07 I bought a new car and tried immediately, with HUK24 via email (goes even n I have found that my accout has already been deleted at www.huk24.de without any notification of email. A day later I received a letter from HUK24 from which I could see that the contract was terminated on 9.07 “because of sale or venture” and that instead of approx. 280 Euro, which would be due in about 5 months, I have to pay 400 Euro, as the Invoicing had to be made after the short tariff, i.e. it would be 60% of the annual fee due. A billing check for 600-400 = 200 euros was also included (600 I paid in February for the rest of 2004). I never intended to terminate the contract, the car was cancelled only because of the total damage; I also intend to insure the new car at HUK24. What should I do with the short tariff? For what reason should I pay 120 euros on it? I didn’t send the registration certificate to HUK24; I assumed that even if that was done by the registration office, the contract would rest. Ask for a good advice. I tried to read the insurance conditions, but I just don’t look through it (I’m a foreigner). Thanks, saaonline