Under what circumstances can I change the policyholder?

Given the essential role of the policyholder in determining both the validity and the accrued history of an insurance policy, changes to the policyholder are only permitted in a limited number of specific situations. These include, for example, the death of the policyholder or the cessation of activity of the company listed as such. In all other cases, the policy must be cancelled and a new one taken out.

The policyholder of a car insurance policy is the person who takes the initiative to arrange motor insurance, or any other type of insurance, either for their own protection or for that of assets they own, such as a vehicle. The policyholder may also designate another person of their choice as the insured party.

This person is also responsible for paying the insurance premium agreed with the insurer.

Therefore, the policyholder is the individual or entity in whose name the car insurance policy is registered, although this may not necessarily coincide with the person named as the insured driver.

Owing to the importance of this role within an insurance contract, a change of policyholder is only permitted in the cases outlined below. Otherwise, the policy must be cancelled and a new insurance contract arranged.

When the policyholder is a natural person

In the event of the policyholder’s death, provided they are replaced by another person who was already listed on the policy and had been so for a considerable period of time, thereby allowing the accumulated no-claims or loyalty bonus to be retained.

When the policyholder is a legal entity

•    When the company ceases trading and another entity intends to assume responsibility as the policyholder.
•    In cases where the person named as the declared driver or insured party decides to take direct ownership of the policy, thus becoming the policyholder.

How to change the bank account details after changing the policyholder

When changing the individual or legal entity listed as the policyholder, it is also important to consider whether the bank account used for the direct debit of the insurance premium needs to be updated.
If you wish to change the bank account associated with the direct debit payments for your car insurance policy, please let us know as soon as possible so that we can process the change without delay.

To update the bank account used for the annual or instalment-based payment of your car insurance premium, simply contact us and inform us of your request.

You may complete this procedure using any of the following options:

•    By updating your billing details through your personalised access to our Customer Area or via the Caser mobile app.
•    By contacting your trusted Caser intermediary, who can carry out the change on your behalf.
•    By calling our Customer Service and Commercial Information line (+34 91 055 16 55 or + 34 91 055 16 56), where our team will guide you through the steps required to complete the change as conveniently as possible.