Can Car Insurance Overlap? 
Certainly , but you do not want this situation as most policies contain a ` other insurance ' clause in them and this could create problems you do not need in the event of a loss/claim occurringin the ` overlap ' period . Follow the cancellation procedures outlined in the policy you desire to cancel and have no gap between the cancelled policy and the replacement policy . DO NOT RELY ON A NEW BROKER OR AGENT TO CANCEL YOUR EXISTING POLICY WITHOUT GETTING DOCUMENTATION IN WRITING THEY ARE SENDING APPROPRIATE CANCELLATION DOCUMENTS AND EVIDENCE TO YOUR CURRENT CARRIER . Remember , the contract is between you and your current carrier and only you -LRB- the named insured -RRB- can request cancellation of your policy . Also be aware that ` auto pay ' or ` EFT ' payment modes on an existing policy may not be terminated immediately and your account may be ` swept ' for a premium due within the next 21 to 30 days . Make sure your auto pay or EFT plan is terminated asap -LRB- and get evidence -RRB- when your policy is cancelled . 