Car insurance

Manage your policies securely and easily in your personal service area.

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Now to the test winner with the fairest price!
Your classic car insurance

More than 12 million customers have already chosen HUK-COBURG. And for good reason. You too can trust one of the largest car insurer in germany.

Your advantages at a glance

• With telematics on request– safe driving can save you up to an additional 30%.
• Particularly favorable conditions – you save 20% with kasko SELECT.
• Personal contact person – competent advice near you or on the phone.
• Competence in the event of a claim – fairest claims settlement and high quality in over 1.600 selected partner garages.
• Excellent service – to the 12. the best motor insurer among service insurers for the second time in a row (focus money, issue 36/2021).

save over 60% – your low-cost car insurance in price comparison

What does car insurance cost?

example: annual premium for a passenger car – 149,65 €

The premium is calculated for the following features in the rate calculator:

• Policyholder: employed engineer, born 28.02.1979
• driver: policyholder and wife (36 years)
• Vehicle owner: policyholders
• registration: in nordhausen, postal code: 99734; vehicle: golf VII 1.4 TSI (first registration 15.09.2021, registration on holder: 15.09.2021); HSN 0603; TSN BPX
• Annual mileage: 10.000 km; use: exclusively private; parking space: garage
• homeowners insurance: a single-family house insured with HUK-COBURG
• No-claims class: SF 23; fully comprehensive: with 300 € deductible; partial casco: with 150 € deductible
• Hull SELECT: included; motor vehicle cover: included
• HUK-combi-bonus: not included
• Telematics plus: 5% start bonus included in motor third party liability and own damage insurance
• financing: vehicle is self-financed
• payment method: annually by direct debit

This offer is valid from 01.01.2022 – source: NAFI 05.10.2021

The following benefits are recommended by stiftung warentest and are included here:

• motor vehicle insurance
• Mallorcapolice
• marten bite with consequential damages
• Extended game damage cover (collision with animals of all kinds)
• Extended elementary damage clause
• gross negligence
• Increased coverage of at least. 100 mio. € coverage

This is how our customers rate us

rate us on trustpilot if you are satisfied with our service.

You can’t do without motor vehicle liability

Without an existing motor vehicle liability insurance you are not allowed to drive a motor vehicle on public roads in germany.

• The motor vehicle liability insurance belongs to the few compulsory insurance in germany.
• When you register your vehicle, you prove the existence of liability insurance with an electronic insurance confirmation (evb), which you can obtain from HUK-COBURG.
• In addition to the absolutely necessary motor vehicle liability insurance you can opt for further benefits decide the insurance coverage z. B. Extend to damage to own vehicle. In the following, we will further introduce you to the various coverage components of a motor vehicle insurance policy.

What did you always want to know about car insurance??

What does the motor vehicle liability insurance pay??

If you drive your vehicle the property or the health of a third party damage, the motor vehicle liability insurance takes over the examination and the settlement of the claims, which the third person makes to you.

The liability insurance pays FOR EXAMPLE damage to a third party vehicle, collision with, but also the treatment costs for persons, who are injured in an accident with your vehicle. Covered are:

• property damage to third party property
• Personal injury, which arise from an accident caused by you
• Property damage, not preceded by personal injury or property damage.

What does the motor vehicle liability insurance of HUK-COBURG cover??

We convince you with benefits, the far above the statutory minimum standards go beyond. In your motor vehicle liability insurance, you benefit from, for example:

• High coverage amounts – 100 million € maximum indemnity for property damage, personal injury and property damage per claim (max. 15 million € per injured person)
• Mallorca policy – rental cars abroad are often insured with much lower sums insured than you are used to in germany. In the event of damage, the amount of coverage may not be sufficient. if the damage exceeds the coverage amount, you will have to pay the exceeding part of the damage out of your own pocket. the mallorca policy covers the outstanding amount up to the sum insured agreed with us.

Comprehensive insurance – covers damage to your own car

What does the partial?

The partial coverage insurance replaces damage to your vehicle caused by the following accidents:

• fire, lightning, explosion
• Storm, hail, flood
• Collisions with game and other animals
• glass breakage
• partial or complete theft of the vehicle including damage due to burglary
• Damage due to animal bites including consequential damage (e.g. B. marten damage)

What does the fully comprehensive insurance cover?

The fully comprehensive insurance includes always the benefits of the partial cover insurance.

In addition

• In case of self-inflicted accident
• In the event of damage to your vehicle due to vandalism

Prerequisite for the benefit after accident, for example, is that you have not intentionally damaged the vehicle.

What to pay& fully comprehensive insurance from HUK-COBURG ?

• At damage to the car pay for the repair necessary costs up to the amount of the replacement value.
• At total damage, destruction or loss of the car we pay the replacement value, the residual value of the vehicle we deduct.

The replacement value is the price you would have to pay for the purchase of an equivalent used vehicle on the day of the damage event.

Instead of the replacement value, we will pay the first owner the new price of the vehicle, if within 24 months after initial registration total damage, destruction or loss of the car occurs or the damage causes the necessary costs of repair to be at least 80% of the new price.

In the event of total loss, destruction or loss of a leased passenger car, the insurance coverage increases in the fully comprehensive our benefit is limited to the replacement value of the vehicle resulting from the lessor’s statement of account (including GAP coverage or differential hull insurance named).

The comprehensive insurance covers the following damages to your car. Overview part& fully comprehensive insurance:

you will receive compensation for damage caused by partially comprehensive insurance fully comprehensive insurance

breakage of the glazing

accidental damage, including self-inflicted

wilful damage to your vehicle by third parties / vandalism ("envy scratches")

damage caused by a burst tire

theft, especially theft as well as embezzlement or extortion

fire and explosion

forces of nature

collision with animals

short circuit of the wiring and consequential damage to the vehicle up to 20.000 €

animal bite (e.g. B. by a marten) to the vehicle and consequential damage up to 20.000 €

damage caused by transport on a ship

When does the car insurance cover?

• The motor vehicle liability insurance pays, if with your vehicle others – also the passengers – are damaged. If claims for damages against you are justified, the insurance pays for personal injury, property damage and financial losses. it defends you against unfounded claims.
• The partial casco covers damage to your own vehicle, z. B. Due to hail, broken glass, collision with animals or theft.
• The fully comprehensive replaces in addition to partial cover damage to own vehicle due to vandalism or accident.

When does the car insurance not cover?

• If damages deliberate damage was caused.
• If damage occurs during the participation in authorized races arise.
• In countries, in which no insurance coverage exists.

What does partial cover cost& fully comprehensive insurance?

• The premium amount in fully comprehensive-insurance is u. A. Depends on the no-claims class, while for the partial casco-insurance no SF classes are taken into account.
• With both types of comprehensive insurance you can choose a agree deductible (SB), to reduce the amount of your premium.
• When you take out fully comprehensive insurance, you are entitled to different deductibles for fully and partially comprehensive insurance choose.

How good are HUK-COBURG’s comprehensive insurance policies? ?

The Partial and fully comprehensive classic insurance from HUK-COBURG autoversicherung are characterized by special customer-friendliness, for example:

• Waiver of the objection of gross negligence – we waive the objection of gross negligence in most cases. you will then receive our benefits without restriction and without reduction.
• New price compensation – if your new vehicle is totaled, destroyed or lost within the first 24 months of purchase, we will reimburse you for its replacement value. In the kasko PLUS module, we even extend this benefit to 36 months and, in the case of used cars, we then reimburse you for the purchase value.
• Storm damage insurance starting from wind force 7 – we are one of the few insurers who will cover storms from wind force 7 (approx. 52 km/h) – not, as is customary in the market, only from wind force 8 (ca. 63 km/h).
• maneuvering and rolling damage – in the case of towing: mutual damage between the towing vehicle and its trailer without external influence is also insured. This includes z. B. damage caused by maneuvering, coupling or uncoupling, and rolling damage. Prerequisite is that the towing vehicle is fully insured with us and the policyholder of the towing vehicle is also the owner of the towed vehicle.

your car insurance: comprehensive protection – unbelievably cheap!

fully comprehensive or partially comprehensive insurance for my vehicle?

The partially comprehensive insurance offers a basic cover for your vehicle, while the fully comprehensive insurance a more comprehensive protection for your car. Whether you opt for fully or partially comprehensive insurance depends on your personal coverage needs and your financial possibilities dependent. fully comprehensive insurance usually costs more than partially comprehensive insurance.

• If you have your finance vehicle, is at least for the fully comprehensive insurance is recommended for the term of the financing, so that in the worst case scenario you do not have to pay a loan for a vehicle that has been destroyed in an accident. Also consider your financial capacity. you can easily replace your vehicle if it is totaled in an accident? If not, the conclusion of a fully comprehensive insurance is recommended.
• Orient not only to the age of the vehicle, but also at the acquisition costs. A ten-year-old small car is often available on the used car market for less than 2.000 € available. A ten year old sports car may cost much more than 50.000 €. While partially comprehensive insurance is usually sufficient for a small car, a sports car should rather have fully comprehensive coverage.

your car insurance: compare favorably. Calculate online now!

save money with the combi-bonus

Benefit already from the combi-bonus? With at least 2 combi-capable policies, the premium for your car liability insurance and comprehensive insurance is reduced by 5%. Learn more

save 5 % on your car insurance

important supplements for your car insurance

Extend the cover of your car insurance as required. Calculate and compare directly with us online!

Car insurance with driver protection

In the case of accidents caused by your own fault, you as the driver often go home empty-handed. Even in the event of an accident with no other party involved, such as a wild animal or a tree collision, the party at fault cannot be held liable. With our driver protection, you as a driver are also optimally covered – from as little as € 19 per year – and receive z. B. The following benefits:

• We support you in the event of a loss of earnings.
• We pay you pain and suffering.
• We will pay for other consequential damages.
• And you? Get fit again quickly.

you are not yet insured with us with your car?

• Include driver protection directly in your car insurance policy.

You are already insured with us for your car?

• Add driver protection to your "my HUK" service area,
• By phone 0800 2153153 (free of charge from all german telephone networks, mo to fr from 08:00 – 20:00)
• Or write to us.

Car insurance with comprehensive cover

The car insurance policy offers you immediate assistance around the clock. From 9.60 € per year, you receive comprehensive benefits, z. B.:

• We offer you fast roadside assistance.
• We send a towing service or recovery service.
• We organize a medical evacuation.
• And you? Get home safe.

You are not yet insured with us in your car?

• Include the protection cover directly in your car insurance policy.

you are already insured with us for your car?

• Add the driver’s protection insurance to your "my HUK" service area,
• By phone 0800 2153153 (free of charge from all german telephone networks, mo to fr from 08:00 – 20:00)
• Or write to us.

Even more protection in your car insurance: our car insurance policy.

Car insurance with telematics plus

With telematics plus, you can save up to 30% on your premium for motor vehicle liability insurance and comprehensive insurance – depending on your individual driving behavior.

• you will receive a start-up bonus of 5% on your premium for motor vehicle liability insurance and comprehensive insurance – regardless of your driving style.
• You can receive a consequential bonus of up to 30% on your premium for motor vehicle liability insurance and own damage insurance – depending on your driving behavior.
• You receive feedback on your driving behavior.

And this is how it works:
the "my car" app, in conjunction with a telematics sensor, records your journeys and analyzes them on the basis of various criteria, e.g. Acceleration, braking, steering behavior and speed. All these criteria have an impact on your total vehicle value and therefore also on your vehicle insurance premium. This means that the safer you drive, the more money you can save on your insurance!

Accident reporting service

Our accident reporting service is an important emergency call system that enables you to get help quickly in the event of a traffic accident. It consists of two components: the accident reporting plug and the accident reporting app. If the crash sensor of the accident report plug detects that the car is involved in a traffic accident in germany, HUK-COBURG will contact you by telephone. If you do not respond, we will forward the data to the emergency services if we have to assume a serious traffic accident based on the circumstances.

• Our claims team will contact you as soon as the sensor registers an accident.
• You will receive the support you need in the situation at short notice.
• In the event of a breakdown, you can use the manual accident alarm in many european countries and get a competent contact person who will support you directly.
• The accident alarm plug is simply plugged into the 12V socket or into the car’s power socket. Placed in the cigarette lighter.
• The accident reporting service costs you only 9 € per year.

The perfect complement to our car insurance: the accident reporting service.

Fully comprehensive classic with kasko PLUS in your car insurance policy

With kasko PLUS, you can optimally supplement your fully comprehensive insurance classic with z. B. These services:

• We refund up to 36 months after the purchase the new price for new cars or the purchase value for used cars.
• We will compensate you for self-inflicted personal damage with a deductible of 500 €, z. B. If you hit your garage door with the insured vehicle.
• And you? Continue driving.

Classic car insurance with foreign damage cover

The foreign damage protection insurance complements the classic motor vehicle liability insurance and accompanies you on trips and journeys to many european countries. It offers additional protection in the event of a road accident abroad for which you are not at fault, in which case we compensate your damage instead of the foreign other party to the accident. We are z. B. with the following services for you:

• We will compensate you for damages according to german standard, z. B. property damage to your car, clothes or luggage.
• We insure you and your car in these countries: european union, albania, andorra, bosnia-herzegovina, united kingdom
  (incl. northern ireland), iceland, kosovo, liechtenstein, northern macedonia, monaco, montenegro, norway, switzerland, serbia and in the european part of turkey. However, no insurance coverage exists in germany.
• And you? Recover on your vacation.

Classic auto insurance with discount protection

accidents are annoying, but they happen. It is all the more annoying when you have to pay a higher premium for motor liability or fully comprehensive insurance next year. With our discount protection, which you can arrange in the auto insurance classic product line, your contract will not be downgraded after a claim in the following year. For the discount protection we charge an additional premium.

• you pay an additional premium, we waive downgrading in the event of a claim.
• In the following year, after an accident, you will only drive in the same no-claims category.
• Prerequisite for the conclusion of the discount protection is a contract that has reached at least SF class 4.
• If you change to another provider, we will pass on the information about the damage to them.

Excellent protection for your car – unbelievably low priced: our car insurance!

save 20% with kasko SELECT

We offer you two service alternatives for your comprehensive insurance in the event of a claim:

kasko SELECT kasko with option of damage service PLUS

you make your choice	binding upon conclusion of the contract	individual in the event of a claim
your advantage	save 20% on your own damage premium	extra service
choice of repair shop by HUK-COBURG
transport to the garage	if the car is not roadworthy, not ready to be driven or the distance to the partner workshop is greater than 15 kilometers	inclusive
bring the repaired car home from the repair shop	if the distance to the partner garage is greater than 15 kilometers	including
replacement vehicle	we support you in renting a cheap replacement vehicle	inclusive
receipt of the manufacturer’s warranty in accordance with the EU regulation
guarantee on the repair by HUK-COBURG	6 years	6 years

Frequently asked questions about car insurance

What does SF class mean?

The no-claims class (SF class) indicates the number of claim-free years to. with each claim-free year, you are moved up one claim-free class – counting each calendar year in which the policyholder has at least. had car insurance for 6 months and did not report a claim.

The higher the no-claims class, the higher the insurance cover granted by the insurer no-claims bonus (and the premium rate to be paid is correspondingly lower).

You can read all about this topic in our guide to no-claims classes (SF classes).

How will my second car be classified in the SF class??

If you have a additional vehicle if you wish to insure a second car, you will receive, under certain conditions, an favorable classification for your car. in our rate calculators, simply select the option "second car" for the calculation.

We offer a better second car classification not only for cars, but also for quad, trike, motorcycle or camping vehicle.

you can insure your quad with our quad-insurance.

Why do I need the car insurance confirmation (evb) and how do I apply for it??

The electronic insurance confirmation (evb) replaces the formerly common coverage card and confirms the existing insurance coverage to the registration office. The insurance confirmation consists of a seven-digit letter-digit combination, under which the registration office can retrieve all relevant information from a central system. You need an insurance confirmation for the following transactions:

• New registration or change of vehicle
• Transferring a vehicle to another vehicle owner
• Re-registration of a vehicle that was deregistered
• Change of license plate number or change of residence outside the previous registration district

You can obtain your evb via our rate calculator, from your personal advisor in your area, or by calling our service hotline. If you submit an application via our tariff calculator, the evb will be sent to you by e-mail after receipt of the application.

Read more about the evb number in our guidebook.

Is a discount transfer possible and if so, where can I apply for it??

There are different ways to transfer a no-claims class (SF class). When insuring a second car, for example, you can transfer the previous SF classes to the new vehicle. It is also possible to transfer SF to or from another person.

The transfer of the no-claims class is subject to special conditions and is not possible in every case. In our tariff calculator you will find additional information and support in selecting your rating.

What does workshop commitment mean with kasko SELECT??

If you choose a contract without free choice of repair shop, save money and the processing of claims becomes even easier for you. In case of a comprehensive claim HUK-COBURG selects a suitable garage from a large network of. You receive attractive additional services and a fast and high quality settlement. If your vehicle is z. B. If the vehicle is still roadworthy and roadworthy and the workshop we have selected is more than 15 km away from your place of residence, we will have it transported there at our expense. If necessary, we can also help you find a replacement vehicle at a reasonable price.

Our partner workshops meet high quality standards:

• Repaired strictly according to manufacturer’s specifications with original spare parts.
• High level of service in branded or master workshops with DEKRA certification.
• We constantly control the quality of the repairs.
• We give you a six-year warranty on the repair. the manufacturer’s warranty remains fully valid.

Do I have problems with the manufacturer’s warranty in the event of a claim with kasko SELECT??

In accordance with the EU Commission, the manufacturer’s warranty remains fully valid if the vehicle is repaired professionally!

Which partner workshops does HUK-COBURG have under contract and what distinguishes them??

On our homepage you will not find an overview of our partner workshops. This is for data protection reasons vis-à-vis our partners. In addition, it is particularly important that you receive your vehicle back quickly and repaired to a high standard. That is why we will only name "your" garage in the event of a claim. This ensures that the named partner also has capacity available and can start the repair as quickly as possible.

The manufacturer’s warranty remains fully intact in accordance with the EU Commission if the vehicle is repaired professionally!

Who is allowed to drive? Who is insured (second and third drivers)?

When you take out your car insurance, you can choose the group of drivers define. You can choose z. B. Indicate that you and your partner or a child of full age are allowed to drive the car.

You can u. A. Agree on the following options with your insurer:

• You register as the sole driver.
• Your partner is also registered as a driver (second driver).
• multiple users are noted in the policy (expansion of the driver circle to include third drivers).

In addition, the age of the driver and, if applicable, the age of the vehicle also play a role. Participation in accompanied driving plays a role.
As soon as the group of people changes, you should inform us immediately. The premium will then be recalculated as of this date. In the event of an emergency, an unregistered driver may drive the vehicle.

You can also conveniently add second or third drivers in your personal "my HUK" customer portal.

when and how can i change my car insurance policy?

Registration of a new vehicle: you can change your car insurance on different occasions. The easiest way to change is to get a new car. When you register a new or used vehicle for the first time, you are also free to choose your car insurance provider. Simply calculate your premium with our rate calculator and apply for an electronic insurance confirmation (evb), which you will receive shortly by e-mail. Learn more about vehicle registration here.

Ordinary cancellation: you can also terminate your car insurance policy at the end of the contract. This is with many insurers at the 01.01. One year. The notice of cancellation must be received by the insurer at least one month before the expiry of the contract. Once you have given notice, you can apply for your new insurance policy at HUK-COBURG. We will then send a confirmation of insurance to the registration office at the start of the contract. you do not have to go to the registration office yourself.

Extraordinary cancellation after a claim: after a claim, you are allowed to cancel your car insurance extraordinarily. the cancellation is effective if it is received by the insurer within one month from the date of acceptance or refusal of the obligation to pay benefits. You can cancel with immediate effect or at a later date, but at the latest at the end of the contract. After the claim has been submitted, we will send a confirmation of insurance to the registration office.

In our guides you will find more information on how to change or cancel your car insurance.

Do I still need the green insurance card (international insurance card) for my car at all??

In the most european countries is the green insurance card (international insurance card, abbreviated: IVK) redundant. You can find out in which countries it is compulsory to carry a green card and where you can do without one in our guide on the subject of green insurance cards.

you can request a green insurance card by phone, e-mail or in your personal service area "my HUK.

What is the mallorca policy?

The mallorca policy is a extension of motor vehicle liability insurance on a european foreign country rented car. It is included in the classic motor vehicle liability insurance for cars, motorcycles and camping vehicles without a separate additional premium.

The mallorca policy applies to maximum 6 months from rental of the car.

Rental cars abroad are often insured for much lower liability sums than you are used to in Germany. In the event of a claim, the amount of coverage may not be sufficient. If the damage exceeds the coverage amount, you have to pay the exceeding part of the damage out of your own pocket. The mallorca policy covers the outstanding amount up to the sum insured agreed with us.

What does damage service PLUS mean??

In the event of a comprehensive claim, you are free to choose whether to leave the claim settlement to us or to handle it yourself. If you accept our offer "damage service PLUS", you will receive additional services, how z. B. A free replacement vehicle, a six-year warranty and make a fetch and bring service. With this all-round service, HUK-COBURG selects the workshop for you.

Do I need a sales contract when buying or selling a used car privately??

We recommend, always conclude a written contract. You can use our vehicle purchase contract for this purpose, for example. It ensures that you do not forget any essential data or information, such as e. B. The date and exact time of the vehicle transfer. please also read the "important information for the buyer" included in our car sales contract. For the purchaser".

What influence does the deductible have on the amount of the premium??

With the choice of a deductible you can amount of the premium in fully and partially comprehensive insurance influence. In the partially comprehensive insurance, the premium becomes more and more favorable as the deductible increases. In comprehensive insurance, the no-claims class, among other factors, also influences the premium amount. The higher the deductible and the SF class are, the lower is the premium payable.

What HUK-COBURG has to offer for electric and hybrid vehicles?

In addition to a premium reduction in motor vehicle liability insurance and comprehensive insurance – 10% for pure e-cars – also comprehensive benefits for the battery of your vehicle.

Can I also insure my classic car with HUK-COBURG??

yes, finally it is possible, also the everyday cars from the 60s to the 90s insure with us – at very favorable premiums. Because our offer is not a special product. You benefit from our classic, high-performance auto insurance – as you have come to expect from us.

Why do I need a short-term license plate and how can I apply for it??

A short-term license plate, also known as a transfer license plate, is a five days valid license plate. It has a yellow field on its right-hand edge in which the expiration date it is noted. These license plates are transfer or test drives as well as for the presentation of your car at TuV or dekra used.

In order to obtain the short-term license plate from the registration authority, you will require from the insurer a special confirmation of insurance (evb) for your car. Just let us know your request by phone or e-mail.

When do I have to pay the car insurance?

The first or single premium is 2 weeks after receipt of the insurance policy due. It must then be paid immediately (d. H. to be paid within 2 weeks) in order not to jeopardize insurance coverage retroactively. A subsequent premium is to the one in the insurance certificate or in the premium invoice specified date due for payment.

Interesting is the so called main due date (mostly this is the 01.01. of the year). the premiums are always charged in advance, so if the customer pays annually, he pays in january for the upcoming insurance year.

What is a motor insurance policy??

In the event of an emergency, the car insurance policy guarantees a claim to roadside assistance including towing service. In addition, if the car is no longer roadworthy, the cost of a temporary license plate when traveling is rental cars (passenger car) taken over. motor insurance policy also includes many other benefits, such as repatriation from vacation. A emergency call center is available to support the car driver in this process.

What is the type class for car insurance??

Type classes in car insurance are one of many factors that influence the amount of the insurance premium. They are based on the claims and accident rates of all vehicles registered in germany models in relation to the claims frequency, the average amount of damage and the development over the last three years. The lower the type class of a car, the lower the premium to be paid.

For more information on this topic, please refer to our guide to type classes& read up on regional classes.

What does regional class mean for car insurance??

regional classes are determined by independent experts and published once a year in september by the german insurance association. There is a cover for each of the over 400 registration districts in germany a own regional class. In certain metropolitan areas, there are even several regional classes for a single registration district. This applies, for example, in large cities such as berlin and hamburg. This sometimes results in different regional classes for one and the same street in a large city. The higher the regional class the higher the the insurance premium will be higher for the policyholder.

you can find more information about this topic in our guide typklassen& read up on regional classes.

What does car insurance cost for new drivers??

novice drivers – like senior citizens or motorcyclists – are groups with a higher risk of accidents. However, the insurance premium is based on many characteristics z. B. The insured vehicle, the parking space, or the annual mileage. So the premium for a new drivers with small cars have a lower insurance rate than for a frequent SUV driver.

Young drivers and novice drivers in particular can also benefit from our telematics tariff up to save 30% in motor vehicle liability insurance and comprehensive insurance and thus reduce your premium. Come by or give us a call, we will be happy to advise you personally.

What is the cheapest car insurance?

The cheapest car insurance is the one that should be much protection to a low premium offers. Of course, it costs less to drive your car only in the car liability insurance to insure. But is it really cheaper if you don’t get cover for damage to your own vehicle z. B. Due to hail or in case of self-inflicted accidents has? And then have to pay yourself? Partial and fully comprehensive insurance increase the premium, of course, but also offer a significantly higher discount better protection.

Excellent protection for your car – the affordable car insurance from HUK-COBURG!