Car insurance despite schufa

It is possible to take out motor insurance despite negative SCHUFA. Since liability insurance is required by law in Germany, your SCHUFA file does not play a role in approval. The approval for a car insurance with partial casco despite SCHUFA entry, however, can be denied. The same applies to fully comprehensive insurance. In order to find a provider that offers you car insurance without a positive SCHUFA score, it is best to use the comparison calculator. Only in this way can you view numerous rates in an overview and find price differences at a glance. You can then simply apply for your desired tariff online.

Simply enter your data and compare suitable offers:

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Car insurance despite negative SCHUFA entry

Whether it’s a cell phone, credit card or even car insurance, consumers with a moderate SCHUFA score definitely have disadvantages when it comes to concluding contracts. However, the following applies with regard to car insurance: despite a negative SCHUFA entry, no rejection may be made, at least when applying for vehicle liability insurance.

How to find a car insurance despite SCHUFA entry

If you are looking for a cheap car insurance policy that you can apply for despite negative SCHUFA, you need to be particularly careful. Be sure to use the insurance comparison to get a complete overview of the market and find potential savings.

Not only does the scope of benefits vary for basic cover, but the costs for motor vehicle liability insurance also vary considerably depending on the provider. This is due not least to the fact that each insurer weights the criteria for checking the creditworthiness of the policyholder differently. For example, the same applicant for car insurance can be classified differently by two different providers despite a bad SCHUFA score.

If you would like to take out car insurance online using the comparison calculator without having a positive SCHUFA score, you should consider the following tips:

  1. It is worthwhile if you indicate that you pay the insurance premium at the end of each half-year or year.
  2. limit the circle of drivers to get your car insurance approved despite SCHUFA entry.
  3. You should only use your vehicle privately and accordingly select private use in the comparison calculator.
  4. Reduce the benefits to the essentials (if in doubt, waive partial and full coverage for your car insurance with negative SCHUFA)
  5. If you have the option, you can also insure your vehicle through your spouse or a family member, provided they have sufficient creditworthiness

Tip: improve your credit rating

To avoid getting into the situation of having to apply for car insurance without a positive SCHUFA, you can consider these two tips to improve your own credit rating:

Schufaauskunft

Obtain a free SCHUFA self-assessment report

You should regularly check what data is stored in your SCHUFA file. It is not uncommon to find outdated or incorrect entries, for which you need to make a correction or request a refund. you can arrange cancellation free of charge. this way you can positively influence your score. This will automatically improve their credit rating and give them a better chance of getting a commitment and favorable conditions for their car insurance.

Paying bills

Pay bills on time and in full

Not only their ability to pay, but also their payment morale plays a decisive role in terms of creditworthiness. If you pay outstanding debts regularly, on time and in full, you will have a positive impact on your own credit rating. Dunning letters, on the other hand, should be avoided at all costs, as these have a negative impact.

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Christina Cherry
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