EXCLUSIVE VERIVOX Cancellation Service:
when you sign the new contract, we will cancel your old contract – if you wish. For you: simple and free of charge.
Cancellation guarantee: verivox guarantees legally effective cancellation. This is how you can be sure that your old contract will end on time, if you have agreed to the cancellation and your information is correct.
Without paper and without signature: a change of registration at your registration office is not necessary. The authority is informed by the new insurer.
With the nowhere cheaper guarantee from verivox, you are on the safe side. If the same tariff that you have taken out via verivox is available at a lower price elsewhere, we will pay the price difference. We give you our word.
FINANZTIP(10/2021): top prices at verivox
FINANCIALTIP car insurance study (10/2021)
the independent consumer portal FINANZTIP looked for the cheapest prices for car insurance in its latest study. The result: car drivers find top prices at verivox. In the study, verivox was one of the test winners among the comparison portals.
FINANZTIP recommends: "comparison portals offer the best overview of the prices and conditions of different insurers." a double comparison – d.H. A combination of portal and direct insurer – most often delivers the cheapest price.
FINANCIAl TIP KFz STUDy (10/2021)
In its latest study, the independent consumer portal FINANZTIP looked for the most favorable prices for car insurance policies. the result: drivers find top prices at verivox. In the study, verivox was one of the test winners among the comparison portals.
FINANZTIP recommends: "comparison portals offer the best overview of prices and conditions of different insurers." a double comparison – d.H. A combination of portal and direct insurer – most often delivers the lowest price.
How to calculate the savings?
Cheapest offer: 480,16 euro
most expensive offer: 1345,04 euro
savings: 864.88 euro per year
model case – only high-performance rates compared:
tariff benefits: free choice of repair shop, protection in case of gross negligence, marten damage included. Consequential damage, extended wild damage
volvo V50 T5 (9101/AJL); first registration 06/2013; purchase 06/2019
civil servant (50) in heidelberg (postal code 69123); other driver: child (20); annual mileage 15.000 km
third party liability and fully comprehensive insurance with 300/150 euro deductible at SF 15
source: verivox versicherungsvergleich gmbh, october 2021.
Your independent insurance broker – initial information
car insurance despite negative SCHUFA
You can still change your insurance policy despite a negative SCHUFA a motor vehicle liability insurance take out. Only for the conclusion of additional insurances, such as a partial or full comprehensive insurance, a missing credit rating can be difficult. take out car insurance without positive credit rating you will usually only receive the minimum cover required by law. Here too, however, it can be worthwhile comparing insurance policies – because depending on the provider, conditions and prices can differ greatly. Use now the free insurance comparison from VERIVOX and find a cheap car insurance despite SCHUFA – up to 60% savings are possible!
- motor vehicle insurance despite negative SCHUFA
- car insurance without credit rating
- Tips: insurance despite SCHUFA
- your legal rights
- What are the restrictions?
- Reasons for rejection
- What to do in case of rejection?
- What does the SCHUFA ask?
- the rate comparison is worthwhile
- Frequently asked questions
- This is verivox
Without credit rating for car insurance: this is how it works
- Enter your zip code and personal data to start the comparison process.
- meet the following information for the requested insurance coverage:
- no additional driver insured
- vehicle use private
- Payment annually or via cash in advance
- Insurance coverage only motor vehicle liability
Done! Now just select the tariff you want and take out car insurance despite SCHUFA directly online.
Tips: how to obtain motor vehicle insurance despite a negative credit rating
With many insurance providers, it is possible that owner of a car and actual policyholder different persons can be. Therefore, take advantage of the possibility to insure yourself through another member of your family and therefore register yourself in the driver circle the insurance a.
If you have a negative SCHUFA entry, annual payment is often the only way to cover your insurance costs. However, this is a benefit, because by paying the insurance costs annually the premium is mostly lower, than with monthly rates.
also a payment in advance is risk-free for the insurance provider and you will in any case receive the coverage by a motor vehicle liability insurance.
The type class of a car describes how high the risk of damage of a certain car brand is. A type class of 29 or higher is especially critical for comprehensive insurance – because according to statistics, damage caused by accidents or vandalism is particularly high in this category. If you have not yet bought your own car, make sure that you buy a vehicle with the lowest possible insurance rating low type class.
your legal right to motor vehicle liability insurance
As car owners must according to the law in germany you have owning a motor vehicle liability. Without a corresponding proof of insurance coverage, your vehicle will otherwise be not registered for road traffic. The regulation of the legislator provides that their right to own a motor vehicle liability via an insurance provider has the right to refuse your application due to a negative credit rating.
This means: even with a negative SCHUFA entry, insurance providers must give you the opportunity to take out motor vehicle insurance.
What restrictions in the insurance coverage can there be?
If you would like to take out car insurance without SCHUFA, you have to expect certain restrictions. Although you have the right to coverage by a motor vehicle liability insurance policy, the sums insured in the event of a claim from most insurers on the legal minimum limited. What this means for your insurance coverage:
- coverage amount for personal damages: 7,5 million euro
- coverage for property damage: 1.12 million euro
- coverage amount for property damage: 500.000 euro
Some insurance companies also offer higher coverage amounts. The conclusion of a comprehensive insurance is with a negative credit rating mostly not possible.
What can be the reasons for a rejection?
Your application may be rejected by the car insurance provider if you are in the private insolvency slip. The car insurance provider gets this information from the SCHUFA report.
The reason: there is a high risk for the insurance provider that they will not be able to pay the insurance costs regularly.
Apply to an auto insurance provider that has terminated them in the past due to delayed or missing payments has already cancelled, this is how the insurer can refuse to insure you again.
the reason: due to the previous experience with a bad payment morale, the risk for the car insurer seems to be very high that you will be in default of payment again.
Do you have a oath of disclosure in case of doubt, rights and things can be seized from you. Here, too, there is a high possibility that the vehicle insurance company will reject your application.
The reason: the risk of default on the payment of your insurance premium is too great for the car insurance provider to accept.
Also your claims history can be considered a reason for refusal. Especially if their last provider terminated them because they caused or reported too many claims. False statements are also evaluated negatively. In the worst case scenario, you could end up in the HIS – the information system of the insurance industry. This list is visible for all insurances and so you can see at any time if you are already considered to be risk customer apply or not.
Attention: your application for insurance will not normally be rejected simply because you have points in flensburg.
rejected by the car insurance: what you can do now
If a car insurance company rejects you, you usually always have a scope for negotiation. For example, offer to pay the insurer’s annual insurance premium in advance. Alternatively, it is always worthwhile to make an insurance comparison after a application with another provider to provide. Also, consider simply insuring yourself through another family member. The easiest way to do this is to have your vehicle insured as a second car – this way you are even entitled to discounts or the additional protection provided by comprehensive insurance.
Tip: to prevent your family member from being downgraded to a lower no-claims class in the event of an accident, it pays to have additional protection in the form of a discount saver. This means that the no-claims class is retained even in the event of an accident.
SCHUFA information for car insurance: what is queried??
The SCHUFA (also: schutzgemeinschaft fur allgemeine kreditsicherung) generally provides information about a person’s creditworthiness and quantifies this with a score between 1 (bad) and 100 (very good). The SCHUFA score the insurance rate indicates how likely it is that a person will be able to pay off a loan, or. Whether the person generally has a positive payment record. SCHUFA does not store data on current account balances or incoming salaries, but it does store data such as the number of kilometers driven in a year:
- Personal contact data
- Account openings
- Current loans
- term contracts, such as for telecommunications
- Customer accounts with (mail order) retailers
- Already outstanding reminders and unpaid claims
- Warrants
- Information on private insolvency
Insurance companies can access this data to get an idea about the creditworthiness of your customers before accepting an application for motor vehicle insurance. When you apply for car insurance, you must therefore also provide the insurer with your ensure access to your SCHUFA data. this works for car insurance providers online and usually within a few seconds.
Car insurance without a SCHUFA check: is that possible??
The credit report for the conclusion of a car insurance to refusal is not possible. However, you don’t have to worry if you have a negative SCHUFA entry – you can still take out motor vehicle liability insurance.
Motor insurance despite SCHUFA: it pays to compare rates
So despite a negative credit rating, you can take out at least one car liability insurance policy. So you get at least the legally agreed minimum protection. The best thing to do is to use the free insurance comparison from VERIVOX to find out the best offer find the right insurance for your personal needs. We compare over 330 car insurance quotes and offer an independent comparison. If you have any questions about rates or insurance options, please use the free contact our car insurance experts call the hotline 0800 289 289 4.
Frequently asked questions
since you are legally entitled to motor vehicle liability insurance even with a negative SCHUFA entry, you will also receive your evb number despite schufa after taking out the insurance policy.
When taking out car insurance, the provider always asks for your current credit score. you can always insure yourself with a motor vehicle liability insurance – even with a negative schufa entry.
If you have a negative credit rating or a bad claims history, the car insurance company may refuse to accept you. However, this only applies to partial and fully comprehensive insurance rates. You will always receive motor vehicle liability insurance – this is guaranteed to you by law.
under certain circumstances, the car insurance company may terminate your policy. This often happens when they cause too much damage/accidents or can no longer pay their insurance. At VERIVOX you can easily find a new suitable car insurance despite schufa. Ownership of motor vehicle liability insurance is legally guaranteed and cannot be refused by insurers.
Even with a negative SCHUFA entry, you can register a car in your own name. The prerequisite is that you present proof of motor vehicle liability to the registration office.