Autumn marks the start of the peak season for car insurance: while the insurance companies are putting the rates for the coming year on the market, policyholders have until the 30th of June to change their license plates.11. Orientation to be able to cancel and switch regularly. For this we offer a special service as a civil servant service: you can use a comparison with us to quickly and easily determine the best offer for your vehicle. Here are the most important facts.
liability insurance for civil servants
As an essential component of motor vehicle insurance, liability insurance lives up to its name: it is a genuine compulsory insurance. If you cannot prove that you have an active contract for your vehicle, which is subject to registration, you are not allowed to use it on the road. And not without reason, because liability insurance deals with all the damage caused to third parties as a result of the use of the vehicle. This module of the vehicle insurance takes over several functions at the same time:
It is examining the claims for damages on the merits and to the extent.
It fends off unjustified claims.
It settles justified claims and indemnifies you, the insured, against them.
It is therefore all the more important to compare the most favorable offer in terms of price and performance: civil servants in particular benefit from the discounted B tariffs compared to other occupational groups, so it is well worth doing some research. In addition, the personal no-claims class, but also the regional and type classes as well as some other subjective tariff characteristics determined the premium amount.
The comprehensive car insurance for civil servants
In contrast, fully and partially comprehensive insurance is one of the voluntary components of motor insurance that you can choose for your vehicle as a civil servant: while partially comprehensive insurance covers damage that can affect your vehicle without your own involvement, fully comprehensive insurance goes far beyond this. It includes partial coverage, but also provides coverage for damage to the vehicle caused by oneself or by unknown persons. This comprehensive form of vehicle insurance is worthwhile for civil servants, especially for new and high-value vehicles, but also for financed or leased vehicles.
To influence the premium, you can agree on deductibles – for partial and fully comprehensive insurance independently of each other. In order to determine the optimal amount of the respective own contribution, it is advisable to compare the contribution amount to be achieved in this way in a specific case.
Important to know:
while in the fully comprehensive insurance as well as in the liability insurance, damage-free driving is rewarded, the premium rate of the partially comprehensive insurance always remains at 100 percent – even after a settled claim.
What does the car insurance for civil servants cover??
Here is an overview of the most important points:
Fire, explosion, lightning
hail, storm, flooding
Theft and robbery
Glass breakage
marten bite
accidents
Vandalism
discount savers? For the car insurance for bemte?
You will come across the additional module discount saver or discount protection in the comparison: if you use this option, you will avoid the downgrading of your no-claims bonus class after an insured loss. please keep in mind that this discount does not apply if you change insurers – in this case, your contract will still be upgraded. Whether the comparatively higher insurance premium is worth it is up to your personal discretion.
The car insurance for civil servants itself calculator
to make it easier for you to compare your car insurance for civil servants, we have built in an additional function as a civil servant service: you enter the data once, can save it and call it up again and again. This way, you will be much faster when you want to evaluate the current conditions of the insurers, and you will be able to see directly whether the savings potential that opens up makes a change sensible. This is exactly what we value as a civil servant service – try out the comparison right away.