Car insurance: the arduous path through the rate jungle
fully comprehensive insurance usually pays out in the event of an accident
Once a year Insurers recalculate their rates, which is done on 1 January each year. October. From this point on, it pays to compare car insurance rates, because the rates are then for the new year up to date. The notice period for motor vehicle insurance runs however already on 30. november off. If you want to cancel your car insurance, you should do so as soon as possible. At the moment many providers with attractive new customer contracts. However, motorists must be careful here: no matter how tempting the price may seem, if the benefits of the car insurance are too low, the policyholder will be left with a claim for high car insurance costs sit.
So how do car owners find the car insurance and comprehensive insurance that suits their individual needs?? not all car insurance policies include accident insurance, for example. Some car drivers attach importance to this, while others do not need any. The cheapest car insurance with the best performance can be therefore not a lump sum determine: every vehicle owner attaches importance to different things. It depends on finding out which one is the right one for you personal are! This guide is intended to help you. Because the question "how should i insure my car??"depends on a lot of factors, which we want to give you an insight into.
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FAQ: car insurance
Before you take out an insurance policy, it is best to compare different offers from the insurers. you can compare different car insurances here.
Specific advice on car insurance
If glass damage occurs on a car, drivers should act quickly and arrange for professional repairs to be made. But who pays for the glass damage to the car and how is this to be reported to the insurance company?? Read more here! » read on.
When they get their driver’s license, many novice drivers also want to fulfill their dream of owning their own car. It is also important to consider the ongoing costs for the insurance, because the no-claims class for new drivers is not exactly favorable. Read more in this guide. » read on.
car insurance can be a big cost factor. That’s why you should compare the different providers before signing a contract. You can find out what you should pay particular attention to in our guidebook. » read on.
Tractors are slower and more cumbersome than cars. Nevertheless, you are also subject to compulsory insurance. At least one liability insurance is necessary. Some insurers offer special tractor insurance. We have a few tips for your comparison. » read more.
Anyone who wants to participate in road traffic with a car, for example, must have motor vehicle liability insurance that covers them in the event of damage. But how is it with electric cars?? Are there advantages with the insurance? Read it here! » read on.
When registering a vehicle at the registration office, you have to submit various documents. In this context, the so-called evb number also plays a major role. What is it exactly and how can you apply for such a number? » read on.
Engine compartments are safe hiding places for martens – much to the displeasure of the vehicle owner. If the small predators become aggressive, they like to vent their frustration on cables, hoses& co from. But who will pay for the damage that occurs?? How to avoid marten damage? » read on.
Year after year, many car insurance companies advertise that customers should switch to them. They offer lower prices and better benefits. But what deadline must be met exactly, if you want to change the car insurance? When is the key date? What exceptions are there? » read on.
A comparison on the internet can show that your own car insurance is far too expensive. But when can people cancel their existing car insurance to switch to another provider? Find out here when the important deadline is. » read on.
Motor vehicle liability insurance is compulsory for all cars in germany. However, some people have to dig deep into their pockets to get it. A change of car insurance often promises lower prices and better benefits. What to look out for and when you can switch, you can find out here! » read more.
Vehicles may not be driven on german roads without appropriate insurance cover. If you are looking for a suitable motor vehicle liability insurance, you will certainly stumble across the term "coverage amount". But what exactly is it and why is the amount of coverage so important?? » read on.
In germany, vehicles are only registered if they have valid motor vehicle liability insurance. policyholders are obliged to pay their premiums on time. But what happens if payment is not made?? If the vehicle is threatened with compulsory immobilization? » read on.
In the worst case, an unnoticed short circuit can cause a complete car to burn down. It is not uncommon for hooligans to throw firecrackers at cars and set them on fire out of destructive rage. What can victims do if their car has burned down?? Which insurance will cover you in this case? » read on.
Conventional insurance coverage is not sufficient in all situations. Especially in the event of an accident or breakdown, the consumer is dependent on immediate assistance. It can be worthwhile to take out a protection policy in advance, which guarantees support in these situations. Read our guide to the typical benefits covered by a motor insurance policy and what to look out for abroad. » read on.
It should be common knowledge that people can buy a car even though they do not have a driver’s license. But what about the conclusion of a motor vehicle insurance policy?? Is the possession of a driver’s license a mandatory prerequisite for this?? What are the disadvantages for policyholders who do not have a driver’s license?? » read on.
Many Germans who spend their vacations in other european countries travel to their destination in their own car. However, vehicle owners should inform themselves about the insurance coverage in advance. Under certain circumstances, it makes sense to have foreign damage protection for them. Click here to find out when this additional insurance applies. » read on.
Unfamiliar routes, a new vehicle and often different traffic rules: anyone traveling abroad in a rental car is at greater risk of an accident. In the event of an accident, it is worthwhile for riders to have a so-called mallorca policy. In this guide, we explain why it is important. » read on.
In the event of a traffic accident, the motor vehicle liability insurance of the person who caused the accident will pay for the damages incurred. But how is a motor vehicle liability claim settled?? Is there a notification period to be observed? Can a fictitious settlement be made? Learn more about this topic here. » read on.
Motor vehicle liability insurance is – as the name suggests – compulsory insurance. Without this insurance cover, your vehicle will not be registered. Find out here which benefits are covered by car liability insurance and which factors influence how high the costs will be. » read on.
Who is actually entitled to drive my car?? Again and again, drivers ask themselves whether the neighbor or a friend is allowed to use the vehicle temporarily. Are there problems with the insurance company?? Does the insurance coverage remain? Our guide enlightens you! » read on.
If you own a simson, whether a classic machine or a vintage car, you should also insure it well. In case of accidents or minor scratches in road traffic, simson insurance is highly recommended. Find out what you need to know about insurance and what types of insurance are available in our guide. » read on.
Many young people drive a vespa. But it should also be well insured if you drive it on the road every day. What is important for vespa insurance and what should be considered by every owner?? Find out more about this and other topics in our insurance guide. » read on.
an american hummer vehicle is not a common sight on german roads. Nevertheless, people who own such a vehicle would like to cover it. Find out what to look out for in hummer insurance and what types of insurance are available in our insurance guide. » read on.
There are a few points you should bear in mind when taking out mini-one insurance. As an insurance policyholder, it is important that the insurance comparison is carried out well. Find out how to do this correctly and what to do in general with mini-one insurance in our insurance guide. » read on.
What is the purpose of a mercedes insurance? Are there different types of mercedes insurance?? How are these providers best to find and where? You can find the most important information about mercedes insurance in our guidebook. » read on.
If you report an accident to your insurance company, this will have a negative impact on your no-claims bonus class. But how exactly does an upgrade take place after an accident?? Are there general rules for this or are these determined by the insurance companies themselves?? Learn more about this topic in this guidebook. » read on.
In this guide, you will learn how the repair costs are covered after an accident and which settlement options are available. In addition, we provide you with a repair cost acceptance confirmation for download. Find out when the insurance company is obliged to cover the repair costs. » read on.
After an accident, the injured party waits for the opposing insurance company to contact him or her. But how to react if the recall fails to materialize? Can the victim report the damage himself?? We explain whether you have to accept a surveyor from the opposing insurance company and in which situations the law is on your side. » read on.
After an accident, the damage to the car should be repaired as quickly as possible. However, the injured party should wait for a repair release from the insurance company. We explain what this means and what the courts have to say about the repair release, for example, does the insurance company have the right not to pay the costs if the facts change? » read more.
The following guide shows you how to react after storm damage and which insurance company will take action in the event of this type of property damage. In addition, you will receive all the information on what to look out for in general if storm damage has occurred to your vehicle. » read on.
In the following guide you will get all the important information about hail damage. You will find out how to proceed from an insurance point of view. Which insurance company will take action and cover separate damage and how should a policyholder react in this case?? this and more you will learn in the following text. » read on.
In the following guide, you will find all the important information on the topic of a coverage claim. What requirements must be met and what must generally be observed when filing a coverage claim. » read on.
What is provisional cover and why is it needed?? This guide provides you with all the important information about provisional cover. In addition, you will find out when the proof of provisional coverage must be presented and how your insurance plays a role in this process. » read on.
what is the green insurance card? Every driver and traveler who goes abroad with his car should be informed about carrying the green card. In addition, you will find out in the guidebook where you can obtain this card. » read more.
Vandalism or wanton destruction of your own property is very serious and can result in high costs. For this reason, it is good to know how the insurance company reacts in such a case. You will find all the necessary information in this guide. » read on.
This guide gives you all the important information about when a downgrade occurs in the event of a claim. From how much damage, which no-claims class is reached and how the payment in percent can look like in a worse class, you can also learn here. » read on.
In the following guide, you can find out when exactly an insurance claim is considered to be a case of force majeure and what points need to be taken into account. What force majeure means in the insurance sector and what a policyholder has to do in the event of an incident, you will also learn here. » read more.
With wild animals there is a distinction between feathered game and furred game. A road accident with the hairy deer can lead to some questions for insurance policy holders. How exactly to proceed in such a situation and which insurance company will take care of the settlement, you will learn in this guide. » read more.
Is driving without insurance coverage a punishable offense? What does german law say about the guidelines for car insurance?? The following guide will clarify the most important questions on the subject of "driving without insurance" at. » read on.
Whether a car insurance policy can be revoked and what exactly has to be taken into account, you can find out in the following guidebook. In addition, you will receive information on the deadlines for a revocation and the urgent need to observe for a withdrawal. » read on.
what to look for in a harley-davidson insurance and what is generally important to insure your motorcycle, you will learn in the following guidebook. We also explain what a harley-davidson insurer can offer to ensure full coverage for your machine. » read on.
In this guide, you will find all the important information about what is required for tractor insurance. What to look out for when choosing an insurance policy and whether there are any differences compared to a standard car insurance policy. it also explains what benefits are useful in insurance for the tractor. » read more.
In this guide you will learn everything you need to know about classic car insurance. What exactly is the H license plate for this type of insurance and what are the usual costs?. You will learn all this from the following article. » read on.
This guidebook tells you about fleet insurance on. Here you will find all the important information you need when insuring your fleet of vehicles. In particular, what to look out for when insuring an entire fleet commercially. » read on.
In this guide, you will find all the important information you need to know about rental car insurance. How do you proceed if you want to insure a rental car and what do you have to consider?? These and more questions are answered in the article. » read on.
This guide informs you about the topic theft insurance. Is this type of additional insurance necessary and what are the precautions to take in case of car theft?? What does theft insurance cover?? This and more you will learn in the following text. » read more.
In this guide, you will find all the important information regarding youngtimer insurance. What you should look out for when looking for insurance for your youngtimer and which requirements apply to a youngtimer vehicle. You can find all this out in the following article. » read on.
This guide gives you all the necessary and important information on the subject of car insurance and the cost of it. What needs to be considered, how to find a good insurance and what needs to be taken into account for novice drivers, you will learn in this article. » read on.
In this guide, you will find all the important information on the subject of transferring the no-claims bonus. In addition, what you should pay attention to when looking for an insurance and what it has to do with the no-claims classes, you will learn in the following article. Helpful tips for the comparison of insurance are also listed. » read on.
In this guide you will find all the important information on the subject of no-claims bonus. In the following article, you will learn what to look for when looking for insurance and what no-claims classes are. You can also get valuable tips on insurance comparison here. » read on.
Which 125cc insurance is most suitable? In the guide on the subject of light motorcycle insurance, you will find a wealth of information on how to find the best and cheapest insurance for 125 cc bikes. You will also find valuable information on how to compare insurances. » read on.
When is a discount protection useful? What are the costs and for whom is the discount protection worthwhile at all?? in this guide, you will find all the important information about discount protection and discount saver in motor vehicle insurance and learn whether you can keep the discount protection in the event of a change of insurance company. » read on.
Every vehicle that drives on the road needs motor vehicle liability insurance. In this guide, you can find out how to find affordable car insurance for your second car, why a comparison makes sense, and how novice drivers can benefit from second car insurance. » read on.
New drivers often enter the insurance with very high insurance premiums. But there are ways to save money on car insurance for young drivers. In this guide, you will find numerous tips and can use the insurance comparison calculator to search directly for suitable offers. » read more.
No-claims classes are based on the number of years driven without an accident. The longer a rider has not caused an accident, the lower the insurance premium will be. However, if the insurer has to settle a claim, you may be downgraded to a lower SF class. Find out more in this guide. » read on.
Due to daily and commercial trips, the operating risk for cabs is higher than for "normal" cabs car. Therefore, it is important to insure the vehicle with the appropriate cab insurance. You will find information on the costs and options for taking out car insurance for cabs in this guide. » read on.
the regional classes are based on the accident and claims records of each region. Nevertheless, every insurer can set its own regional classes. You can find out how many regional classes there are and how the regional classes have developed over time in this guide. In addition, you will learn by means of examples how the classification in the regional class is made in concrete terms. » read more.
The type class of your own motor vehicle together with the regional class determines the amount of the insurance premium. But what criteria do insurers use to classify vehicles in the appropriate type class?? Which vehicles have a particularly expensive class and which have a particularly low class? Find out more here! » read on.
When does fully comprehensive insurance make sense and in which cases is partial comprehensive insurance sufficient?? In this guide, you can read about the benefits of fully comprehensive insurance, how high the deductible can be, and much more. For this purpose, you can use the insurance comparison on this page to research suitable fully comprehensive insurance policies. » read on.
Which benefits are covered by partial casco and for which damages is the insurance not covered?? In this guide, you will find answers to the most important questions about partially comprehensive insurance and can use the insurance comparison to find the right partially comprehensive insurance for you in just a few steps. » read on.
Which motorcycle insurance is the best? the guide to motorcycles and insurance provides you with a wealth of information on how to find the best and cheapest motorcycle insurance. you can also find out here what damage is covered by partial or fully comprehensive motorcycle insurance. » read more.
How is the classification into the different car insurance classes done?? Which factors determine the premiums?? You can find out all the information about classification in the insurance classes and which factors determine the classification in this guide. » read on.
Overview: insurers in germany
Legal requirements for motor vehicle insurance in germany
First of all we would like to draw your attention to the legal basics of the motor vehicle insurance attentively. In germany each motor vehicle be insured; if this obligation is not met, various sanctions will be applied. A fine or even a custodial sentence due to a lack of motor vehicle liability insurance is possible – but in the event of an accident, you are still faced with a far greater financial problem. Because who then pays for the damage incurred at? not only your own car can be affected by a total loss, but as the person who caused the accident, you also have to pay for other damages incurred and this can be extremely expensive.
In the event of an accident, it depends on your insurance coverage to. Depending on which car insurance policy you have taken out, the car insurance company, which in this case acts as the accident insurer, pays a certain share of the damages. motorists who do not have insurance would not only come away empty-handed, but would often also not have the means to settle the costs incurred, as they could easily fall back on a 6-digit amount can accumulate! So that no one has to file for insolvency after an accident and every injured party receives compensation for damages, there is an insurance system in Germany compulsory motor vehicle insurance.
motor vehicle insurance is required by the "pflichtversicherungsgesetz"
Insurance comparisons are complicated. But savings are possible
In germany, the so-called "law on compulsory insurance for motor vehicle owners", also called "compulsory insurance law. It has been in force since 1965. It also deals with points relevant to traffic law. It states:
the owner of a motor vehicle or trailer with a regular place of business in the country is obliged to take out and maintain liability insurance for himself, the owner and the driver to cover personal injury, damage to property and other damage to assets (…) caused by the use of the vehicle, if the vehicle is used on public roads or places (…).
Each car owner in germany must therefore be insured in accordance with its no-claims class pay an insurance sum. However, motor vehicle insurance represents a community of solidarity; d.H. all members pay regular premiums, but most policyholders never have to make claims for financial compensation place. your premiums then end up in a common pot from which the claims are settled.
At the same time, the state ensures through its legislation that any car insurance meets certain performance standards, for example, as accident insurance pays out money to the injured party.
When choosing your insurance, also make sure to choose an insurance provider that is domiciled in Germany, as this is also required by the compulsory insurance law. Not obligatory for the car owner are additional insurance benefits, with which you can additionally insure your car, e.g.B. The passenger insurance.
A systematic approach based on your needs and your no-claims class oriented car insurance comparison helps you determine the benefits you need and thus find the right contract and the cheapest car insurance policy.
Driving without insurance cover is a criminal offense
In germany, every vehicle owner needs motor vehicle liability insurance
But what happens if someone ignores the law and no legal insurance coverage can show? The compulsory insurance law also contains a specification on this: according to § 6, a imprisonment of up to six months be the consequence. Also fines of up to 180 daily rates can be imposed by the court as a penalty. Drives the car driver intentional without car insurance, even his car can be confiscated if he is also the keeper of the car. At intentionality of the drive the penalty is naturally higher, but in individual cases this offense will be tried in a court of law. driving without a motor vehicle insurance is thus more than just a traffic offense, Which would be settled with a fine notice and associated fine!
Different types of insurance
In order to be in the tariff jungle in order to find your way around motor vehicle insurance, it makes sense to first distinguish between the different types of motor vehicle insurance. A distinction is made:
- insurances for different types of vehicles: for car, truck, motorcycle or motor home
- insurances with different services: partially comprehensive, fully comprehensive (note: only fully comprehensive car insurance includes accident insurance for your own car)!)
- In addition motor vehicle liability insurance the obligatory component for every motor vehicle. this is stated in the compulsory insurance law already mentioned above. Each vehicle is to be used in a certain no-claims class motor liability, according to which the costs for motor insurance are calculated (among other things).
car insurance for motorhome
With caravan insurance, a keeper must take out a motor vehicle liability contract. Whether partially comprehensive or fully comprehensive insurance is then added to the policy is a matter of choice optional. Since the motorhome is often only a few months a year motor home drivers want uncomplicated handling of insurance matters concerning their motor home. Accordingly, insurers offer tariffs that include not only the compulsory motor vehicle liability insurance, but also full or partial comprehensive insurance at the same time. When taking out such a contract, the insurance is complete with the payment of the annual premium – and the owner of the motorhome can carefree travel.
With a so-called "seasonal license plate" it is possible to register your motorhome only for a specific period to be used, z.B. During the vacation months of summer. The advantage is a lower premium for the insurance, but you may not drive your vehicle outside the period specified in the seasonal license plate not use. The insurance coverage exists nevertheless, but only as long as your car is not on public roads.
When insuring a motorhome, special attention must be paid to the fact that the coverage amount the motor vehicle insurance is high enough to pay for all claims arising from an accident with the motorhome. A motorhome is more expensive than a car, and therefore the resulting damage is much greater for the owner. Are you satisfied with the motorhome abroad on the road, it makes sense for your insurance to offer assistance even when you are abroad, ideally also by means of a 24-hour emergency call.
If you already have your first car insured and now need additional coverage for your motorhome, it may be worthwhile to insure your motorhome as an second car to be insured. You will then immediately enter a more favorable no-claims class and save money.
motorcycle insurance
In case of an accident, it is worthwhile to take out fully comprehensive insurance
motorcycle insurance must also be taken out by the owner. Through an insurance comparison should be a cheap motorcycle insurance which nevertheless offers sufficient benefits for the settlement of claims – either the statutory coverage amount of the liability insurance or a higher coverage amount of up to 100 mio. Euro. This is what you can decide when concluding the tariff.
There is also the possibility to take out a motorcycle comprehensive insurance to take out, and also partial casco is possible. However, motor vehicle liability insurance is also mandatory for motorcycles.
Depending on your requirements, you can also take out international cover add to it, or insure your motorcycle when transporting it on a ferry for example. The insurers also often offer fast and unbureaucratic help in the event of a claim. In the event of an accident with your motorcycle, for example, you will be reimbursed for repairs and the return journey will be organized for you.
Classic car insurance
owners of vintage cars usually drive them only rarely and with extreme caution; moreover, they are usually very attached to their cars and treat them very carefully. Therefore, the motor vehicle insurers can make a classic car insurance offer quite cheap. However, when you apply for car insurance for oldtimers, the insurers will certainly ask for the annual mileage of the oldtimer, in order to exclude the possibility that the car will be driven more often than calculated in the favorable tariff.
But beware "underinsurance" of your oldtimer! Vintage cars can deteriorate over time gain value, because, for example, they are coveted collector’s models. It is therefore advisable, when taking out a classic car insurance policy, to consult with your advisor about the increasing the value of your oldtimer to talk. If, for example, only a 10% increase in value is reimbursed in the event of a claim, this may undercut the real value of your vehicle, and in the event of a claim you will only receive back a fraction of the value of your classic car. This is also true if they are on the oldtimer restoration work have made. If, for example, the leather seats have been professionally renewed, this includes an increase in the value of your classic car, and this should also be reflected in the car insurance benefits.
Insurance for trailers
The insurance of a trailer is also obligatory according to the compulsory insurance law. Here there are motor vehicle insurers who offer a combination on partial casco and liability insurance offer for trailers. check if it is enough to insure your trailer with a seasonal license plate. If you do not use it regularly and it is parked in the garage most of the time, you can do without a high insurance fee!
With the trailer insurance it does not depend on the no-claims class premiums are always at 100%. However, some insurers make it a condition of the contract that the vehicle being towed is under contract with the same insurer. The costs for trailer insurance depend on the use of the trailer. The decisive factor is whether the trailer is used for private or commercial purposes. The commercial use is more expensive due to the intensity of use. the model of the trailer is also relevant when calculating the premium for the insurance.
car insurance for trucks
A truck can be insured in different ways: private or commercial are the two most common categories. Will the motor vehicle insurance commercial set up – because the truck is used for commercial freight transport – so the insurance premiums are higher here than for private use. Because with the commercial use it is more common for damage to occur that has to be settled by the insurers.
For the the amount of the insurance premium In the case of vehicle insurance for trucks, it also depends on what is being transported in the truck. Dangerous goods, for example, can cause high environmental pollution, which is reflected in the prices for truck insurance. With a theft of the goods transported in the truck, a car insurance will reimburse the damage. As an additional option of the truck insurance rate, the car insurance makes sense if expensive goods are transported and this happens regularly. At commercial use of the vehicle an optimal insurance protection for the truck is extremely important, since several livelihoods depend on the existence of the company and high costs arise in the case of damage! Therefore, the insurance coverage should be conscientiously reviewed and extended if necessary.
passenger accident insurance
According to an assessment by the foundation warentest passenger accident insurance is not worthwhile, since the benefits of this insurance are already covered by the regular motor vehicle liability insurance. In the case of passenger insurance all occupants of a car insured for a certain amount if there is a car accident.
What does motor vehicle liability insurance cover??
every owner must have a motor vehicle liability insurance for his vehicle. The services that these insurance concerns those damages that are caused to other road users by the operation of the vehicle on which it is based insured vehicle have occurred. If you have a accident happens, and you are responsible for it, then the liability insurance will pay for the damage caused.
Even if even no mistakes in driving damage can be caused by your vehicle. For example, if your vehicle has oil spill and other vehicles start to swerve as a result, then you – or better your insurance company – are liable for the damage. As accident insurance, it also pays compensation to the injured parties. In the language of the law this situation is called "strict liability.
also note that it is not the driver of the vehicle who is insured by the car insurance, but rather the vehicle. This means that the the owner is liable for any damage, the damage caused by his motor vehicle. Often the vehicle owner is also the vehicle driver. But if the car is lent out, the owner is still liable!
A workshop commitment can make the comprehensive insurance more favorable
Up to what amount the motor vehicle insurance pays for damages, this is required by law (section 4 of the compulsory insurance act). If an accident occurs with several injured parties, insurance company pays out to remedy the personal injury, but maximum 7,5 mio. Euro from. from this the hospital costs of the accident victims as well as following rehabilitation measures are to be paid. In short, the claims settlement after an accident is taken care of by the motor vehicle liability benefits. the insurance company also pays pain and suffering compensation from this money. In addition, the car insurance would also pay a regular pension for the accident victims if they are no longer able to work due to the accident.
In addition to the personal injury does the car insurance also pay for the property damage?. If in the accident, for example on the freeway, a crash barrier destroyed the motor vehicle insurance will cover the costs of this. The vehicles of the other injured parties are also repaired at the expense of the vehicle insurance company. However, the person who caused the accident can not make a claim: your vehicle will not be repaired at the expense of the car insurance policy! For this, it is necessary to have another type of car insurance, namely a fully comprehensive insurance. This also offers the driver himself a motor vehicle accident insurance.
insuring the car: costs of car insurance
With the decision for a motor vehicle insurance costs also play a role, of course. However, it is not necessarily worth saving too much, as the benefits may then be too low in the event of a claim. finally fall this year although the prices for new customer, but this is not really compatible with the fact that the number of accidents has been increasing recently, which makes it difficult for car insurers to higher costs incurred! Doubts arise as to the adequacy of the services provided by these car insurance companies.
To make it easier for you to choose the right contract, we will show you below which guidelines the insurance providers their pricing make. Before choosing a particular tariff, you should it is always best to make a car insurance comparison the costs and also the benefits for car insurance.
No-claims class determines the insurance premium
If you are looking for a contract, please note that depending on the class of damage different premium rates are due. However, the longer you drive your vehicle without an accident, the more your insurance premium falls. This in turn means that the fee for the car insurance also decreases. Since 1994, the contribution rates for the individual damage classes have been no longer uniform, but differ in each insurance, what you should consider before you change a contract. When choosing a car insurance, you have to compare how high the no-claims bonus is on the basis of costs of your no-claims class correspondingly fail.
the no-claims class of the motor vehicle liability insurance
There are different no-claims classes in germany. Here are the most common, but not all possible. Most car insurance companies use these shortcuts:
| SF 0 | you have had your driving license for less than 3 years. | 230 % |
| SF ½ | you have had your driving license for more than 3 years. | 140 % |
| SF 1 | you drove your vehicle for a year without any damage occurring. | 74 % |
| SF 2 | you drove your vehicle for two years without any damage being caused. | 64 % |
| SF 3 | you drove your vehicle for three years without any damage occurring. | 58 % |
| SF 7 | you drove your vehicle for seven years without any damage occurring. | 42 % |
| SF 11 | you have been driving your vehicle for eleven years without any damage being caused. | 35 % |
| x | you drove your car for x years without suffering any damage. | the longer you drive without an accident, the lower your contribution to car insurance will be. |
| SF M ("damage class malus") | you have caused damage by your vehicle. | Up to 245 |
The no-claims class is one element, which is taken into account when calculating the cost of insurance rates for a car insurance policy. However, it is not only used for motor vehicle liability insurance, but also for fully comprehensive insurance. With a car insurance comparison knowledge of your own damage class is therefore helpful.
Influence of the points account on the insurance premium
Whether someone has made points in flensburg, insurers also calculate this into the prices for his or her car insurance. Has someone already several points, this is how his premium rate for motor vehicle insurance increases. Because for a car accident insurance the driving history of the applicant of course relevant. At the same time, the amount of kilometers driven per year is also relevant. The insurers assume that someone who only drives a little will also be insured for less accidents is involved.
car insurance: second car gets better no-claims class
If you want to insure a second car, the damage class of your first car has an effect on this! You can expect to receive a rating for the second car in an favorable damage class is proposed if it is driven exclusively by an owner who has previously been in a good damage class. But in the event of an accident, this second car insurance often includes both cars upgraded!
New drivers pay more for liability insurance, fully comprehensive car insurance and partially comprehensive car insurance
Since 1994, car insurers in germany have had more options for calculating their rates than before. Since then classification of a policyholder in a specific tariff other items relevant. This is how it plays age of the vehicle owner a role in the cost of car insurance. Young novice drivers have to pay more than someone who already has a few years of experience behind the wheel. Because accidents occur more frequently among young drivers due to their lack of experience in driving, accident insurance has to be paid out more frequently, which means that higher costs for claims settlement entails. That’s why there is a separate no-claims class for new drivers.
contractual penalty for false statements
In the case of partially or fully comprehensive car insurance, it is also important where the car is parked. In the own garage it is better kept than on the road, so in this case the premium rate decreases. If you give false information when taking out car insurance, the following will apply contractual penalties often a whole year’s premium has to be paid on top of that!
When it comes to insurance: car model can influence price
The no-claims class is transferable
the damage class is not the only factor that determines the price that the motor vehicle accident insurance company sets for its insurance premium. In addition to the damage class, the complex calculations for the level of the prices include other items integrated. In the following section, you will find out which classes these are and why they are relevant for insurers.
An item at the calculating the cost of car insurance is the place where the vehicle was registered, the so-called "regional class". Statistically, accidents occur more often in certain places, especially with regard to vandalism. Then the premium rate for the car owner increases.
Also the model of the vehicle is relevant for the amount of the premium. Statistical considerations also play a role here, for example, if it is known that a certain model has a certain damage more often than is usually expected. Information on this is provided by the vehicle insurance classes, also known as the "insurance classes" "type classes" familiar.
car insurance classes 2017
The car insurance companies let every year estimate how high the repair costs of individual vehicle models are and then assign them to an type class (also referred to as comprehensive or liability class) is. The insurance classes for motor vehicles therefore significantly condition the the amount of the insurance premium for a car. An owner of a vintage car will get off comparatively lightly and will be placed in a favorable car insurance type class. Finally classic car are no longer driven often and are kept in very good condition by their owners. For this reason car insurance for classic cars be quite cheap!
type class reclassification can be expensive
What is there, matching the current cancellation period of the car insurer, new regarding the insurance classes cars in germany? As of 2015, 26 percent of all vehicles in germany have undergone a change in insurance class with regard to motor liability – 12 percent have improved, i.e. have been placed in a different class more advantageous and more favorable insurance class. 14 percent of registered vehicles in germany, however, are now in one of these classes worse type class again, which is associated with a higher insurance premium.
For the owners of the downgraded cars, there can certainly be a switching from partially comprehensive to fully comprehensive insurance is well worth it! Because there are different categories for fully comprehensive, partially comprehensive and liability insurance for the type classes. This is accompanied by the fact that a vehicle model that has been downgraded in the partially comprehensive category may not have been assigned a more expensive type class in the fully comprehensive category. partial casco insurance can simply be not worth it, as fully comprehensive insurance would be only a few euro more expensive.
A special right of termination applies in the event of a premium increase
If your vehicle is now classified in a worse type class If a vehicle is classified in a "regional class", this may result in higher insurance premiums. For consumers, this means that a special right of termination of your motor vehicle contract is granted and a change of insurance is also feasible outside the cancellation period. Whether this is worthwhile, the individual case must show. After all use all insurers the type classes and increase accordingly the prices.
comprehensive insurance: optional for motorists
Car drivers do not need mandatory comprehensive insurance. However, it is worthwhile for most people, as it covers financial risks that drivers would otherwise have to shoulder on their own. First of all we want to show you the difference fully comprehensive/partially comprehensive to make it easier for you to decide for or against comprehensive insurance.
What is partial casco? What does the partial casco pay??
What happens in the event of damage z.B. Theft of the vehicle, damage caused by bad weather, or damage to the car due to fire or explosion? In this case it is useful to have partial coverage insurance to have taken out. Partially comprehensive insurance is not obligatory; it is a voluntary insurance benefit before. It is a supplement to the motor vehicle liability insurance, in which the settlement of claims is also extended to your own car.
The benefits of the partially comprehensive insurance must be examined carefully
This also includes damage caused by marten bites or mud fires in the car due to faulty wiring, caused by storm damage or hail damage. Each tariff is often only different in nuances; therefore, before concluding a contract for partial cover insurance, read the tariff carefully contract, to find out which services are covered by the respective motor vehicle insurance and which are not offered by your partial cover insurance.
But not always insurance coverage applies to partial coverage. Vandalism, for example, is not covered, and partial casco is also not a fully-fledged accident insurance: because your own car is not repaired at the expense of the vehicle insurance in the event of damage in an accident. Whether a partially comprehensive insurance makes sense is therefore worth detailed consideration.
Partial cover: deductible and workshop commitment reduce insurance costs
An lower insurance premium you can negotiate to pay a deductible to repair damage in an accident, or agree to have damage repaired at certain repair shops that have a cooperation have concluded with your car insurance company.
The costs for partial cover insurance calculated according to similar characteristics as for car insurance. Also here must be especially young drivers expect high premiums. If the car has already been partially insured in the past two years, the costs for the tariff will increase. However, the no-claims class of the vehicle insurance does not play a role in the partial cover insurance. An alternative for a partially comprehensive insurance can be a car insurance its. A letter of protection specifies the services for which the provider will help the motorist, e.g.B. In case of breakdown or theft.
What does partial cover include??
What does partial casco cover?? As a rule, these points are covered, but sometimes there are further restrictions in the terms and conditions of the contract:
- Marten damage
- Damage to the wiring (smut fires)
- Glass breakage
- game accidents
- Storm damage
- Floods
- lightning strike
- fire damage
- Explosions
- Burglary damage
Fully comprehensive insurance: car is covered all around
Who pays if your own car has been damaged in an accident and you yourself are the cause of accident apply? This is where your fully comprehensive insurance pays. It is another type of car insurance and has the additional benefits of a partially comprehensive insurance. Fully comprehensive insurance is also a optional component of the insurances for the car. Unlike partially comprehensive insurance, your no-claims class make a claim in order to negotiate a favorable contract for car insurance.
The cost of car insurance cannot be compared across the board
fully comprehensive insurance covers more damage than partially comprehensive insurance. But it is also usually more expensive. A fully comprehensive insurance not worth it for every driver! But it includes motor vehicle accident insurance, which covers most types of damage.
For example, if you have a new car should consider replacing this with a fully comprehensive insurance to be insured, since here in case of emergency (z.B. In the event of a total loss) the car insurance claim settlement will repair an extremely expensive damage. fully comprehensive insurance also fixes your fear of vandalism: fully comprehensive coverage also includes repair of cars damaged by vandalism.
Does fully comprehensive insurance make sense? You should compare here whether a fully comprehensive insurance for them it is not just a little more expensive than the partially comprehensive option. Because after many years in partial casco without damage, the change to the fully comprehensive insurance worthwhile, since you are then already in a favorable no-claims class – which you cannot claim with partial cover insurance, but which can lead to lower premiums with fully comprehensive insurance.
fully comprehensive or partially comprehensive?
fully comprehensive insurance includes the benefits of partial comprehensive insurance, and in addition you are also insured against vandalism and accidental damage. Here, too, a deductible can be negotiated. At certain circumstances however, the car insurance does not pay, for example in the case of drunk driving or broken tires. Even if despite driving ban If the vehicle was driven, the insurers will not pay any benefits or will reduce them. But in the case of accidents that occur due to gross violations of traffic law and stvo, this fully comprehensive insurance usually settles the claim.
Comprehensive insurance deductible
For the fully comprehensive insurance costs you must also submit your deductible calculate. In the event of an accident, you agree to pay this contribution through the contractually agreed deductible yourself to pay. Comprehensive insurance offers car drivers an advantage in terms of the amount of the insurance premium. The fully comprehensive insurance with deductible includes in the rule a personal contribution of 500 euro, the policyholder has to pay in case of accidents himself. the partial cover excess is normally 150 euro. The deductible for the partially comprehensive insurance may not be worth it if the regular partially comprehensive insurance premium is not too high anyway.
motor legal protection
this type of car insurance can also be taken out voluntarily. It includes a legal protection insurance regarding legal problems with the motor vehicle. According to experts, the coverage amount here should at least 250.000 euro are. Furthermore, motor legal protection is only worthwhile for frequent drivers.
Costs for car insurance vary greatly
The individual rates for fully comprehensive, partially comprehensive or auto liability insurance can diverge very strongly. Therefore it is difficult to average score to indicate the insurance costs for the car. Above, there are many elements that have an impact on the insurance premium. A complex interaction of many items has the amount of the insurance premium to the result. in addition to the legally obligatory motor vehicle liability insurance, there may also be a fully comprehensive or partially comprehensive insurance the car accident insurance covers most cases of damage to the car. This also makes it difficult to give an average value for the cost of insurance. The car insurance costs can therefore only be calculated individually. Car insurance for an alfa romeo 4 C 1.8 T, for example, costs 118 euros per month, with 49 euros for liability insurance and 69 euros for fully comprehensive insurance. Here only helps: independent compare according to your own vehicle model and no-claims class to get an approximate idea of your individual car insurance costs.
Saving on car insurance for new drivers
Motor insurance for novice drivers is usually expensive
There are serious differences, what is the cost of car insurance?. And even novice drivers do not treat all insurers equally. Although they generally have to pay a higher premium than the other road users. But even so, even novice drivers can be placed in different no-claims classes when they take out their first car insurance policy saving. Unfortunately, even for young drivers, there is no such thing as "cheap car insurance for novice drivers".
Regarding the car insurance for "beginners it can make sense to register the car as a to register the parents’ second car. This makes sense due to the classification of the car in a more favorable no-claims class. If the talk is of "transfer car insurance" this is exactly what is meant by this procedure. Depending on the terms of the contract, this may be the case in some contracts within the family possible. But only as many years of no-claims class can be transferred to a novice driver as he already has his driver’s license. Someone who has held his driver’s license for 3 years is thus classified in no-claims class 3 (SF 3) classified. The transferor loses his or her entire no-claims bonus. So if one of the parents gives his or her child the transfer no-claims class wants can, under certain circumstances many years of no-claims bonus simply lapse. This is the case, for example, if the parent is in SF 20 – i.e. has been driving for 20 years without an accident – and the child has only had the driver’s license for 3 years. the child will be in SF 3 after the transfer and will have to pay the premiums accordingly. The transferor is then again in the no-claims class 0, so again pays 100% of the premium.
Another option for novice drivers, with the when you take out your car insurance for the first time to save money is the following: after obtaining their driver’s license, novice drivers should 3 years wait to benefit directly from a more attractive no-claims class when you sign up, the no-claims class 1/2. Some insurers also offer novice drivers the option of transferring after the passing a driving aptitude test to get a lower premium. it is best to obtain information on this directly from the car insurer to which you wish to switch.
novice drivers do not have "discount protection
novice drivers can also often add to their vehicle insurance no "discount protection or it is much more expensive than for vehicle owners in a better damage class. to choose a suitable contract for car accident insurance here, you should compare different options so that you do not pay too much.
How to choose a contract?
car insurance comparisons
When deciding to cancel the contract and switch: don’t be fooled by advertising! New customers in particular are often lured with offers for vehicle insurance that only look attractive – but aren’t. Often it is not worth switching to other car insurance at all, since the insurance premium for a new customer appears more favorable, but in the end the car insurance provides less service than the previous one!
If they change their contract and have what is known as a "discount protection" If you have booked additional insurance, you must also be careful! The so-called car insurance-"discount protection" will think of your new car insurance namely not passed on, since you have only booked this with your current insurance company. The discount protection has the effect that, depending on the terms of the contract, you z.B. Once a year have a damage free. This means that despite the damage, there will be no upgrade in the insurance premium, so that they will continue to benefit from more favorable premium rates benefit. For new contracts, the discount protection option is often not available. Here’s how supposedly more favorable contract, in case of an accident, the insurer you want to change to may turn out to be more expensive, because your damage class is lowered by the change.
Compare the coverage amount of the motor vehicle liability insurance
by law, motor vehicle insurance policies are covered in their function as accident insurance up to a compensation of 7.5 m. euros for personal injury and 1.12 million euros for property damage obligates. If the accident is more expensive, the person who caused the accident must pay for the damages. Since accidents are actually far more expensive for the cause it is advisable to choose a car insurance policy that offers a higher coverage amount offers. This costs comparatively little more.
When you change the contract, the old insurer transfers your data to the new insurer. This will find out in which no-claims class you have been up to now, how many years you have been driving without a claim and whether and how many claims you have had in the past 2 years by your vehicle were caused. The so-called "discount protection" will, however, not be passed on to your new insurer, which you should definitely take into account!
Changing and terminating car insurance is only possible within certain deadlines
In the event of a total loss on a new car, fully comprehensive insurance is often worthwhile
The change of car insurance is usually uncomplicated. you will have to cancel your current car insurance in the process. many providers make it easy for their customers by offering change offers offer. Insert cancellation letter car insurance and send it preferably by registered mail to the previous provider. the change of car insurance is fluid, so that your insurance coverage remains valid at all times. As long as you do not make use of your special right of cancellation, you must give notice of termination of your car insurance policy by the 30th working day after the end of the insurance period. November with the insurer. In the interim register with a new insurance company. Your new insurance policy will then take effect on 1.1. of the following year in force. Until then, the insurance coverage with your old provider still applies.
Compare prices, save and still drive safely
26 percent of all motorists stay with their first insurance policy. That’s a convenient way to go; but you can only save if you regularly check the prices compare the prices of car insurers. Price differences of over 50 percent are not rare! The a cheap car insurance that works for every motorist attractive, however, do not exist. Only a car insurance comparison can show you the options so that you keep your car insurance costs as low as possible. Car liability insurance, fully comprehensive insurance and partially comprehensive insurance are definitely worth a price comparison. But you should also not under all circumstances change your car insurance – maybe you are already on the right car insurance for you.
In the car insurance list you can see which major providers of car insurance there are in germany. a few more words about the direct car insurance offers: direct car insurance is characterized by particularly favorable rates, because the administrative structures of the insurers are kept small here, as direct insurance can be taken out online. direct auto insurance is therefore particularly suitable for drivers who have to less emphasis on personal meetings with your advisor you want to take care of your contractual matters from the comfort of your own home.