Car insurance in comparison with premium calculator

Car insurance Car insurance

The motor vehicle liability insurance is a compulsory insurance in germany. It pays for damage caused to third parties by your vehicle.

The insured sums are at least 7.5 million euros for personal injury, 1.12 million euros for property damage and 50 million euros for property damage.000 euro. A fully comprehensive or. Partial comprehensive insurance covers damage to your vehicle.

Car insurance premiums and their factors

the best known factors are the no-claims bonus class, the vehicle type and the registration district. Additional tariff features allow you to determine car insurance save money. Different risks and discounts can make car insurance significantly cheaper. Is the vehicle parked in a lockable garage?? Do you have residential property? Drive less than 10.000 km? pay your car insurance premiums annually? As a car owner you may need. Benefit from soft tariff features and use cheaper car insurance. A comparison is often worthwhile.

How do I get an EVB number (registration confirmation)??

please apply online for a car insurance policy. In the following you will receive a EVB number (insurance confirmation) to register your vehicle. Or simply use the form "EVB-anfordern" under the menu item service.

Calculate premium!

Calculate your individual tariff in a few steps

premium calculator comparison car insurance

fully comprehensive or partially comprehensive? What makes sense for car insurance??

If you also want to cover damage to your own car, you need fully comprehensive or partially comprehensive insurance. Partial cover includes damage caused by fire, theft or hail. Glass damage and wildlife accidents are also covered by partial casco insurance. Fully comprehensive insurance also covers self-inflicted accidents and damage to your own car as well as vandalism

It should also be noted that there is a SF discount for fully comprehensive insurance (VK). The teilkasko does not have that, you are always at 100%. If you have been driving accident-free for a long time, the SF discount may mean that the premium is about the same as for partial casco alone.

Whether liability insurance is sufficient or whether you should also take out comprehensive insurance depends on the age and value of the car. Fully comprehensive insurance is usually only worthwhile for relatively new vehicles. If the car is not older than 18 months, the fully comprehensive insurance usually reimburses the replacement value of the car in the event of a total loss, i.e. at least the purchase price is reimbursed. partial coverage insurance is cheaper and pays off longer, experts say up to eight years. Later, the reimbursement amounts are so low that comprehensive insurance is no longer worthwhile.

How and when can I change my car insurance??

  • To the contract expiry as a rule, the 30.11. Termination date
  • When buying a new car
  • If your current insurance company changes the terms of the contract or increases the premium.

Inquiry about your regional class

the regional class reflects the damage and accident record of a region. It depends on one of many tariff features. The companies take these into account when calculating the insurance premium. The regional class is influenced in the motor vehicle liability by the driving behavior of the car driver in a registration district. In the comprehensive insurance, local characteristics such as theft frequency, storm and hail damage and the number of wildlife accidents are taken into account

Why do I need motor vehicle liability insurance and comprehensive insurance??

Motor vehicle liability: for damage you cause to others with your car
motor vehicle liability insurance as compulsory insurance protects you against claims for damages under civil law if you cause damage to others with your vehicle.

Comprehensive insurance: for damage to your vehicle
the comprehensive insurance compensates you for damages caused by the damage, destruction or loss of your own vehicle. Certain parts are also insured if they are installed in the vehicle. Property carried by the vehicle is not covered by comprehensive insurance.

Driver protection
in the event of a self-inflicted accident, personal injuries to the driver are not insured. The driver protection closes this insurance gap.

International cover
the sums insured in other countries are often insufficient to compensate for the damage caused in the event of accidents for which you are not responsible. The foreign protection secures a compensation according to german law.

GAP coverage also for credit-financed cars
in the event of theft or total loss of a leased or credit-financed car, it often happens that the residual claim exceeds the replacement value, which is reimbursed by the comprehensive insurance policy. GAP coverage takes over this risk from the financing/leasing contract.

A car accident, what to do?

With the european accident report and the green insurance card, if you have an accident abroad, you can easily record the course of the accident and the damage to the car even across language barriers. The accident report is available in eleven languages: english, french, italian, dutch, polish, portuguese, spanish, czech, turkish, hungarian and russian. You can request the european accident report from your car insurance company.

examination by an expert

An uninformed injured party cannot be expected to name the repair costs of his vehicle himself. He may call in an expert to estimate the damage. However, this should be discussed with the liability insurer. These sometimes have their own loss adjusters.

Your car has been stolen – what to do?

If your vehicle is stolen, the theft will be compensated by the partial motor insurance. For the insurance it makes no difference how a car was broken into. If you have fully comprehensive insurance for your car, you won’t be left empty-handed either. Partially comprehensive insurance is included in fully comprehensive insurance.

If the car has not been stolen, but a permanently installed navigation system or other parts permanently connected to the car have been stolen, this damage is also covered by partial casco insurance. Accessories that are used exclusively for the purpose of the vehicle are covered. This includes a child seat. Mobile navigation systems, smartphones, laptops or other valuable items that are not permanently installed in the car are not covered by partial cover insurance.

What does your vehicle insurance cover if the car is stolen??

Motorists should provide their car insurance company with the following information:

  • Proof of report to the police
  • All vehicle keys and vehicle documents
  • deregistration certificate from the registration office
  • Written notification of damage by the customer
  • Information on the value of the vehicle

If parts that are permanently connected to your car are missing or missing, you can. If the car has been removed so that no traces are visible (damage to the dashboard), it depends on the circumstances of the individual case. It is essential to file a criminal complaint with the police.

Have you ever dropped your cell phone out of your pocket and damaged it while getting out of the car?? Have a look at the benefits of cell phone insurance

Pay monthly or annual insurance premiums?

Conclusion: if it is possible, should be switched to annual payment, it is worth it!

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Christina Cherry
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