When a bargain policy costs you dearly: our tips for car owners.
When a bargain policy comes at a high price: our tips for car owners.
This article in brief
- Autumn is the season for changing car insurance policies
- If you are only looking for bargains in car insurance, you can make a big and costly mistake
- Insurance coverage is more important than the premium: be sure to check the scope of benefits
- A personal consultation provides orientation and helps you find an individual solution according to your own goals and wishes
I will help you find the optimal motor vehicle protection that meets your requirements.
We help you find the best vehicle protection to meet your needs.
Autumn is the season for changing car insurance policies. As every year, the battle for the attention of car owners is in full swing in november: insurers and comparison portals outbid each other with advertising on the internet and in the media. Prices are being "shuffled" with the aim of winning over one or two customers. You can save a lot, according to the advertising promises. But there are many things that can go wrong when looking for the best car insurance rate.
Here are our tips for car owners.
1. If you buy cheap, you buy twice
The bargain is often only cheap until a claim occurs. The consequences can be costly for the car owner. A new tariff at an even lower price quickly turns out to be less efficient when it comes down to it. therefore: more important than the premium is the insurance coverage. Before switching, you should carefully examine the conditions. Cheap is not automatically good.
2. All that glitters is not gold
the internet and comparison portals are often the first port of call for bargain hunters. If you search on your own and use a comparison as a basis for decision-making, you shouldn’t automatically go for the cheapest premium. A look at the "small print" can be worthwhile. comparison portals also pursue financial interests and, as brokers, receive commission for new customers. What’s more, no comparison portal lists all providers.
3. Keep an eye on your no-claims bonus class
The premium for car insurance is based on the respective damage-free class (SF class) – i.e. on how many years of accident-free driving you have had. After a calendar year without an accident, you automatically reach a better level. After an accident, on the other hand, there is a downgrade. If you have discount protection, you can avoid having to pay higher premiums after an accident for which you are responsible.
if you change your car insurance, make sure that it is not lost in any way during the change process. Downgrading to a lower no-claims class is often associated with significantly higher premiums, especially for very low-cost policies. There are providers who take over the no-claims bonus of the previous insurer, including existing special classifications – no ifs, ands or buts.
4. Protection against all animals
In the event of a collision with an animal, the partial casco insurance only pays for accidents caused by the collision with furred game. Anyone who collides with domestic or farm animals such as dogs, cats, cows or even horses is left empty-handed – although the consequences can also be very expensive. That’s why drivers should be insured against collisions with as many animals as possible. In addition, protection against maggot bites, including consequential damage to cables and hoses, is worthwhile.
5. Be careful with new cars
For new cars, it is important to pay attention to how long the insurer will replace the new value. Although purchase price compensation is standard in many comprehensive insurance policies, it is often only valid for six months. After that, the owner only receives compensation for damages in the amount of the replacement value.
With aachenmunchener, z. B. In the event of a total loss or theft, the full new price is reimbursed up to 24 months after the purchase of a brand-new car. Even when buying a used car up to 48 months old, the purchase price of the vehicle is reimbursed in this case. High-quality special car equipment is no problem either. These can be insured under certain conditions without limitation.
6. Objection of gross negligence
People make mistakes. Nevertheless, some cheap tariffs reserve the right to drastically reduce benefits in the event of gross negligence, e.g. in the event of an accident. B. If someone misses a stop sign or runs a red light and causes a serious accident. In the comprehensive insurance area, the insurer should waive the so-called objection of gross negligence. If you want legal certainty, look out for this waiver clause. It costs more in premiums, but saves a lot of hassle and money in the event of an emergency.
7. Securing a Majorca policy
Important for all those who travel a lot: the selected liability coverage should also apply to a rental car abroad. In the event of a serious incident, the sums insured, which are often drastically lower in a foreign country, are not sufficient to meet claims for damages. Higher costs must then be borne by the customer. The often lower coverage amounts for rental cars abroad in the liability insurance can then quickly lead to financial ruin. This gap can be closed for a few euros extra per year with the so-called mallorca policy. Despite its name, it is not only valid on the spanish island.
8. Take advantage of savings
There are providers on the market that offer customers tangible price advantages under certain conditions, e.g. B. Through a customer bonus, accident bonus and special classifications. The exclusive premium benefits can offer additional savings opportunities, for entire families and also young novice drivers.
9. Prefer personal consultation
It’s not immediately obvious what pitfalls can be associated with insurance products, especially if the customer isn’t aware of them or doesn’t understand them. This is just one of the reasons why in the end – even in the so price-sensitive car insurance – the help of an advisor is crucial, who explains the product and shows different variants with different prices. Mostly with the result that the customer chooses a quality product in the end.