Huk24 car insurance calculator

Kathrin gotthold has a degree in law. She completed her traineeship as a business editor in frankfurt am main and then spent six years at a major daily and weekly newspaper in berlin, where she was responsible for consumer finance. She also gained experience at the magazines "betriebs-berater" and "der steuerberater". In the finanztip editorial department, she is primarily concerned with insurance issues.

  • our tests and our experience show: huk24 often (but not always) has!) cheap offers for car insurances.
  • But beware: expensive offers from huk24 can be very expensive at the same time.
  • In addition, the comparison is difficult. The direct insurer has withdrawn from the usual comparison portals.
  • Finanztip recommends: first calculate the cheapest car insurance on verivox or check24. Make then the cross-check with the huk24.
  • then decide for the insurance contract that offers the minimum protection recommended by us at the best price.
  • Pay special attention to the difference between basic and classic rates at huk24. We explain this and much more step by step in this guide.

In this guide

our big car insurance comparison shows: if you only rely on comparison portals, you won’t necessarily get the cheapest insurance that fits your needs. In the fall of 2020, we were able to achieve the best results when we combined verivox or check24 with the direct insurer huk24.

How to find the right car insurance from huk24?

the online calculator of huk24 works similar to a comparison portal: with the right settings, you can filter out the appropriate insurance cover at a favorable price – but of course only from the offers of this one insurer. You should therefore have already been to a comparison portal and looked at how much your car insurance may cost this year.

Then it starts: hold your vehicle registration document and in case of a change of insurance also the documents of your previous insurer.

First the huk24 asks you for the vehicle data. Take a look at the fields 2.1 and 2.2 of the vehicle registration certificate (registration certificate part 1). There you will find the manufacturer number (HSN) and the type code number (TSN), which the insurer uses to calculate the premium for the correct model without any doubt. If you don’t know the numbers, you can alternatively search for your car in a selection menu. First you choose the manufacturer, then the model and finally the engine power. The huk24 will then suggest models that fit your needs. If several models are shown and you are unsure, you should ask the seller, dealer or manufacturer again.

Huk24 car insurance calculator

After that you have to fill in a few fields, which are about the registration of your car goes. Here you specify whether you want to change the insurance or register a new car. huk24 will also ask you when you want to buy the car likely to be allowed. This field is prefilled with the current date. change it if necessary – for example to the day you have an appointment at the registration office.

In the same section, you must also specify, in addition to your zip code, whether you have a normal or a seasonal license plate and how you financed your car. With a seasonal license plate you can save, for example, if you own a convertible and drive it only a few months a year.

Have you registered the car with a credit financed or leased, we recommend a fully comprehensive insurance with long new value compensation. huk24 offers a module with which you will be reimbursed for the new value for up to 36 months if your car is totalled. decide if you are willing to pay extra for it.

Huk24 car insurance calculator

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Where you can save most?

After you have entered additional information, such as your date of birth and your occupation, the insurer will ask you how you use your car.

The mileage you should estimate as defensively as possible. Our experience shows that insured persons are often too cautious and declare too many kilometers. It is not a problem to increase the mileage afterwards. Some insurers, however, have problems with lowering the mileage after the fact.

Next you have to indicate if other people drive your car. And that can make car insurance very expensive. Is the driver circle large, so if you also let your children or even any other person drive, the risk of damage is much higher from the insurer’s point of view. The premium is therefore higher. If you are under 25, it will be even more expensive. therefore we recommend: keep the number of drivers as small as possible.

Huk24 car insurance calculator

Do you want your child get driving experience with your car, you can have a look at the module "telematik-plus. the huk24 offers it to you automatically, if you have drivers under 25 years specify. With this you could surcharge for your child again press something, as long as the driving behavior of all drivers is appropriate. You can read more about this option in our guide to telematics.

In the following section, huk24 asks about the no-claims classes. If you take out the insurance for the current year, you enter your SF class current SF class to. If the contract starts in the coming year, you simply add one to your current SF class and enter this value – of course only if you are not downgraded due to a claim.

In the event that you take out an initial contract, the calculator gives you the option of taking over SF classes – for example from a relative.

Huk24 car insurance calculator

What should you consider when choosing a tariff?

Afterwards the huk24-calculator gives you the results from. First you have to decide whether you want only third party liability, also partially comprehensive or fully comprehensive. How you decide here will have a huge impact on your contribution. Liability is usually the cheapest option. However, it also only covers damage you cause to others (cars or people).

If you take a comprehensive insurance, we recommend a deductible of 150 to 300 euros in the partial cover and at least 300 euros in the fully comprehensive insurance.

Basic and classic tariffs of huk24

You can also choose between basic and classic rates. In the basic tariff, you are downgraded more in the event of a claim than in the classic tariff, so you have to pay more in the year after the damage. The services are also somewhat limited – they do not meet our minimum criteria. In the select version of the tariffs you pay 20 percent less premium, because you accept a workshop commitment. This means: in the event of a comprehensive claim, huk24 will choose the repair shop to repair your car.

In the huk24 comprehensive insurance, damage caused by collisions with animals of all kinds is covered as standard. Defects caused by animal bites are also covered, including consequential costs up to 20.000 euro (also marten bites) covered. We recommend this range of benefits for both fully comprehensive and partially comprehensive insurance.

Huk24 car insurance calculator

Under the tariff overview you set the payment method a. With huk24 you can pay quarterly, semi-annually or annually. note that car insurance becomes more expensive when you pay in installments. huk24 does not offer the generally most expensive option, monthly payments.

What there are chargeable additional modules. Among them also the option "kasko plus". It offers, among other things, new value compensation for new and used vehicles for 36 months. Decide for yourself if this extra is worth the money. the modules schutzbrief, driver protection, discount protection, foreign damage protection and accident reporting service can be a useful addition, but they also cost a surcharge. You can read more about the individual components in our guide to car insurance.

at the end you have to indicate the current mileage of your car, your personal data and the method of payment. Before you can submit the application, you need to download the summary and contract documents. Read the documents carefully before clicking on "apply for premium" and submitting the application.

Why we include huk24 explicitly

In the past few years, we have regularly compared the rates of the direct insurer huk24 in our large car insurance comparison. There is a reason for this: this low-cost insurer has a high market share, but is not available on the usual comparison portals. you can’t compare or buy it through any of the portals.

But beware: huk24 did not offer the lowest price for all our sample profiles. In our research, huk24’s outliers were higher than those of the portals we studied. We therefore recommend that you always also – beforehand – check with verivox or check24.

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