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the most important facts about car insurance
High savings potential and great choice
every motorist needs car insurance. Depending on the vehicle to be insured and the personal circumstances of the policyholder, the tariff conditions as well as the amount of the premiums differ. the range of insurers and rates is correspondingly large. At wechselpiraten, you can quickly and conveniently compare more than 340 car insurance policies, where you can save up to 850 €.
Compare car insurance rates regularly
similar to the electricity comparison, you will save permanently if you compare car insurance rates regularly. change your car insurance every year, always secure the car insurance that suits your personal situation with the best conditions and lowest premiums. It is also possible to terminate the contract with the current insurer and take out a cheaper rate as a new customer.
Take out online and get evb number
in order to obtain registration for the vehicle from the appropriate authority, the electronic insurance confirmation (evb) is indispensable. Policyholders prove to the registration office with the evb that they have taken out motor vehicle liability insurance with an insurance company. After signing a contract via wechselpiraten, you will receive your new evb number directly online for registration.
Compare car insurance: this is how it works
A car insurance comparison is for every motorist a must. In order to operate a car or other vehicle on public roads, drivers need car insurance. This involves compulsory insurance, why the absence of these also constitutes a criminal offense.
There is a good reason for this: if you are unable to meet the claims of third parties that are rightly made as a result of damage caused by your own fault, you know that your insurance company is financially responsible for the damage. That takes over the costs per by tariff partial or complete and frees the causer from the biggest financial problems.
the volume of premiums and benefits for motor vehicle insurance in germany is gigantic and has been increasing annually since 2009. In 2018, for example, insurance companies paid out just under €23.9 bn. € in benefits, while it pays out approximately 27.9 bn. € in the form of contributions. With a car insurance comparison at wechselpiraten you will find the cheapest car insurance!
3 steps to a new car insurance policy
Cancel old insurance
Switch to the new provider
1. What motor vehicle liability insurance is for?
first of all: as the name suggests, car insurance is compulsory insurance. The motor vehicle liability insurance covers both personal injury and property damage. Damages of the causer are excluded.
Differentiation is made here in great detail in different conditions and premiums for different benefits. However, all authorized motor insurance companies must comply with the applicable legal provisions.
So-called damage coverage minimum amounts for passenger transport with and without trailer:
- 7.5 mio. € for personal injury
- 1.12 m. € for property damage
- 0.05 m. € for property damage
2. How to find the cheapest car insurance rate?
The car insurance comparison at wechselpiraten is very easy. After you have named your license plate number in the first step, you then provide information in the following areas:
- Vehicle
- Driver
- Protection
- discounts
Among other things, you indicate whether you insure a new car or your vehicle-want to change insurance, discounts are possible for you and to what extent you want to insure yourself. You can choose between motor liability insurance and the two voluntary insurance options, partial and fully comprehensive insurance.
This information is important so that the car calculator can show you the most favorable car insurance policies. After the car insurance comparison, you decide on a tariff and can conclude it directly online – including evb number.
3. What is the difference between motor vehicle liability, partially comprehensive and fully comprehensive insurance??
There is no way around motor vehicle liability insurance. It is the central element of your motor insurance comparison and – as its name suggests – it covers compulsory for every motorist. This makes it fundamentally different from a comprehensive insurance, which you can also include in the insurance comparison depending on your needs.
With a partially comprehensive insurance extend your motor vehicle liability voluntarily. Damage to your own car caused by external factors such as marten and game damage, hail, storm or fire is covered. The fully comprehensive insurance represents an additional extension with which you are even insured against damage to your own vehicle caused by yourself.
Partial cover insurance
- Damage due to storm, hail, flood, lightning strike
- Damage caused by fire or explosion
- Theft of the car or vehicle parts
- Damage due to fire
- Collisions with wild animals
- glass breakage
Comprehensive insurance
- Collision damage due to own fault
- Damage with hit and run of the culprit
- Insolvent or uninsured third parties
- vandalism
- animal damage not covered by partial casco
4.Which documents do i need for the car insurance comparison??
In order to find the right tariff for you as a policyholder and your vehicle, some information and documents are necessary. in addition to personal information and individual wishes regarding your insurance coverage, the car insurance calculator needs certain data about your vehicle or your existing liability and, if applicable, comprehensive insurance:
- Previous evb
- No-claims bonus class (SF class)
- Type code number (TSN)
- manufacturer key number (HSN)
You can easily find this information in the documents of your previous insurance as well as in the registration certificate part 1 and 2. The 4-digit HSN can be found in the vehicle registration certificate under 2.1, while you enter the TSN 2 consisting of 8 digits.2 in the registration certificate. Keep the data handy to find the cheapest car tariff even faster.
5. What else influences the amount of my car insurance premiums??
the calculation of premiums is extremely extensive, especially in the case of motor vehicle insurance. The desired scope of insurance is a part. In addition to the known no-claims bonus, it is also necessary to clarify who else drives the vehicle to be insured and how often, where it is parked and how long you have been driving accident-free.
The type class
for about 30.000 vehicle models that can be registered in germany, so-called type classes have been defined. These type classes indicate how many claims or. Accidents a car type had. Only reported claims, i.e. claims processed by a car insurance company, are counted. The insurance premium increases proportionally with the number of such accidents.
The classifications, which differ again for motor vehicle liability, partially comprehensive and fully comprehensive insurance, are determined by the GDV type class index.
The regional class
The Federal Republic of Germany has a total of 413 registration districts for motor vehicles (as of 2019). These are in sog. Regional classes divided. All the claims reported by motor vehicle policyholders in a particular district play a decisive role here. There are different classes for motor vehicle liability, partial and fully comprehensive insurance, as different criteria are important, as mentioned above. the regional statistics are compiled once a year and take into account the claims of the last five years. Regional classes, like type classes, are important for calculating rates, but they are not binding.
No-claims class and no-claims bonus
The no-claims class (colloquially also known as SF class) or. No-claims bonus has a major impact on the annual amount. In other words: the longer you pay in years drive accident-free, the higher get in your personal SF class at. As a result, your annual car insurance premium is reduced. The SF discount does not apply to partially comprehensive insurance because the damage covered there often cannot be influenced by good driving behavior. Z.B. Due to force majeure such as storm damage.
If you suffer damage to your own vehicle, which is covered by a fully comprehensive insurance, a so-called downgrading of the SF class only occurs within the fully comprehensive insurance. A motor vehicle liability then remains unaffected. It is essential to compare rates in order to take into account the very different ways in which SF classes are handled by the individual car insurance providers.
novice driver often pay very high car insurance premiums. We recommend here, depending on the possibility, that the car in question be insured for insuring a second car through your parents to have. In this case, the young driver cannot accumulate any years of no-claims bonus. You can quickly save more than half of the insurance premiums.
For seasonal license plates, the following applies: for an upgrade after a claim-free year, the comprehensive and vehicle liability insurance must be valid for at least 6 months.
6. What should i consider when choosing car insurance??
Price and scope of benefits differ considerably in some cases. When comparing vehicle insurance, pay particular attention to the following:
- Full or partial casco
- Additional insurance cover
- Deductible
- Workshop commitment
- Coverage amount
Property damage should be covered up to 100 million. Euro be covered, personal injury up to 15 mio. €. The legally prescribed minimum sums (property damage: 1.12 mio. €, personal injury: 7.5 million. €), it is therefore necessary to significantly exceed. deductibles in the event of a claim, lower your premium. For the fully comprehensive insurance are 300 € recommended for partial casco 150 €.
Savings are also possible if you agree to be bound to a repair shop. You then have repairs carried out by a partner workshop of the insurer, but this could also result in disadvantages on the part of the manufacturer – for example, in the form of omitted services due to goodwill
7. Well insured according to stiftung warentest recommendations
In order to find both a low-cost and high-performance car insurance rate when comparing prices, you should follow the recommendations of stiftung warentest and choose rates with the following benefits:
- Cost coverage for accidents with animals on your own vehicle
- No objection in the event of gross negligence
- Mallorca policy
- Higher coverage of at least 100 million euros
For an increase in your insurance premium, providers will also pay for damage caused by gross negligence – excluding driving under the influence of alcohol or drugs and car theft. Otherwise, you will pay a lower premium, but you will have to expect high costs in the event of a claim.
the mallorca policy is usually available at no extra charge, as is an increased amount of coverage. It covers rental cars in other european countries with higher insurance protection. This became necessary because car insurance companies in other countries often offer significantly lower coverage than is usual in Germany.
8. Covered in the event of an emergency with the car insurance policy
In a serious case, a car insurance in the event of breakdowns and accidents the costs for z.B. Car transport, shipment of spare parts, rental car and overnight accommodation costs. This type of cover is often automatically included in the vehicle liability insurance policy. make sure to check this beforehand.
Especially for frequent driver it is worthwhile to have such a car insurance policy. In Germany, but also in other european countries, it includes services such as medical repatriation or the dispatch of spare parts. Additional protection through membership in a traffic club such as the ADAC can also protect you sufficiently and for little extra cost.
9. When can I change my car insurance??
Motorists know: key date for the change of the car insurance is the 30. November. The car insurance with a 4-week cancellation period at the end of the contract usually runs parallel to the calendar year. The 4-week notice period also applies to special right of termination, for example, because of a premium increase or in the event of a claim.
However, you can then also cancel your car insurance before the contract expires. The Cancellation itself is problem-free. Terminate the contract in writing by fax, letter or, if possible, by e-mail. Remember that notice must be given by the 30. November must be received by your insurance company. therefore, compare your car insurance in time to insure your car as cheaply as possible.
10. What do I do in the event of a claim?
If an accident has occurred, the following sequence applies: first secure the scene of the accident. If you are injured, provide first aid and call the police and rescue services as soon as possible.
In the case of minor damage, it is usually not necessary to call the police to record the accident. The insurer may settle small claims on the basis of their own evidence, e.g.B. Evidence photos, unwind. Vehicle insurers and the insurance company of the other party involved in the accident must be notified promptly.
change pirate tips
for the role of the person who caused the damage, any settlement by the person who caused the damage means a downgrade in your SF class. Please check in advance whether an independent claim settlement without an insurer is not more favorable for you in the long run. Without a claim report and another claim-free year, you can even move up a level at the same time.
Generally document all necessary damage events, ideally with photos. An exchange of contact details with the other party to the accident is also strongly recommended.
Save immediately: 4 tips for a cheaper rate
Vehicle owner
often there is a single driver discount if only the policy holder drives the car himself.
If a vehicle is to be registered for a novice driver, this can be really expensive. Here it is worthwhile to specify an experienced driver as the policyholder. For young adults, a parent often comes into consideration. The inexperienced novice driver can thus be insured as an additional second driver much cheaper.
Parking space
the more unprotected the car is parked during the year, the more expensive the insurance premium will be. Especially bad weather or other road users can pose a much higher risk for a claim. Renting a (garage) parking space can not only have a positive effect on the preservation of your car, but can also result in a substantial discount on your insurance.
Workshop commitment
Having to be tied to certain garages can be annoying. In the best case, however, this can result in a saving of up to 15%.
Driver safety training
only very few people think about it, with a safety training, z.B. At ADAC, to be able to lower your motor insurance premium in the long term. With a proof this is very worthwhile especially for driving beginners.
points
do you have points in flensburg? If so, these can be an increased risk with some insurers, resulting in higher premiums.
Payment
if possible, pay your car insurance amount annually, i.e. in one lump sum. Many providers reward this with generous discounts in some cases.
Frequently asked questions about car insurance
Is the car insurance comparison free of charge??
If you compare over 340 car insurance rates at wechselpiraten, this is free of charge in any case. Our comparative calculator is TuV-approved and can be fed with data as often as you wish. The car insurance comparison is also non-binding, as you can only create legally binding facts by concluding a contract with your new car insurer. Neither the use of our car calculator nor the actual transfer is associated with any costs on our part.
What is the cheapest car insurance??
The cheapest insurance is not the best. Weigh up for yourself which services you need. An annual comparison and change already saves a considerable premium amount.
Are there also car insurance with discount?
When you take out insurance for your car, you can benefit from attractive discounts. The most important of these is the no-claims bonus, which allows you to save more with each accident-free insurance year. These discounts also minimize your
insurance premium:
✅ single driver discount
✅ garage discount
✅ second driver discount
✅ occupational group discount
If you share the costs in the event of a claim and commit to a partner garage of your car insurer, you can also save money. But you should never use these discounts just for the sake of saving money. Instead, think carefully about whether the risk and return are in balance.
Can I take over another person’s no-claims class??
In principle, this is possible. However, certain conditions must be met. As a rule, you and the person who wants to transfer your no-claims class to you must have a first-degree family relationship or a domestic partnership.
claim-free years can only be transferred in the amount that they could have experienced themselves since obtaining the driver’s license.
Why do i need a seasonal license plate?
Such a seasonal license plate always defines an exact period within a year. Do you want your car z.B. Do not drive in the winter time, such a license plate is ideal. Because this means you also save a proportion of the costs for car insurance and car tax.
If a so-called discount protection makes sense?
If your car insurance company pays for a liability or fully comprehensive claim, it will downgrade the insured person by several no-claims classes (sF classes) in the following year in accordance with the claim. The premium will be significantly higher in subsequent years.
With discount protection, you protect yourself from a worse rating with your insurance company in the event of a claim. With this option, you have at least one claim free per calendar year. However, this protection is not exactly cheap.
Use the protection tends to a smaller SF class and if you smaller, more frequent accidents can not be excluded.
When do I have a special right of termination??
There is a four-week special right of termination:
– premium increase with the same benefits
– claims settlement by insurers
– sale, change and deregistration of the vehicle
Why does a car insurance comparison require more questions than other comparisons??
Compared to the electricity calculator, for example, more information is required for the car insurance comparison. Accordingly, the number of questions is also higher. However, this is necessary because many factors influence the insurance premium. The more information our comparison calculator learns about the policyholder, his vehicle and the desired tariff conditions with or without discounts, the more suitable the results list and the more rewarding the car insurance comparison will be.