"when i searched the internet for cheap car insurance, i was shocked to find out how much i would have to pay as a novice driver. But then my FG advisor picked out a great offer for me that was really favorable. I would never have found this on my own!"
"my old car insurance company wouldn’t pay after my accident because i was insured in the completely wrong way. I’m glad that my FG expert has now found a policy that really suits me!"
"Our FG advisor advised us to change our motor vehicle liability insurance with our first and second car. And it really pays off: we save 600 euros a year – while maintaining the same good insurance cover."
Why you can only find the best car insurance with personal advice
Hardly anything is changed as often as car insurance. Insurers lure with favorable and ever more favorable rates for legally required car insurance. Consumers are poking around in the fog when it comes to getting an overview and comparison of individual car rates.
In the online comparison, you can no longer see the forest for the trees. The key data to be compared for a really suitable offer are simply too varied. In the end, you’re not smarter, just more confused. And the danger here is that the only comparison that always works is that of price.
The new type classes – what will change for you?
The GDV (general association of the german insurance industry) has published the new type classes. For 5.7 million vehicle owners, this also means higher premiums for car insurance. One in seven drivers is affected.
New type classes
New type classes: what does that mean??
In the type classes, insurers assess the damage risk of a car model based on the accident and damage record of the past three years. A higher type class also means higher insurance premiums for a car.
In addition to drivers of popular newcomer models, owners of high-performance luxury models and suvs will have to dig deeper into their pockets in the future. At least 13% of car owners are lucky, their type class improves compared to the previous year.
Special right of termination
special right of cancellation and change of insurance
If your car insurance becomes more expensive due to a less favorable type class, you have a special right of cancellation. So if you are now in a worse category, you can offset the higher costs by switching to a cheaper car insurance policy. We recommend that you compare rates with us – you can save money by changing your insurance policy!
Cheaper car insurance
Switch to a cheaper car insurance policy now
The end of the year is approaching and with it the opportunity to opt for a cheaper car insurance. Most car insurance policies can be canceled up to four weeks before the end of the year. Deadline is 30. November, until then the cancellation must be received by your insurance company. If the insurance becomes more expensive for you due to the new type classes, you have a special right of termination.
Cancel at any time when changing vehicles
Attention: a special right of termination also applies to a change of vehicle! You will receive a pro-rata refund of premiums already paid for the deregistered vehicle.
Favorable offers at the turn of the year
Favorable rate offers at the turn of the year
Especially at the end of the year, many insurance companies offer particularly favorable rates. There are a number of portals on the internet where you can compare rates. But not all comparison portals list all insurances – and many of the attractive offers for changing insurances cannot be found there. So it is better to ask us to find the cheapest and best insurance – we will help you to save your money!
Is a cheap car insurance automatically the right insurance for your car or motorcycle??
Expensive protection is not automatically better protection, and lower premiums do not necessarily mean worse conditions. But unfortunately, it is often the case that you have saved money in the wrong place and end up looking foolish in the event of a claim. Because "cheap" is often the opposite of "good". If you only look at the premium when you take out an insurance policy, you run the risk of not covering your risks adequately.
How car owners can separate the wheat from the chaff? How to find the cheap, but good and suitable insurance for your car?
Optimal car insurance thanks to individual advice
That’s why you should rely on individual advice when changing your car insurance:
- online portals make it easy to compare prices only.
- With personal expert advice, both experienced car owners and young drivers can take full advantage of their savings potentials.
- If you only pay attention to the premium when taking out motor vehicle liability insurance, or if you save money in the wrong place out of ignorance, you will end up looking foolish in the event of a claim.
- In the case of fully and partially comprehensive insurance, it is particularly difficult for laypersons to make comparisons, as the providers are not bound by any contract.
Good advice is the best savings tip
The advice you get should be as individual as you and your wishes for the perfect insurance for your car. The best way to save money on car or motorcycle insurance is to get advice from someone who knows the insurance market and is as familiar with no-claims classes, passenger accident protection, mobility services, liability and comprehensive insurance as you are with your own home.
With personal advice, both experienced car owners who are looking for a second car insurance policy, for example, and young drivers can take full advantage of their savings potentials.
New drivers in particular are often forced to insure their car more expensively because of the higher accident risk and a lower no-claims class. A trained advisor can help you avoid spending money unnecessarily.
Third-party liability, partially comprehensive, fully comprehensive – what must, what can, what should?
Liability insurance has a name: it is compulsory and covers claims for damages against other road users. These conditions are regulated by law, but as is often the case, the devil lies in the details, and this can have a major (and undesirable) effect in the event of a claim.
Liability insurance covers you if a driver is at fault for an accident and causes damage to others. Here, the high coverage amount is an important criterion, because if the damage exceeds the insured amount, the person who caused the accident is personally liable. This can be expensive if, for example, a life-long pension has to be paid in the event of personal injury. Here you should not skimp and increase up to the maximum amount, because the difference in the premium is ultimately not very large.
If you often travel abroad with a rental car, you should check in which other countries the insurance is also valid and whether the so-called "mallorca policy" is included as an extension, which takes effect if you cause an accident with a rental car abroad.
Fully comprehensive, partially comprehensive – who pays what and when is which insurance worthwhile??
It gets even more complicated with fully or partially comprehensive insurance. It is not subject to any statutory regulations, and all providers are free of contractual obligations. In practice, this means that anyone wishing to make comparisons would have to read every last bit of the contract – and then understand it.
partial or fully comprehensive insurance, what do i actually need??
If you want to insure a new car as completely as possible? Or continue to drive an older model until the repair costs exceed the value of the car? Or are you interested in insuring the second car, which is parked in the garage more than it is driven anyway??
In general, you can assume that the partial casco covers the costs for the following damages:
- After a fire
- After a theft or burglary in the car
- Glass damage
- Damage caused by natural forces
- damage caused by accidents with (wild) animals
In the case of fully comprehensive insurance, this is supplemented by cover for damage caused wilfully and maliciously by unknown persons or by the insured’s own culpable conduct. In contrast to partially comprehensive insurance, fully comprehensive insurance also covers the other party in the event of a hit-and-run accident.
But be careful:
In both partial and fully comprehensive insurance, clauses always exclude certain cases. The devil is in the details when it comes to the question of whether the car insurance company will ultimately pay out.