In 2020, the streets were comparatively quiet in the face of the corona pandemic. This is how there were fewer claims for which car insurance companies would have to pay out. Industry leaders such as HUK-coburg and allianz have therefore offered their customers the prospect of premium refunds. The Wurttembergische is not currently planning to do this.
The prices for the motor insurance of the Wurttembergische are above average. For all three sample cases calculated by the analysis company franke und bornberg, there are more favorable alternatives from the competition. For example, a 60-year-old mercedes C-class driver pays 1.176 euro. That’s 350 euros more per year than the test winner HUK-coburg.
| newcomers with fiat | 1.003 | 1.103 | 1.558 |
| seniors with mercedes | 523 | 683 | 1.176 |
| family with golf | 267 | 358 | 541 |
| Family with electric car | 196 | 302 | 493 |
source: franke und bornberg analysis company
Lower insurance premiums with additional contracts
One or two tricks can save you money on premiums. The company from stuttgart favors policyholders who have other contracts in addition to their car. For example, if you have your liability and legal protection insurance taken out with the Wurttembergische, you receive a five-percent discount. Another five percent if you are a customer of the partner bank wustenrot.
This is how it was tested
Because the amount of the insurance premium depends on numerous factors, the test is based on four sample customers. The entry-level group includes novice drivers with little experience at the wheel. The counterpart for seniors who drive a C-class Mercedes. A married couple – 35 years old with two children – is split into two groups depending on whether they drive an internal combustion engine or an electric car.
The amount of the insurance premium also depends on the type of car, the accident-free years of the vehicle owner and regional aspects. For example, a young age of the vehicle owner, many kilometers traveled and a large group of drivers have a negative effect.
car insurance: rate calculator
Various options for novice drivers
Young drivers under 30 have to budget a four-digit sum for liability insurance alone. However, the stuttgarter offers them a 40 percent discount if they take out two other private insurance policies with the wurttembergische and use the telematics app.
Through this car-linked application, the provider receives a lot of information about the insured’s driving style. If you drive and brake with foresight, the premium will drop. If, for example, you drive on busy roads and steer erratically, your premiums will rise.
By the way: the telematics app even registers whether drivers use their smartphone while on the road and negatively factors this data into the score.
Questionable chase for the high score
The game factor that the Wurttembergische promotes with the app seems somewhat inappropriate. Best lists, which enable insured persons to compare themselves with others and also with friends, are intended to motivate them to drive safely. The Wurttembergische claims that the use of data is unproblematic. It does not retrieve any personal data; only the driving score calculated for each route can be viewed by both parties.
Novice drivers whose parents are insured with the Wurttembergische can do without the telematics app. They can expect a discount of at least 25 percent. Even before drivers take out their first car insurance policy, the family driver policy for 299 euros a year is an interesting option. It allows young drivers to use any car owned by a third-degree relative at their own expense and build up their own no-claims class.
20 percent discount for electromobility
Those who drive an electric car can save money with the Wurttembergische. It grants a 10 percent discount for hybrid cars. In the case of all-electric vehicles, the figure is as high as 20 percent. This means that the insurance is slightly above the market average.
Compact and premium rate
In addition to the premium variant examined in the test, the Wurttembergische offers a compact tariff that can be an alternative in terms of price. The slimmed-down second service package is available at a lower price. It is not clear by how much the pricing will decrease. The internet page of the Wurttembergische does not show any amounts.
The benefits package includes the extended sum insured and a mallorca policy that protects insureds on vacation when driving a rental car. A new price indemnity of up to twelve months and protection in the event of gross negligence, marten bites and collisions with a small selection of animals are also included. Because these benefits represent a basic framework for almost every car insurance policy, the compact tariff should rather be regarded as minimum protection.
Claims service plus with first-class service
The premium tariff, which received the second-best rating FFF from franke und bornberg in the area of insurance benefits, is anything but minimal. Particularly noteworthy: the claims service plus module, for which the Wurttembergische grants a 13 percent discount on the total premium when it is taken out.
If damage occurs, the car is picked up and taken to a partner workshop for repair. The customer is provided with a replacement car for this purpose. After repair, the vehicles are exchanged again. The customer-friendly service also includes a six-year warranty, which is granted by the Wurttembergische on all repairs. As an extra, the four-wheeler is given a cleaning inside and out.
Additional features that go beyond the compact package: animal collisions of all kinds are covered, as are animal bites up to a damage limit of 10 percent.000 euros. If you have to register a new car after a total loss, the Wurttembergische will pay the registration and transfer costs. Protection against hacker attacks is also included.
By the way: in addition, insureds can take out discount or driver protection. An optional cover letter promises fast and free help in the event of breakdowns or accidents.
A wide range of options for purchase price compensation
The compact package includes purchase price compensation for twelve months. The premium tariff offers 24 months of coverage, which can even be extended to 48 months if desired. The insurance also offers an additional module for leased vehicles. If damage occurs within the agreed period, insured persons receive compensation for the value of the vehicle from the Wurttembergische on the basis of a fixed scale table.
Prices only on request
However, there is one hurdle: Anyone who wants to know what such extra services cost is left at a loss on the Wurttembergische website. Instead, interested parties must first request an offer, which will be sent to them by mail or which they can inspect with an advisor at the nearest branch office. So the offer for a new car insurance policy turns into a miracle bag that only reveals concrete figures and facts after a few days of waiting.
Customers who want fast and clear contract processing via the Internet are in the wrong place with the Wurttembergische. This is – even more so in times of a pandemic – weak.
Frequently asked questions about vehicle insurance:
If you want to register a car in germany, you must take out liability insurance. It pays for damage caused by your car to other people, their property and assets. Damage to your own vehicle caused by hail, floods or collisions with wildlife, for example, is covered by comprehensive insurance. If you want to protect yourself against damage caused by your own fault or by vandalism, you need fully comprehensive insurance.
The protection applies not only to the policyholder but also to the holder of the car, the owner, driver and sometimes even the passenger. It depends on the conditions of the insurance contract. If several drivers are registered, the premium increases as a result.
Anyone who wants to register or re-register their car must present the seven-digit evb number at the registration office. it is issued by the insurance company and serves in germany as a proof of motor vehicle liability insurance.