Auto Loan

General information

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Type of loan Loan
Credit for:
  • Individuals
Advantage
  • Up to € 60,000
  • No study commission
  • The 2nd year interest is reduced for customers who meet two extra conditions (see below)
  • Free assistance pack:
    • ITV pick-up service
    • Chauffeur service if you can not drive
    • Technical office of the automobile
    • Sustitution vehicle
    • Duplicate of keys in case of theft or loss
    • Management of traffic sanctions
Maximum amount € 60,000
Minimum term 12 months
Deadline 8 years
Accepts ASNEF or similar  
Purpose
  • Car loan

Costs and commissions

Resulta ng larawan para sa auto loan

Nominal Interest Rate (TIN) 8.25%
TAE Comment

APR calculated for a loan of € 10,000 to be repaid in 8 years complying with the terms of attachment.

TIN comment

Interest of 7.25% from the second year if additional conditions of association are met.

Annual Equivalent Rate (APR) 8.94%
Opening commission 1.25% with a minimum of € 60.00
Study commission Free
Commission for early amortization 1.00%

Requirements

Resulta ng larawan para sa auto loan

Requires guarantee No warranty
Minimum age 18 years
No. of connections 1
Additional information (requirements)
  • Domicile the payroll or make an income for a minimum amount of 1 installment
  • Hire life insurance

The Auto Loan db is a product designed to finance the purchase of a car. With this loan we can get up to € 60,000 to return in a maximum of 8 years. In addition, an advantageous Assistance Pack with ITV pick-up service, chauffeur service in case of not being able to drive by accident, etc. is delivered with the loan.

Regarding the price, the Autodb Loan has an interest rate of 8.25% TIN (8.94% APR) and an opening fee of 1.25% (minimum of 60 €), but from the second year the entity It rewards the interest rate by 0.5% if we take out a life insurance and direct the payroll or an income equivalent to a loan installment.

 

24 Hours Auto Loan ABANCA

General information

Resulta ng larawan para sa auto loan

Type of loan Loan
Credit for:
  • Individuals
Source of income
  • Autonomous
Advantage
  • Car loan for the purchase of a new or used vehicle
  • Interest from 6.50% TIN
  • No study or cancellation fees
  • Initial lack of capital and interest of up to 6 months
  • ABANCA agrees to resolve the request within 24 hours
  • If you approve the loan after 24 hours, the opening commission will be free
Minimum amount € 6,000
Maximum amount € 60,000
Minimum term 6 months
Deadline 8 years
Accepts ASNEF or similar  
Purpose
  • Motorcycle loan
  • Car loan

Costs and commissions

Resulta ng larawan para sa auto loan

Nominal Interest Rate (TIN) 6.50%
TAE Comment

Example of a TAE for a loan of 12,000 € to 8 years with the interest rate.

TIN comment
  • Interest rate of 6.50% TIN if all bonding conditions are met
  • In case of not fulfilling any of the conditions, the interest is 9.50% TIN
Annual Equivalent Rate (APR) 10.63%
Opening commission 1.50% with a minimum of € 120.00
Study commission Free
Commission for early amortization Free

Requirements

Resulta ng larawan para sa auto loan

No. of connections 3

Reduction of 3% interest for the contracting of linked products

Life insurance  
Payment protection insurance  
Additional information (requirements)
  • Possibility of requesting an initial lack of capital and interest of up to 6 months

More information

Resulta ng larawan para sa auto loan

The Auto Loan 24 Hours of ABANCA allows you to request up to € 60,000 to return within a maximum period of up to 8 years to finance the purchase of new or used vehicles (car or motorcycle). Loan interest is from 6.50% TIN (10.63% APR); therefore, if all the conditions of connection are met, the minimum interest rate will be applied.

On the other hand, the entity agrees to resolve our request , granting the loan or denying the request, in a maximum space of 24 hours and if it does not comply, we will not have to pay anything based on the opening commission.

In addition, with the Auto Loan 24 Hours of ABANCA you can request an initial lack of capital along with interest for up to 6 months , so the customer can buy the car now and start paying it within half a year.

 

Car Insurance Change: Deadlines, Tips and Stumbling Blocks

Car Insurance Change: Deadlines, Tips and Stumbling Blocks

Countless Germans pay too much for their car insurance. The change of the car insurance is done quickly. However, it is important that car owners comply with certain deadlines. Otherwise, they will remain bound to their car insurance for another year. Who changes the insurance, should also pay attention to some things.

In autumn, around two million drivers use a car insurance policy change every year to reduce the cost of their car insurance. Depending on the vehicle model, place of residence, extent of benefits and other personal factors, insured persons can save several hundred euros a year . But they have to take care of the change of car insurance in good time. For most contracts, there is a fixed termination date. In addition, motorists should not be blinded by a low price when choosing a new car insurance.

Observe periods when changing motor vehicle insurance

Most car insurance companies have a notice period of one month to the end of the year. For a change of motor insurance the written notice must therefore be available to the previous provider on November 30th . If this day falls on a weekend, some providers of goodwill also accept a late receipt by 1 or 2 December. Consumer advocates advise car owners, however, not to rely on it.

Some contracts are not based on the calendar year. Here is the notice period for a change of motor insurance on the date of the contract . For example, if the contract was completed on April 1, the deadline will be February 28.

In any case, the old insurer can only accept the termination of the motor vehicle liability insurance, if motorists have submitted an insurance confirmation of the new provider . Finally, the liability is required by law. Without follow-up insurance, a termination is therefore excluded. If the car is shut down or sold, the car owner does not need to show a new contract . Then a termination is possible regardless of the other deadlines.

Car insurance change over the special right of termination

Under certain conditions, the change of vehicle insurance is also possible if the regular notice period has expired . If the insurer increases the contribution to car insurance, the customer has a special right of termination. Policyholders can also terminate after insured damage to the vehicle extraordinarily – regardless of whether this was regulated without problems or not. The deadline for the change of vehicle insurance is also one month and begins on receipt of the premium increase or the decision on the regulatory decision of the insurer .

 

Resulta ng larawan para sa car insurance

Tips for car insurance change

Motorists who change their car insurance should not only look for the price when looking for a new insurance. For example, some tariffs are only cheap because they offer lower benefits . Therefore it makes sense to compare price and performance exactly.

The most important tips:

  • In the case of comprehensive insurance cover also negligent damage.
  • Although a workshop commitment usually leads to lower insurance premiums, it is more of a disadvantage for the car driver.
  • The insurers rank the damage-free rebate differently after a damage. The lower the downgrade, the cheaper the contributions will be after an accident.
  • Motorists who use a rental car on holiday, should pay attention to the inclusion of a Majorca policy.
  • A coverage under 50 million euros is not recommended.
  • The Teilkasko should also cover marten bites including consequential damage and collisions with animals of all kinds.

Car insurance: High damage-free class, low contributions

The guides provide general information. Product details of CosmosDirekt can be found on the respective product pages.

Resulta ng larawan para sa car insurance

 

Who drives accident-free, saves on his car insurance. Customers who do not cause any damage in one year are classified in a higher non-infringement category and thus receive a lower contribution rate. For many years of prudent driving thus be in car insurance high discounts on the basic rate.

In the following guidebook, we introduce the system of claim-free classes, promotion, downgrading, and transferability to other people, and explain how novice drivers can lower their car insurance premiums.

 

  • What are claims-free classes?

  • What counts in car insurance

  • Which damage class do novice drivers have?

  • When does a change in the claim-free class occur?

  • Can I take over percentages?

  • What should I tell motor insurance if I want to transfer percentages?

  • Can percentage of losslessness expire?

These insurance terms play a role in the article

term
statement
Regional class Each registration area is classified in a hazard class according to the frequency, severity and cost of accidents involving vehicles registered there. The regional class has a big impact on the insurance premium.
type class Each car type is classified according to its statistical loss history in one of several hazard classes. The more frequently damage occurs to a type and the higher these are, the more expensive the insurance.

What are claims-free classes?

The non-infringement class (SF class) indicates the years that you drove with your car without accident or damage. If you come for five years without damage, you are in SF class 5. For the insurance companies, this corresponds to the period during which you did not use your motor insurance. The longer the time, the better. Those who drive without damage, will be rewarded by the insurers: On the car insurance, higher discounts granted and the contributions decline. This is also fair to the insured community. Because prudent drivers who move accident-free on the roads, cause significantly lower costs. In addition to the regional and type class, the claims-free class has a major impact on the amount of your insurance premium. However, this only plays a role in motor liability insurance and comprehensive insurance. In the part comprehensive insurance, which covers, for example, damage caused by game, hail and theft, the driving behavior has no effect. Therefore, the partial coverage does not provide any personal percentages.

What counts in car insurance: class, discount or percent

Originally, the term no-claims discount was used. Since the insurers were able to agree on a common system, today one speaks of the claim-free classes. The 39 classes (SF 0, ½, 1 – 35, S and M) form the basis on which all insurers reward accident-free driving with their own car. Each claim-free class is assigned certain percentages (contribution rates). This contribution rate determines the amount of the insurance premium. While the SF classes are required by law, insurers are free to determine the assigned percentages. Therefore, the percentages often differ in the companies, despite equal claim class.

Which non-damage class have beginner drivers

New drivers usually pay very high contributions for motor insurance. This is because insurance companies set so-called risk additions for novice drivers due to the statistically higher accident rate. Without percentages novice drivers are classified in non-infringement category 0. This applies to the motor vehicle liability insurance and the comprehensive insurance. But a high contribution does not have to be.

Via the second car regulation, a parent can insure the vehicle that the novice driver uses in his name. The second car is classified as SF 1/2. The novice driver can insure the car in his name after a few years without damage and take over the damage-free years that he himself has experienced during this time. In addition, it is worthwhile to choose a vehicle with a lower type class . The type class can be determined with the type class directory of the GDV.

Saving Tip

At CosmosDirekt, novice drivers can reduce their premiums if they have taken part in Accompanied Driving from the age of 17: the right strategy for novice drivers. In addition, CosmosDirekt offers with BetterDrive a telematics tariff for young drivers up to 28 years. Find out now and calculate your contribution with just 3 details.

 

Resulta ng larawan para sa car insurance

When does a change in the indemnity class (SF class) take place?

Who drives accident-free year after year, benefits twice. Because his SF class is increased by one level the following year. At the same time, the premium that he has to pay for liability insurance or fully comprehensive insurance usually falls. A prerequisite for a promotion, however, is that the insurance cover has existed for at least six months without interruption during the insurance year. Anyone who has a claim settled by the insurance company will receive a downgrade of their damage-free discount, provided no rebate protection has been agreed. Important: For the no-claims discount, it is not the amount of each damage that counts, but the number of damages . The contract regulates in a so-called downgrade table how many levels are deleted for car insurance.

tip

It may be useful to pay smaller damages yourself. Because the costs due to the downgrade can be higher than the damage. You can therefore refund the paid service to the insurer within 6 months. The downgrade will take place in the next calendar year and will be shown on the invoice. Each insurer regulates it differently by how many damage classes are downgraded.

Downgrading in case of damage to cars

Automobile liability insurance

SF-Class
Downgrade at 1 damage Downgrading for 2 damages Downgrading for 3 damages
36 20 8th 2
35 20 8th 2
34 17 7 1
33 16 7 1
32 16 6 1
31 15 6 1
30 15 6 1
29 14 6 1

Comprehensive Insurance

SF-Class
Downgrade at 1 damage Downgrading for 2 damages Downgrading for 3 damages
36 26 16 8th
35 26 16 8th
34 22 12 6
33 21 12 6
32 20 12 6
31 20 11 5
30 19 11 5
29 18 10 4
  • Source: CosmosDirekt, General conditions for motor insurance

Saving Tip

CosmosDirekt offers a discount protection . With you, up to three damages pass you without a trace and your no-claims discount remains unchanged. Your advantage: Despite damage, you keep the percentages of your car insurance!

Car insurance: Can I take over percentages?

A no-claims discount may also be transferred to another person. In the past, it was relatively easy to transfer the percentages to another person. Today, several requirements have to be fulfilled in order to assume a non-infringement status:

  • For almost all insurances, the discount transfer is only permissible to first-degree relatives – from one parent to one child. In addition to the spouses, partners with whom one lives in a marriage-like or domestic community are also possible. The policyholder must agree to the transfer.
  • The transferee must prove to have predominantly driven the vehicle during this period. Therefore, you should first check the insurance contract. If the father was the sole driver, the son could not have moved the car for insurance reasons. In such cases it is not possible to transfer the percentages resulting from the existing motor insurance. Even with widely separated residential areas, the predominant driving with the vehicle is often not given.

One important limitation: The beneficiary can only take on the non-infringement status that they would have earned if they themselves had insured and driven a car from the time they obtained the license. If you have only been driving for 4 years, you can only get the SF class 4 – for 4 accident-free years. The remaining accident-free years expire. In this way, it should be prevented that a novice driver, for example, the damage class of his father takes over, which drives for 25 years without an accident.

Transfer from parent to child

A scenario that is common: A car is insured by the parents as a second car, but is driven by the son or daughter. Especially for novice drivers this is an interesting model. This avoids the high starting price for car insurance because one parent acts as a keeper and policyholder. However, novice drivers, as they are only drivers of the vehicle, also do not earn their own SF discounts. If the child later registers a vehicle himself, the parents can transfer the damage-free class of the second car to the insurance newcomer. The SF class of the first car remains unaffected. In which SF-class son or daughter are classified, depends on the time of the license purchase.

Transfer between spouses

A transfer of the indemnity class between spouses is always possible. Most insurers now approve this process even in marriage-like communities. A discount transfer is usually useful if the car of the wife was allowed to the man to reduce by the Zweitwagenregelung the insurance premium. In this way, although the man has two insurance companies with good SF classes, but the woman gets no percent for their car insurance, because for years she was only a driver, but not a car owner. If the woman now wants to allow a car on her own and act as the policyholder, the man must first hand over in writing his damage-free class for the corresponding car.

Note

Often, the second car insurance is subject to certain conditions, for example, to a certain damage class of the first vehicle. Therefore, it is advisable to compare in advance different rates.

Transfer from the motorcycle

The SF class, which you have achieved while riding a motorcycle, can also be transferred to a car insurance company. However, the percentages of the indemnity discount differ. Although motorcycles with SF-Class 10 will be out of action for ten years without damage, the rest of the years will go hand-in-hand with no accidents. If you then take out motor insurance, the percentage calculation will be based on the damage class actually achieved.

Transfer from company car to private car

If you have driven a company car, there are two ways to transfer the claim-free class. In both cases, however, your former employer needs to meet you.

  • First Option: Your former employer is ready to transfer the non-injurious years of the service vehicle you are using. This means that these discounts are lost for your employer. Accordingly, your employer must start again with a registration of a company car with a high non-payment discount.
  • Second option: Some insurance companies, such as CosmosDirekt, offer the so-called “co-insurance customer agreement”. Here, a person brings the already experienced no-claims discount (SFR) on loan to a company. If this person leaves this company again, she will take back her then valid SFR personally. The SFR belongs to the person. Then the company must be switched to class 0.

Resulta ng larawan para sa car insurance

What should I tell motor insurance if I want to transfer percentages?

In order to be able to transfer the SF class, an appropriate form, the SFR assignment, must be completed. In this all relevant points are queried, old and new policyholders must each make a statement. An SFR assignment consists of four sections:

  1. Vehicle and contract data (the assignee is always referred to as “third party”)
  2. Duty to claim a no-claims discount (confirmed with signature)
  3. Specify conditions (travel times by car of the person delivering, family relationship, driving license data)
  4. Confirmation of the information (to be signed by both)

As a new policyholder, you will still need to enclose a copy of your driver’s license with the form. If the donor is already dead, it is sufficient to present a death certificate. Because it is also possible to inherit an SF class . The same conditions apply to this, which are also important if you want to take over car insurance.

Can percentage of losslessness expire?

An interruption of the insurance cover also has an impact on the no-claims discount (SFR). Interruptions include, for example, the termination of a contract or the decommissioning of a car. If a contract is interrupted or terminated, there are different deadlines under which the SFR expires in the car insurance:

interruption duration
What is happening?
  • Up to 6 months
  • SFR is treated as if no interruption had occurred
  • 6 months to 7 years
  • Contract remains in the SF class in which he was at contract termination
  • After 7 years
  • SFR is considered expired
  • Source: Wikipedia, http://de.wikipedia.org/wiki/Safadenfreiheitsrabatt

tip

How high or low the damage class is set after a break depends on the particular car insurer. You should therefore consult with the tariff details of the insurer or ask for possibilities for a driving and insurance break before concluding the contract.

Conclusion

Who wants to save on liability and comprehensive insurance, should do one thing above all: drive carefully . Without damage, you will then be promoted year by year to the next-better non-infringement class. To reduce the cost of car insurance for novice drivers, the parents can register the vehicle as a second car. If the child later wants to take out a car insurance himself, the percentages of the parents or the damage-free class can be overwritten to the beginner, without endangering the SF class for the first car. In the car insurance can not be transferred the discount, but only the SF class. If the insurance is changed, the SF class remains the same, but the discount can be different. Anyone who concludes a contract with the same insurer with the assumption of a damage-free class, in which the donor had his motor insurance, usually also receives the same no-claims discount. If, on the other hand, you change after the takeover, you can receive another discount or percentages.

Insurance Test: Results at a Glance

Car insurance in comparison: paying too much although contributions are falling

Resulta ng larawan para sa car insurance

The Stiftung Warentest advises insured persons in their investigation not to sit back comfortably and look forward to falling contributions through a better non-infringement class. Because even if they have to pay less , the respective car insurance can beat in comparison more expensive than necessary , if the basic contribution increases. Therefore, it is advisable to always keep an eye on the prices and services of various motor insurers.

Allianz Car Insurance Test: Focus-Money Selects Fairness

Resulta ng larawan para sa car insurance

The Allianz motor insurance better than the Stiftung Warentest in the test of Focus-Money (Issue 18/2014) from. This is carried out by the analysis and consulting firm Service Value and builds on an analysis of the insurance contracts in an online survey of about 3,000 customers. The fairness of the individual insurers in a total of six relevant categories is targeted. These include fair customer service, a fair product offering, fair customer communication, a fair price-performance ratio, fair customer service and fair claims settlement. Allianz Motor Vehicle Insurance scores very well in terms of customer service. The company also achieves a good result for its product range, its customer service and claims settlement.

Very good service at the alliance according to the car insurance test of the DISQ

The Allianz motor vehicle insurance scores in a further test, which counts on the opinion of the customer and the service heavily weighted, with a sometimes very good placement. The German Institute for Service Quality (DISQ) examines each year in a customer survey both the level of service and the price-performance ratio of different insurers. In 2014, the Allianz motor vehicle insurance in the field of service a very good quality rating. Overall, however, she placed only satisfactory in 11th place. Last year, the alliance achieved a much better overall result – and fifth place.

The different results show that in motor insurance there are always major or minor changes, but insured persons can respond. Above all, they should pay attention to their individual needs and keep their eyes open for the best car insurance.

Car Insurance Costs: Driver, car and services are crucial

Car Insurance Costs: Driver, car and services are crucial

Resulta ng larawan para sa car insurance

Vehicle owners in Germany need a hedge for their car. In addition to the purchase price and maintenance, car insurance is a major cost factor for many drivers every month. Not every insured pays the same. But how do the contributions exactly match and how can you save money on car insurance? >  The cost of car insurance depends on many factors

  • Anyone who gets a car can not afford the necessary protection.
  • Various factors determine how expensive car insurance is for car owners.
  • By comparing different offers, drivers can often save several hundred euros in car insurance.

The cost of car insurance is generally very different. How many insured people have to pay exactly depends on several factors. Motorists can partially influence these themselves. Because while, for example, a motor vehicle liability insurance for each vehicle owner is required , insured can decide on the partial or full insurance coverage. It usually applies: The more extensive the protection, the more expensive the insurance tariff. In order to save costs in car insurance, some motorists therefore refrain from additional insurance for their car. But other factors also play a role in the contributions.

Vehicle type, place of residence and driving behavior in the car insurance important

 

Resulta ng larawan para sa car insurance

The type and regional class have a decisive influence on the premiums for car insurance. Thus, each vehicle is assigned a specific type class, which depends on the damage assessment of the model. For example, if a vehicle type is particularly involved in accidents, the type class is high. This drives up the contributions in the sequence. The situation is similar with the regional class, in which the risk of the respective place of residence is classified. If there are many thefts and accidents in the residential area of ​​the insured person, the regional class increases.

Motorists who travel accident-free for years or report no damage can save money on car insurance. Because in this case increases the so-called damage class, which in turn means a discount. The longer the damage-free period lasts, the higher the claims-free class will be and the less vehicle owners will have to pay.

Car Insurance: Costs are based on driver and services

 

Resulta ng larawan para sa car insurance

An important role is played by the car insurance, the individual conditions that bring the insured and wish. For example, the premium increases with the driver’s circle. The more people are allowed to drive the car, the more expensive the protection.

Likewise, the age of the vehicle and the insured is decisive for the contribution amount . For example, particularly young or older drivers pose an increased risk for the insurer, because the risk of accidents is higher. The premium for car insurance is also based on the respective mileage of the customers. The less these are with the car, the cheaper the protection.

Tip: Many drivers are not aware that they can save costs alone with the payment method for car insurance. Depending on the provider, discounts may be offered if the contributions are paid in advance once a year instead of every month.

Car insurance for second car: potential savings at many providers

Drivers who already have a car and want to insure a second car can save money. Because depending on the provider, it is possible to get the same damage-free class for the car insurance for the second car as for the first car . However, certain conditions must be met in part, including a minimum age of drivers between 23 and 25 and an accident-free period of one year before the start of insurance.

Alternatively, many insurers offer their customers at least a so-called improved Zweitwagenregelung. The second vehicle is classified directly in non-infringement category 2, so that insured persons benefit from discounts on their contributions . However, some conditions must also be met in this regulation. Thus, some companies make the benefits of the fact that the first car is also insured by them.

Attention: How high the respective no-claims discount will be varies from insurer to insurer. In order to find the tariff with the best saving potential as well as comprehensive services, an individual comparison of the various offers helps.

Key date for change of insurance is approaching

For most drivers, this year’s notice period for car insurance change ends in just under two weeks. If the previous provider flies the notice after 30 November 2017 into the house, insured must probably remain another year customer of their previous motor insurance. The right time for a price comparison is, according to Stiftung Warentest now.

Motorists who want to be covered by a new motor insurance policy in 2018 no longer have much time to change their provider. For most car insurance ends the regular notice period on 30 November 2017 . Since it is not the date of the postmark which is decisive, but the receipt by the insurer , willing-to-change people should act quickly and compare different motor insurance policies. According to Stiftung Warentest, this is exactly the right time. Because many providers “turn until just before the end of the change season in their tariffs to outdo the competition.”

Stiftung Warentest re-examines motor insurance

Although Stiftung Warentest had already reviewed more than 70 insurers in October 2017 for the best value for money . However, due to the price reductions at the end of the notice period, the consumer organization re-examined the companies for the current financial test issue (12/2017). Thus, some of them have lowered their price in the meantime . The providers who have already convinced in the motor insurance test, but remain cheap.

The examined motor insurance was examined for three different model customers aged 20, 40 and 70 years . The offers had to meet certain minimum requirements, such as no reduction of the insurance cover for gross negligence in comprehensive insurance and the coverage of accidents with animals of all kinds.

Resulta ng larawan para sa auto insurance

These providers offer a favorable insurance coverage

Volunteers who want a favorable motor insurance liability, according to Stiftung Warentest find suitable offers Baden Badener (“comfort”) and German General (“comfort”). For 20- and 40-year-old drivers also recommend “Mobile Online” AXA Easy, “Motor Plus” HDI and the insurer Friday. Baden Badener, German General and HDI also convince the majority with their tariffs on motor insurance in combination with a partial comprehensive insurance or comprehensive insurance.

 

car insurance

The best thing that can happen to your car

Die Autoversicherung vom Testsieger CosmosDirekt. Sparen Sie bis zu 40 % der Beiträge. Your advantages Up to 40% of the contributions save 1

  • 3 damage free with the discount protection
  • Extra customer bonus
  • 24/7 service & satisfaction with warranty

 

Car insurance at number 1 *

Car insurance from the most popular car insurer (DISQ 06/2017) – the best thing that can happen to your car! Save up to 40% on your contributions 1 and benefit from our top loss service .

Our service details

 

Competitive comparison of selected suppliers 1

VW Golf VII 1.2 TSI <br> Annual subscription Basic protection Liability with partial and full insurance (SB 150/300 €) BMW 320 d Touring
Annual fee Basic protection Liability with partial and full insurance (SB 150/300 €) VW Tiguan 2.0 TDI
Annual fee Basic protection Liability with partial and full insurance (SB 150/300 €)

Most important facts about car insurance

What services does the car insurance offer?

Protection of the damage caused towards third parties with the motor vehicle liability insurance and on your vehicle with the comprehensive insurance.

What damages are insured with the car insurance?

Automobile liability

100 million euro package cover for:

  • personal injury
    (maximum € 15 million per person)
  • damage to property
  • financial losses

Coverage with special services

Listing according to service details

Traffic legal protection insurance

Performance overview and examples of damage

Discount protection for up to three damages – what does that mean for car insurance?

If you choose this module, you will be passed up to 3 damages without downgrading. Your no-claims discount remains unchanged. If your contract remains harmless, your discount will increase as usual up to the highest level.

How do I receive a credit note on the deductible from the car insurance company?

50 Euro credit on your deductible for every damage-free calendar year in the full and partial coverage in Comfort protection. Max. Up to the agreed deductible.

What does satisfaction with warranty mean?

You will receive your money within 7 days, as soon as we have all the information necessary for the processing of your damage – otherwise you will receive 50 euros extra .

What services does the car insurance offer?

Protection of the damage caused towards third parties with the motor vehicle liability insurance and on your vehicle with the comprehensive insurance.

Resulta ng larawan para sa auto insurance

What damages are insured with the car insurance?

Automobile liability

100 million euro package cover for:

  • personal injury
    (maximum € 15 million per person)
  • damage to property
  • financial losses

Coverage with special services

Listing according to service details

Traffic legal protection insurance

Performance overview and examples of damage

 

Discount protection for up to three damages – what does that mean for car insurance?

If you choose this module, you will be passed up to 3 damages without downgrading. Your no-claims discount remains unchanged. If your contract remains harmless, your discount will increase as usual up to the highest level.

 

How do I receive a credit note on the deductible from the car insurance company?

50 Euro credit on your deductible for every damage-free calendar year in the full and partial coverage in Comfort protection. Max. Up to the agreed deductible.

 

What does satisfaction with warranty mean?

You will receive your money within 7 days, as soon as we have all the information necessary for the processing of your damage – otherwise you will receive 50 euros extra .

Your individual tariff choice: basic or comfort protection

With the basic protection you are well insured – with 100 million euros coverage in motor insurance. Even more protection is provided by the Comfort protection with many advantageous extra benefits.

Motor liability insurance
Basic Comprehensive Basic Protection Comfort top protection with many extras
Cover amount per claim 100 million euros
Package cover
(maximum 12 million euros
per person)
100 million euros
Package cover
(maximum 15 million euros
per person)
Mallorca-Police    
Benefits of own damage    

Services of the partial coverage

  Base Comfort
Immediate damage by animal bite (eg marten) including consequential damage Consequential damages up to 3.000 € unlimited
Extended Natural Power Protection without avalanches and roof avalanches incl. avalanches and roof avalanches
Replacement of bulbs    
Original price compensation for new cars 12 months 24 Months
Purchase value compensation for used cars 12 months 24 Months
Collision with wild deer    
Extended game damage protection
(Animals of all kinds)
   
theft    
Damage caused by fire and explosion    
Damage caused by storm, hail, lightning or flooding    
Glass damage (glass breakage)    
Cable damage due to short circuit    
Waiver of deductions “new for old”    
Waiver of “objection of gross negligence”    
Protection of special equipment up to the replacement value    

Services of full insurance (including partial coverage)

  Base Comfort
Credit on the deductible
for every damage-free calendar year in the hull
   
Replacement of vehicle locks when stealing the vehicle key    
Transport on ferries    
GAP coverage
for leased and debt financed vehicles
   
Replacement of the operating materials in case of damage    
Replacement of bulbs    
Replacement of disposal costs up to 750 €    
Replacement of transfer costs up to 750 €    
Replacement of registration costs up to 100 €    
New price-compensation 12 months 24 Months
Purchase value compensation for used cars 12 months 24 Months
Damage due to vandalism    
Accident damage to your own vehicle    
Waiver of deductions “new for old”    
Waiver of “objection of gross negligence”    
  Base Comfort
Save through workshop loyalty
” Organization of a DEKRA-certified specialist workshop in your area “
selectable for partial or full insurance selectable for partial or full insurance
Discount protection: Up to 3 damages free selectable selectable
Additional insurance protection
Traffic Law    
Motor vehicle accident insurance    
Schutzbrief service    

data Prerequisite for the discount protection

In motor third-party liability insurance and comprehensive insurance, your no-claims discount (SF class) is at least SF 4, and in the current calendar year, there is no claim for any impairment.

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Top value for money

  • Cheap posts: you save money every month. As a direct insurer, we pass on our cost advantages directly to you.
  • Additional attractive price advantages: As our customer, you receive a 5% customer bonus on your car contribution. Insured Techniker health insurance also benefit from a further price advantage.
  • 24/7 service and advice: We are there for you around the clock and will advise you competently.
  • Tariff options: When you take out your car insurance, you can choose between the particularly favorable basic protection and the Comfort protection with many extras.
    The offer can be further customized with the components discount protection and workshop loyalty.

Cheap alternative to the second car insurance

What advantages does BetterDrive, the innovative car insurance for young drivers, have over parents compared to second car insurance? It is the perfect alternative for all 18-28 year olds who want to be self-assured right from the beginning and want to save money with good driving. This is usually even cheaper than the second car insurance on the parents.

Resulta ng larawan para sa auto insurance

Our service in car insurance

Traffic accidents happen faster than you think. Therefore, you should take out car insurance that you can rely on. With us you can select and combine the following insurance benefits:

  • The motor vehicle liability insurance is obligatory for vehicle owners. It is responsible for any damage caused by the operation of your vehicle.
  • With the comprehensive insurance you secure damage to your own vehicle. We recommend fully comprehensive protection for new cars and partial comprehensive insurance for older vehicles.
  • With the motor vehicle accident insurance you secure yourself and passengers in your vehicle financially against the consequences of an accident.
  • The protection letter service helps with emergencies in Germany and abroad. This takes over the costs for immediate help in case of breakdown or accident and additional services (for example, rental car, medically necessary return transport).
  • With the traffic legal protection insurance you protect yourself from the financial consequences of a legal dispute about your private car and as a road user. Legal protection cases are handled by Advocard Rechtsschutzversicherung AG .

The most common questions about car insurance

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What services does CosmosDirekt offer in the event of a claim for car insurance?

Our claims service 0681-9 66 68 15 is there for you 24 hours a day . Our professional claims officers take care of you. We immediately contact the accident participants and the workshop. Or just report your vehicle damage online .

Free special service package 1

As part of a special accident compensation service , we offer you a special package 1 free of charge with many extras for car full damage insurance in Germany 2 . If you want to use this top service , we will gladly organize it for you and you will receive the following services:

  • Organization of a specialist workshop: A qualified / certified specialist workshop certified by DEKRA will contact you. This competent car repair shop will repair your car as fast as possible. We rely on the workshop network with the densest area presence in Germany. The billing is done directly with us.
  • Free replacement car service: We will provide you with a replacement car (Group A) free of charge for the duration of the repair. So you stay mobile without spending time and money. This service is exceptional in comprehensive insurance, since there is no claim to a rental car.
  • Free pick-up and delivery service: The specialist workshop picks up your vehicle on request and brings you this replacement car. After completing the repair of your vehicle, the car repair shop brings your vehicle back to you and picks up the replacement car again.
  • Interior and exterior cleaning of the vehicle: After repair, the workshop cleans your vehicle inside and out for free.
  • 6-year guarantee on the repair service: The specialist workshop repairs with original spare parts in accordance with the technical regulations and recommendations of the manufacturer. The repair service is covered by an extended warranty of 6 years instead of the statutory 2 years. The manufacturing guarantee remains unaffected.
  • 1 If a workshop commitment has been agreed, the special service package is not available.

  • 2 Applies to cars and only in cooperation with qualified / certified car repair shops, which are brokered by CosmosDirekt.

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When do I need an eVB (electronic insurance confirmation) for car insurance?

You need an electronic confirmation of insurance (eVB) for each registration or change of registration of a vehicle. It replaces the former cover card or double card. It is a seven-digit combination of numbers and letters (eVB number) of your desired motor insurance. This confirms to your registration authority that the legally required motor vehicle liability insurance exists. Note : Changing an eVB is not possible – a new eVB has to be created.

When do I need an eVB?

  • New registration or change of a vehicle
  • Re-approval of a decommissioned vehicle
  • New registration due to change of residence
  • Retention of previous license plate when changing residence
  • Description of another vehicle owner

How do I get an eVB?

You request your eVB number easily and quickly online .

 

When do I need a special eVB?

  • Admission of your vehicle with season license plate
  • Approval of your vehicle with temporary license plate
  • Registration of other vehicles (for example motorhome)

This special eVB can be requested by phone.

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How do I save on car insurance?

Select low type class

The type classes reflect the property and casualty accounts of each car model registered in Germany. To calculate the type classes, the vehicle damage and the resulting repair costs of the last three years are considered. Each year, an independent trustee determines if there are any changes to the previous classifications. If a vehicle type reported and compensated for comparatively less damage than in previous years, the model is classified in a lower type class. Conversely, it works the same way. The classification is the same for all motor insurance companies. The lower the type class, the lower your contribution.

  • Determine type class

Full insurance instead of partial coverage

The higher your already “experienced” no-claims discount, the cheaper your contribution. A comparison is worthwhile. Comprehensive insurance provides more than partial comprehensive insurance. It may still be cheaper thanks to the no-claims discount. In the partial coverage, there is no such discount.

Higher deductible

The higher the deductible in the full and partial coverage, the more you can save. In the event of a claim, you pay part of the sum (deductible) itself, but until then you have saved many contributions. This is cheaper for you in many cases. We recommend a deductible of at least € 500 to keep your contributions as low as possible.

Seasonal license plates

You only register your car for a certain time (season), for example from April to October. The car tax and the contribution for your insurance only accrue for these months. In return, you may only use your car on public roads during this season. Tip : In order for you to be classified in a lower non-smoking class (SF class) after a non-claiming year, the season must be at least six months per year.

Special second car control for your car 1

Under certain conditions, you will receive a discount for your second car (third car …). Our experts will be pleased to advise you.

Select low car tax code

It is best to think about car taxes even before buying a car. Better buy a low tax vehicle

  • Determine tax code

Further discounts and benefits

  • Up to 10% family bonus
  • Up to 10% discount for owner-occupied homeownership
  • 5% customer bonus
  • If you belong to a certain professional group.
  • If you have a garage cart .
  • If you drive a little .
  • 1 You and / or your spouse / partner living in your home community already have a first vehicle insured that is at least in SF 3 and only you and / or your partner drive the first and second cars.

  • 2 Life insurance also includes occupational disability insurance and pension insurance. You do not receive a customer bonus for the Flexible Retirement Savings Account, Flexible Retirement Savings Account Invest and Tagesgeld Plus.

Resulta ng larawan para sa auto insurance

Who is insured with the car insurance?

  • Policyholder: He completes the insurance.
  • Holder: The vehicle is registered with him (vehicle owner ). Its name appears in the vehicle registration certificate or the registration certificate Part I / II.
  • Owner: The vehicle belongs to him in the legal sense.
  • Authorized driver: He drives the vehicle on his own responsibility. He is insured if the policyholder has allowed the journey and he has a valid driving license.
  • Passenger + authorized driver: Additional protection is possible through the motor vehicle accident insurance.
  • Accompanied driving : We are happy to include you in your car insurance for you – at no extra cost.

 

Which services can I choose for car insurance?

Our complete package in car insurance

Traffic accidents happen faster than you think. Therefore, it is better to make a car insurance you can rely on. At CosmosDirekt you can choose different insurance cover and combine with each other.

Automobile liability insurance

The liability insurance is obligatory for vehicle owners. It is responsible for any damage caused by the operation of your vehicle. The insurance covers the following services, for example:

  • Repair of the vehicle of the accident opponent
  • Cost of a rental car
  • damages
  • Payment of a pension

These achievements also receive the passengers of the accident opponent. In addition, the liability also includes the defense against unfounded or excessive claims for damages.

Statutory minimum insurance amounts in motor vehicle liability per claim:

  • Personal injury up to 7.5 million euros
  • Property damage up to 1.22 million euros
  • Property damage up to 50,000 euros

CosmosDirekt pays per claim:

  • Personal, property and pecuniary loss totaling EUR 100 million
  • Personal injury up to 12 million euros (15 million euros in comfort protection) per injured person

insurance

With the comprehensive insurance you secure damage to your own vehicle. We recommend fully comprehensive protection for new cars and partial comprehensive insurance for older vehicles.

insured risk
Teilkasko Comprehensive
theft    
Extended Natural Power Protection    
Fire and explosion    
Cable damage due to short circuit    
Breakage damage to the glazing    
Extended game damage protection    
Animal bite damage including consequential damages    
Accident damage to your own vehicle    
Damage due to vandalism    

Traffic Law

The traffic protection insurance protects you from the financial consequences of a legal dispute (up to € 1,000,000 per legal protection case). The protection applies around your private car as well as for you as a road user. We offer traffic protection in addition to car insurance for only 65 euros per year. The protection exists for you and every other authorized driver as well as passengers of the vehicle insured with us. In addition, as policyholder you are also protected:

  • as a driver of foreign vehicles
  • as a cyclist
  • as a pedestrian
  • as a passenger of a vehicle
  • as a user of a public transport

Your advantages:

  • No wait
  • Fast, uncomplicated communication – directly with the lawyer
  • Worldwide insurance cover

Our services:

  • Damages legal protection
  • Contract / terms of legal protection
  • Tax legal protection before courts
  • Administrative Law
  • Criminal legal
  • Victims Legal
  • Ordnungswidrigkeits legal protection
  • mediation
  • free telephone legal advice

Motor vehicle accident insurance

With the motor vehicle accident insurance you secure yourself and passengers in your vehicle financially against the consequences of an accident. She pays hospital and convalescence, disability benefits and a death benefit to the driver and all passengers. The question of guilt for the benefits does not matter, because our motor accident insurance always pays in addition to all other benefits.

Schutzbrief service

The protection letter service helps with emergencies in Germany and abroad. He pays the costs for immediate help in case of breakdown or accident. In addition, it offers additional services, such as rental cars and medically necessary return transport. The protection letter service can be arranged optionally in addition to:

  • Full insurance for only 17.85 euros annually
  • Partial insurance for only 29.75 euros annually

Services of our protection letter service in Germany and abroad 3

At vehicle breakdown:

  • Breakdown and accident assistance
  • Towing the vehicle
  • Salvage of the vehicle

In case of vehicle failure: 4

  • Cost for further or return journey
  • Cost of accommodation and rental car
  • Accommodation of the vehicle
  • Medically necessary sick repatriation
  • Costs for hospital visits
  • Retrieval of children
  • Travel Callback Service

If the driver fails on a trip: 4

  • Pick-up of the vehicle in case of driver failure

Additional service abroad: 4

  • Shipping of spare parts
  • Transportation of the vehicle
  • Replacement of travel documents
  • Mediation of medical care
  • Shipping of medicines
  • Help in the event of death
  • Reimbursement of expenses for interruption of travel
  • Assistance in special emergencies
  • Customs clearance and scrapping of the vehicle
  • Substitution of means of payment and loans

Additional information on all services can be found in the conditions .

  • 1 There is a general deductible of 150 euros.

  • 2 Vehicle may neither belong to you nor be admitted to you. There must be no insurance mark (for example) in your name.

  • 3 Insurance cover is valid in Europe, non-European riparian states of the Mediterranean, Canary Islands, Azores, Madeira.

  • 4 The accident site must be at least 50 km away from the permanent residence of the policyholder.

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What does the workshop commitment actually mean in the event of a claim?

If you have agreed the workshop binding and your vehicle must be repaired after a damage, we take care of everything necessary for you.

CosmosDirekt works with more than 1,500 partner workshops . Half of these are brand-bound authorized repair shops and independent bodyshops and paint shops specializing in accident repair. All workshops are certified by the independent expert organization Dekra and are reviewed again every two years. This ensures that the workshops are always up to the highest standards.

Unfortunately, we can not provide a list of workshops. On the one hand, this is because we are not allowed to communicate the contact details of these companies without permission. On the other hand, we do this to guarantee quick help for you in the event of a claim. You will have no trouble finding the nearest available workshop in many calls and possibly having to wait longer than necessary for the repair. If you contact us immediately in the event of a claim, our claims service with all its services is at your disposal. We ensure that your car is quickly and competently repaired by one of our certified partners.

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When can I switch to CosmosDirekt with my car insurance?

At vehicle change or new registration

If another vehicle (vehicle replacement) or new vehicle registration or registration of another vehicle is registered, you can immediately change your existing car insurance. You are free to insure your vehicle with the car insurance you request. A written note to your previous insurance on the termination of your vehicle contract (sales / cancellation certificate) is sufficient. In addition, please also inform your competent vehicle registration office about the sale or the scrapping. Even with a financing or lease, the decision for your car insurance company insurance is up to you.

Ordinary termination – to 30.11. each year

Ordinary termination of your vehicle contract is possible at the end of the insurance year (main due date). This is in most cases the 31.12. one year. The notice period for your car insurance is one month. Your cancellation must therefore be no later than 30.11. the year of your car insurance.

Online termination service
With our cancellation service, switching online is now easy for you. With just one click you cancel your previous insurance and switch to us.

  1. Please fill out the cancellation form and check your entries.
  2. We fax your cancellation for you to your previous motor insurance. Alternatively, send your notice by post.
  3. Upon request, you will receive your letter of termination with an e-mail.

But you can also easily select your desired tariff and complete it online. On the
Confirmation page of the application, you will once again have the opportunity to cancel your previous car insurance with just one click.

If you increase your contribution (special termination)

If you increase your contribution or change the terms of your contract, you have a special right of termination (extraordinary termination). This only applies if the scope of your contract does not change at the same time.

It also applies if you increase your contribution because of a change in the previously applicable type or regional class of your vehicle. Your notice must be received within one month after receiving the message of your previous car insurance. Your termination date is the time from which the increased contribution would be due.

In case of loss (special termination)

In the event of a claim, you and your motor insurance have a special right of termination (extraordinary termination). The termination of your entire contract must occur within one month after the settlement of your claim. You decide whether your termination will take effect immediately or later. However, the latest date is the end of the respective insurance year (main due date).

No special right of termination

In the following cases, you have no special right of termination:

  • Reduction of your contribution
  • Increase your contribution due to a downgrade of your no-claims time as a result of a claim
  • Increase of the insurance tax by the legislator

Resulta ng larawan para sa auto insurance

How does CosmosDirekt calculate my contribution to car insurance?

Damage-claims bonus

The higher your claim discount, the cheaper your contribution.

Type class of the car

The type class affects your contribution.

Postal code of the holder and regional class

An independent trustee will determine a “claims requirement index value” for each approval district. This measures the frequency and extent of the accidents. The lower the value, the cheaper the contribution. The regional classes differ in the motor insurance companies. This depends on how detailed the respective motor insurance company divides the values ​​communicated by the trustee. The regional class is determined using the postal code of the vehicle owner.

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Which vehicles does CosmosDirekt insure in motor insurance?

  • Car 1
  • Motorcycle (motorcycle)
  • Scooter (power roller)
  • Leichtkraftrad
  • Light motor scooter
  • Mobile home (camping vehicle)
  • Commercial and private trucks up to 3.5 t gross weight (vans)
  • Commercial trucks up to 3.5 t gross weight (vans)
  • Caravan / Trailer (Caravan)
  • Trailer in the factory / private traffic up to 3.5 t total weight 2

You are interested in an offer or a consultation for such a vehicle or trailer? Call us! Our experts are happy to help you 24 hours a day at 0681-9 66 68 00.

  • 1 Approved as a car without rental for own use. Cars are motor vehicles registered as passenger cars, with the exception of rental cars, taxis and self-drive rental vehicles, and motor vehicles registered as a special vehicle / vehicle with other special purpose / purpose (for example ambulances, hearses and some RVs). Without rental means that vehicles are used free of charge, only in own use. This does not include rental cars, taxis and self-drive rental vehicles.

  • 2 vans / trailers; no dangerous goods transport / no special construction.

Change car insurance

This is how the change works!

The guides provide general information. Product details of CosmosDirekt can be found on the respective product pages.

With no other insurance, customers change as often as car insurance providers – and often for good reason. Because with auto insurance there are enormous price, performance, service and quality differences. In these cases, a change is worthwhile. We explain how it works quite simply and what special features there are.

term
statement
No-claim bonus For each non-claiming calendar year in which a vehicle was registered for at least six months, a non-injurious year is collected the following year. The more years are accumulated, the more discount there is on the contribution.
bonus The contribution for the insurance protection. This is usually until 01.01. calculated.

Zulassungsstelle - So melden Sie Ihr Auto reibungslos an, um oder ab! To the registration office? That’s how it works! For all those who imagine the appointment at the Admissions Office as a nerve-wracking adventure: Our PDF guide with information and tips shows you the way through the bureaucracy jungle. Send the guide to:

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  • * By providing your e-mail address, you consent to the use of your e-mail address for the transmission of the PDF link and for further information on CosmosDirekt’s products and services, as well as for market and opinion research purposes , You can object to the use of your data for the aforementioned purposes at any time.

From what savings is a change worthwhile?

From which savings the change pays off for you depends on how valuable your time is to you. Comparing the insurances, collecting documents and settling with the old and new insurer all contractual costs time. There are already for the one already 10 ¬ already a desirable saving, for others, it must already be more than 100 ¬. The time required for a change usually takes one to two hours. But at least invest a quick comparison and you will see that there are clear differences.

Your satisfaction should also be a benchmark for comparison. The issues of service and, above all, the performance of an insurer are often worth more than just a few euros. If you are not satisfied with your provider, the question of saving should be an additional incentive for the comparison. Ideally, you will find a provider that is one of the cheap on the market for several years and also offers meaningful services and excellent service.

tip

Check your existing insurance on contribution, services and other standards that are personally important to you. If there is a point that could be better for you, a comparison is worthwhile.

 

Resulta ng larawan para sa auto insurance

How does a change of insurance work?

A change is basically very easy. Important is the notice deadline on 30.11. every year. Until this time, the previous insurer must have the written notice by mail or fax. Due to the cut-off date, some insurers send the contribution bill very late, so that a comparison of fees and the decision to change the car contract is made more difficult.

If you have terminated your contract in time , this ends on 01.01. at 0:00 . Until then you need a new contract! If possible, you should be active a few weeks before the deadline in order not to get in time trouble. A timely termination also gives the insurer the opportunity to make you a cheaper offer if necessary. That may make a change unnecessary.

If the insurance change is to take place, the previous insurer confirms your termination. In addition, the licensing authority is informed that the insurance cover ends at the turn of the year. Your new insurer will inform you that the insurance coverage has been taken over after this date. Your no-claims discount is automatically passed from the old to the new insurance.

tip

Check that the correct number of years without damage has been handed over.

What criteria help with car insurance change?

There are hard and soft criteria for a change of insurance. Hard criteria are, for example, the contribution and the insured benefit. The most important criterion for a change is the contribution. If you also choose a provider that is permanently cheap, this saves you the annual change.

tip

Often, insurers go for very cheap premiums on “customer catch” and increase the contributions significantly next year. Soft criteria are, for example, service and quality. Thus, an excellent claims service and exclusive services, such as the discount protection, are also important criteria that your insurance should offer in addition to a permanently favorable contribution.

When can I cancel a car insurance?

Ordinary termination

At the end of each insurance year, you can cancel your car contract – usually on 31.12 .. The period of notice for your car insurance is one month. Your notice must therefore not later than 30.11. Your insurer.

tip

Use the pattern cancellation – just fill out and send it by registered mail to your car insurance.

  • Model termination car insurance

Vehicle change or new registration

When changing vehicles or registering for new vehicles (including financing or leasing), you can insure your vehicle with the desired insurance company . A written notification to the previous insurer is sufficient in which you inform him about the termination of the car contract (sale or deregistration certificate). In addition, you should also inform the registration authority.

With contribution increase

If you increase your contribution or change the terms, you have a special right of termination , provided that the scope of your contract does not change. This also applies to premium increases due to a change in the type or regional class of your vehicle. Your notice must be given within one month of receiving the notice. Your cancellation date is the time from which you should pay the increased fee.

Note

You have no special right of termination in the following cases:

  • reduction in contributions
  • Contribution increase due to downgrading of your non-time due to damage
  • Increase of the insurance tax by the legislator

In case of damage

In the event of a claim, you and your insurer have a special right of termination . The cancellation of your entire contract must be made within one month after the claim has been settled. You can decide whether your termination should take effect immediately or at a later date. However, this must have happened by the end of the insurance year at the latest (main due date).

Car insurance: 14 insurers protect drivers well

Motorists who are now looking for the best value for money car insurance have 14 very good insurers to choose from. Price wise, however, the providers are far apart, depending on the sample customer, so that an individual comparison pays off. 14 sehr gute Kfz-Versicherungen im Vergleich vom Handelsblatt A powerful car insurance does not have to be expensive

  • 14 car insurance convince according to a recent comparison of the Handelsblattes with the best mix of price and performance.
  • Depending on the model customer, the costs for the top fares differ by more than 350 euros per year.
  • Due to the many factors of the contribution calculation, drivers who want to change their insurance should always compare tariffs individually.

Which car insurance companies offer a very good price-performance ratio, the rating agencies Franke and Bornberg has determined for the current comparison of the Handelsblatt. The experts of two sample customers went out: a 69-year-old pensioner with no claims (SF) 30 and a 35-year-old father with SF 18. Both drive about 15,000 kilometers a year, want a motor liability insurance with supplementary comprehensive insurance and are sole Driver of her car.

However, the annual contributions made to the model customers are only indicative for drivers willing to change. “No car owner will exactly come to the sums that Franke and Bornberg in the ranking indicates. Too many different factors flow into the tariffs – including place of residence, occupation, number of children, real estate ownership, ADAC membership, “according to Handelsblatt.

Tip: Do not rely solely on the test winners in the field of motor insurance. Also check which car insurance companies offer you an optimal mix of price and performance.

Car insurance in comparison: 14 times very good choice for motorists

Depending on the model customer, the car insurance companies examined show a different level of performance . As many as 14 of the 33 providers offer tariffs with top benefits for the retiree, including the insurers Verti, Allsecur, VHV, DEVK and Bavaria Direkt. For the father of the family, however, only two offers from CosmosDirekt and R + V are recommended, whose services were rated as excellent by the rating agency.

In addition, the price for motor insurance was included in the valuation. In the overall result of costs and performance, 14 providers achieved a very good overall rating. Among the very good motor insurance belong to the current comparison of the Handelsblattes among other things:

  • Bavaria Direkt – “Komfort L” (pensioner) / “Komfort M” (family man)
  • Allsecur – “Premium” / “Comfort”
  • VHV – “Classic Garant including additional module Exclusive” / “Classic Garant including workshop binding”
  • DEVK – “Premium” / “Comfort”
  • WGV – “Optimal”

The annual contribution of very good providers varies according to the motor insurance test between 312 euros and 555 euros (family man) or 655 euros and 1,041 euros.

Resulta ng larawan para sa auto insurance