How to make a good maintenance of your car

Related imageWhen a person buys a car he has the responsibility of keeping it in the best possible conditions. A car in good condition, with its up-to-date maintenance, helps reduce accidents and contributes to road safety. In addition, with a car in perfect condition some expensive repairs are avoided. Today we talk about how to do a good maintenance of your car.

Summer is already in its last throes, so this is a good time to check the vehicle . In this article we are going to give you the guidelines for you to do a good maintenance of your car before the first frosts and the cold arrive.

This is what you have to do to ensure good maintenance of your car

1. Inspection of tires.

The tires are the only part of the vehicle that is in permanent contact with the ground. That these are in good condition is essential to ensure the safety of the car on the road . Start by checking the pressure at least once a week. Also take a look at the state of the rubber and the depth of the drawing. If you’re not sure if it’s the right one, check with your trusted mechanic.

2. Review of filters.

In every vehicle we find oil filters, air filters, fuel filters and cabin filters . As its name suggests, its function is to filter elements or fluids and are essential to keep the vehicle in good condition. In general, it is recommended to replace them once a year.

3. Air conditioning system.

It is always important to keep an eye on the vehicle’s air conditioning system, as it is responsible for a good temperature inside the passenger compartment. If we do not want a cold, almost polar heating tomorrow to leave us hanging, it is better to check that the system works correctly, especially after the intense use we have given it in summer.

4. The brushes.

The brushes deform and break, and more after the high temperatures of recent months. They are a frequent wear element that should be replaced at least once a year , before the first rains begin. Nobody will like to be in the middle of a storm, with very little visibility, and some brushes that do not do their job well.

5. Levels of liquids.

The vehicles have several liquid tanks that must be kept within safety levels. For example, the antifreeze tank, the oil tank and the distilled water tank . It is better to make sure that your levels are correct to ensure the proper functioning of the vehicle and prevent problems.

6. Brakes.

Brakes in poor condition can lengthen a braking several meters and cause an accident. That is why we must pay close attention to any noise, chirp or anomaly that we notice when stepping on the brake pedal. It must be said that it is not easy to detect a problem of this type, so it is recommended to take it to a workshop once a year for a specialist review.

7. Timing belt.

To finish, it is very important to check the timing belt, an expensive piece to replace that many drivers consider forgotten. Its function is to synchronize the four times of the engine, the spark of the spark plug and the opening and closing of the intake and exhaust valves. Its break is a very serious breakdown of the vehicle , so it is better to follow to the letter the maintenance advice given by each manufacturer.

Rent a car vs. Buy a Vehicle

Buying a car is one of the most important purchases that most people will make in their life. So, it’s a good idea to do a good research before deciding on the car brand, and, more importantly, what financial path you will take. One of the important dilemmas is renting or buying a car and weighing the pros and cons may seem like a lot of work.

The decision between the two options often depends on your situation, your lifestyle and your personal needs. For example, knowing how you use it can help you. If you are doing business with business customers, renting can afford a luxurious car for less money initially. Rent vs. buying is not always a question of money, but if you are mainly concerned about it, doing the pros and cons is a good way to start. We have compiled for you the most important questions you need to consider when deciding to rent or buy a car.

The Pours to Rent a Vehicle

The possibility of lower monthly payments

If you are not in a good financial position to buy a car without financing the purchase, because of its lower monthly payments, renting can be very attractive. By purchasing, financing is based on the total value of the vehicle minus your initial down payment. On the other hand, leasing charges the driver only the difference between the initial price and the price after the depreciation of the vehicle. In the end, you will only be charged for the decline in value of the car over the number of years you have had it.

You will always drive a new vehicle

For those who do not pay much attention to cars, renting is a very attractive option. Rental lets you always have the latest model with the latest innovations in terms of technologies and features. You will also have the advantage of not managing the headaches that can bring maintenance if you rent every three years. In the end, you can enjoy more for less money.

The Counts to Rent a Vehicle

Higher insurance

If you constantly have a new used car, you will have to take into consideration that your insurance costs will also likely be high. It is true that with a rented car you avoid maintenance costs, but these costs can be offset with higher insurance payments.

Rent requires good credit

If you do not have good credit, renting is not an option for you. The overall financing costs during a rental are always higher than the loans because in no case will you refund the principal amount. In addition, the loan companies require that you have a health credit rating with a stable financial position.

Pours to buy a Vehicle

It’s easier to plan and add in a budget

When it comes time to buy through financing, you can calculate how much you will pay exactly each month and how long it will take to repay. These certainties are real assets to stay on course with your budget and plan your future finances.

You have equity with a purchased vehicle

Whether you own all or part of your vehicle, it can still be used as equity depending on the circumstances. If you need money, you can always sell it. Also, you would like to take advantage of some rental benefits, you could also use your vehicle as a bargain for a down payment of a newer vehicle.

Counterfeit to buy a Vehicle

Expenditures related to mechanical problems

Once your vehicle warranty expires, any mechanical problem that may arise is your responsibility. You must anticipate that these costs will become more frequent with the use of the vehicle. In addition, when you want to sell the vehicle, you are responsible for managing the logistics involved in its exchange or private sale.

Quick loss of value

Right out of the dealership, a new vehicle loses momentum instantly and will continue to do so. In addition, incidents such as accidents or simply normal wear and tear contribute to its loss of value. Ultimately, the decision to rent or buy is unique to everyone. If you are looking for short term, and want more of the car for less, renting is beneficial. If you search for the security that comes with buying your own vehicle, buying would be more your style. Ultimately, you need to decide which route will best complement your personal preferences as well as your financial situation.

List of credits to buy a car

Image result for buying a carNot always have enough money to buy a car and request a personal credit with this reason is a fairly recurring option.

To get the best credit for buying a car, we recommend comparing the different loans in the market, in order to request the most convenient one.

When comparing different loans we have to analyze the following elements:

  • Amount: the first thing is to know how much amount you will need, since, the entities lend a maximum amount.

  • Interest: when comparing different products, the total cost of a loan will vary according to your interest. The higher the interest, the higher the cost. The CAT is an indicator established by the Bank of Mexico that shows the total cost of a loan to buy a car or for another purpose.

  • Extra Commissions: Some loans have and others do not, such as: commission for opening or cancellation. You have to take it into account because you can increase the total cost.

  • Return period : the minimum and maximum return period will determine the amount of the installments and the length of time the loan will be extended.

A shorter return period will pay interest for a shorter time, that is, the total cost will be less, but the monthly fee will be higher.

A longer repayment term will pay interest for a longer time, normally, the total cost will increase but the fee will be a lower amount.

In the following list of loans we show you the most convenient entities to request a loan to buy a car.

Rate

The La Tasa financier offers up to $ 350,000 with a CAT from 9.9% to 28.9%. You can choose a return period from 6 to 36 months. It is a flexible credit with which you can choose the amount of amount you want to pay each month. In addition, they offer a personalized service: upon receiving the request, they make an individualized proposal to each user. It has a commission for opening 5.0%.

Requirements

  • Have a Mexican residence

  • Have a positive Score in a credit bureau

  • Be of age

If the credit to buy a car is approved, the following documents must be provided:

  • Bank account data

  • Proof of address

  • Last 3 months of proof of income

Advantage

  • Quick request in less than 5 min

  • Instant response

  • Custom rate

  • Amount in less than 48 hours

  • No need to present endorsements

  • Fixed fees

Kubo Financial

If you need a loan to buy a car, Kubo Financiero offers up to $ 300,000 with a CAT from 16.5% and 55.1%, depending on the credit history apply a lower or higher rate. The average annual is at 30.26%. It involves a commission for opening 5.0%.

Requirements

  • Minimum income of $ 6,000

  • Be of age

  • Have a positive credit history

  • Have a Mexican residence

  • Minimum 1 year of seniority

Advantage

  • Personal credit

  • Pre-approval in 5 min

  • 100% online request

  • Signature of the face-to-face contract

yotepresto.com

Yotepresto.com is a financial institution with which you can receive a loan to buy a car up to $ 300,000 with a maximum term of 36 months. The minimum CAT they offer is 8.90% and the maximum interest is 38.90%. This credit adds a commission for opening and a commission for protection and account management that covers life insurance.

Requirements

  • Have a positive credit bureau

  • Have a bank account

  • Show regular income

Advantage

  • Fast answer

  • Personalized rate to the profile of the applicant

  • Online loan

With this list and our form you can find the best credits to buy a car , the main objective is to find the financing that offers the best conditions.

Used car sales: Fast away!

Anyone who has bought a new car and separated from its old, had in the past few years usually used only one of two options: either the old in the used car dealer in payment or on your own by a classified ad in the newspaper or the Internet sell.

The sale on your own by classified ad can be tedious and time consuming. Interested parties call, dates for test drives must be agreed, finally, haggle over the price for a long time. Because of the effort and possible annoyance, a third option is now becoming more popular:

The sale to car buyers on the Internet. From such sales portals with names such as “Carsale24”, “easy car sales” or “buying a car”, there is more and more. Reason for the success: If everything works well, the used car sales will be done quickly and without much effort on the stage.

That’s how the car buyers work

For the new portals used car sales usually works like this:

  • The sales prospect registers and gives details of his car he wants to sell. If necessary, he also uploads pictures already.
  • Then he immediately gets a price – or a more or less large price range – called, to which he can sell the used car.
  • If the seller then wants to pursue the sale, the portal offers the used car dealers to be able to offer a price.
  • Finally, the customer can choose the best purchase offer. The respective used car dealer then makes the purchase contract and picks up the car.

The advantage of the ideally fast sale is of course a possibly lower price compared. After all, the used car dealer wants to earn something with the resale and therefore usually pays less than one end customer in private sales. For those who have little time and desire for long sales negotiations, this can still be interesting.

Nevertheless, you should not blindly leave the sale to the first-best portal. In a test of car buyers, the consumer portal “Finanztip” has found: There are very large price ranges in the offered cars – who does not look closely, so can sell his car too cheap. And also with the conditions and with the small print one should look carefully.

Trap: cancellation fee

Before you decide for a sale by platform, look at the conditions of the providers very carefully. Sometimes it can be expensive if a sale does not materialize. Some vendors charge a cancellation fee of up to € 150 if the vendor changes his mind and does not sell at the minimum price.

China opens its car market

For five years, it had announced the Chinese government, but now it actually happens: China is opening its car market to foreign manufacturers and lifting the pressure for domestic companies to do so. So far, international car companies are forced to cooperate with a Chinese partner, who gets thereby insights into their technology.

According to the National Development and Reform Commission, foreign manufacturers will be allowed to operate on electric and hybrid vehicles as early as this year. By 2020, the commercial vehicle market is to be opened and by 2022 the entire passenger car sector will be opened. Since 1994, foreign manufacturers in China have had to work with local partners and have a maximum of 50 percent ownership of the joint venture. And often not even that: Audi, for example, maintains a joint venture with the state-owned carmaker FAW in northern China: 60 percent of the shares are owned by the Chinese.

The foreign manufacturers have so far bowed to the compulsion to so-called joint ventures in order to gain access to the since 2009 largest car market in the world. In 2017, 24.8 million cars were sold in China; American, European, Japanese and Korean brands had a share of 55 percent. Meanwhile, Chinese brands are almost on par with electric cars. Geely, for example – which owns the Swedish Volvo brand and recently became the largest shareholder in Daimler AG at almost ten percent – and BYD Auto. The state-owned Dongfeng Group recently bought 14 percent of the shares of the French manufacturer Peugeot Citroën.

That may be one reason why China’s President Xi Jinping declared an early opening last week. Observers suspect that the opening will fuel the development of electric cars that the Beijing regime is relying on. Bernhard Mattes, top German car lobbyist, welcomed the plans of the leadership in Beijing. “China’s announcement is an important step towards more open markets and a clear sign of free competition, and China should continue on this path of opening its own market.”

The limited market access in China and the outflow of knowledge there are issues in the trade dispute that fueled US President Donald Trump. In Germany, too, one sees the problem, but has so far behaved diplomatically: yet the flowing from China to Germany profits are too large, as that would argue about it. Above all, producers who have not yet been represented in China – such as Tesla – benefit from the abolition of forced cooperation.

The California electric car maker plans a plant in China. Even BMW could be beneficiaries: The Bavarian manufacturer wants to build the electric mini in China and had already largely agreed with the partner Great Wall. Otherwise, however, most western companies are bound to long-term contracts to partners and could use the new freedom for renegotiation if necessary. For example, the VW group, which now sells four out of ten vehicles in China, has the cars built in three joint ventures.

The joint venture with the state-owned manufacturer SAIC from Shanghai runs until 2035; VW is bound to FAW from northern China until 2041. The contracts for the latest joint venture, which VW had recently founded with JAC from Central China for the construction of electric cars, even foresee a cooperation until 2042.

Official rules are one thing – but there are also unwritten laws in China

The assessment at VW is correspondingly reserved. “We will analyze exactly whether this also results in new options for the Volkswagen Group and its brands,” said a company spokesman. “The existing joint ventures will not be affected.” Daimler is similarly overcast. “As we have always said, we are satisfied with our successful setup in China and with our partnerships, and we are, of course, closely monitoring the regulatory development,” states Stuttgart. Daimler cooperates in China above all with the Beijing state company BAIC.

And then there’s the informal need to work with a Chinese company. Officially you do not have to cooperate in many industries, but if you do not do it, the business can be damaged. The chip manufacturer Infineon, for example, founded a joint venture with the VW partner SAIC a few weeks ago to manufacture so-called power modules for electric cars. The know-how comes entirely from Germany, but Infineon shares the profits. Why? The Chinese should act as a door opener and reduce the cost of purchasing, moreover, state companies easily get loans, and the acquisition of building land is then no problem. Without state partners, this can be difficult – despite all the promises of reform.

The silent increase of the car tax is an absurdity

Traffic policy The clandestine increase in the car tax is an absurdity

Image result for car taxThe Federal Ministry of Transport has been run by a CSU minister for almost ten years. That is first of all a statement. However, if one looks at the political impulses emanating from this important ministry, one might wonder whether it was a good idea to entrust a house responsible for the entire transport infrastructure of the country to the representatives of a Bavarian regional party , Since then you can be celebrated for any bypass that is built from federal funds in Bavaria, but for a positive current account that is not enough.

The best example is Alexander Dobrindt. His assessment as Minister of Transport is bad. For one thing, Dobrindt’s name will forever be tied to the inefficient car toll that is unlikely to come in the face of the EU’s pressure on climate change. On the other hand, Dobrindt’s memory of his lack of will to explain the diesel scandal and the completely inadequate activities in developing a nationwide charging infrastructure for electric cars are remembered. Had Dobrindt shown the same eagerness with which he acts as a political sniper in the grand coalition, Germany could be much further ahead.

Although his successor Andreas Scheuer has recognized that it could be detrimental to his further career if he is perceived in the diesel affair as Büttel of the auto industry, which is why he puts at least a strict attitude to the day. On the central question, however, which steps are needed to reduce the burden on the climate by car traffic (and thus to achieve the self-imposed climate targets of the EU) also has Scheuer apparently neither a plan nor the will to take drastic measures.

This shows the political inactivity of the motor vehicle tax. The lack of public communication on this subject is in many ways an absurdity. Because here a tax is secretly increased significantly, without that there would ever be a discussion. At the same time, additional burdens on citizens have always been a sensitive issue. Anyone who remembers the dislocations that the CSU has just made to reassure the citizens of the car toll they had dumped would be relieved elsewhere, can only be surprised at the silence in the car tax.

It leads to the fact that until today hardly anyone knows that he has to pay significantly more tax from September, if he buys and approves a new car. And as an automatic result of the new emissions test. Because of the stricter, most vehicles will result in higher gas mileage and thus a higher CO₂ value – and this will affect the tax. It may be argued that these are relatively small amounts. But who so far has paid, for example, 100 euros car tax per year and in the future for a new car of the same type must pay 150 euros, for that is a tax increase of a whopping 50 percent.

The federal government simply sacks the extra money

And what does the minister responsible for traffic, Scheuer? Nothing. The Confederation simply sacks the extra money, and that’s no small change. Car expert Ferdinand Dudenhöffer estimates that over the next 15 years, until all of today’s vehicle fleet has been replaced, the stricter limit values ​​will add 2.5 billion euros per year to the federal treasury.

Quite apart from the fact that there is no political debate on whether and how this money could be earmarked for transport, Scheuer would have had to take advantage of the stricter test cycle to support the goal of this tightening with national own measures. Instead of simply allowing everything to continue as before, the federal government could, for example, have changed the method of calculating the tax, with the aim of relieving the owners of fuel-efficient small cars and proving gas-guzzlers with significantly higher rates.

Even better would have been a radical rearrangement. Experts like Dudenhöffer have long been proposing to completely abolish the car tax and instead tilt the tax advantage for diesel. That would give the state roughly the same revenue, but would make sure that the one who drives more (and thus more stressful) pays more. But that has been the misery of transport policy for many years: it just makes things happen.

Cancel car insurance? That’s right!

Related imageCar insurance can be terminated in time for the end of the insurance year. As a rule, insurance contracts run until 31 December of each year.

Due to a usual notice period of one month, this means that a regular notice must be received by the insurer by 30 November so that the contract can be terminated by the last day of the year. If the 30th of November falls on a Sunday or public holiday, it is sufficient if the cancellation of the insurance company is due by 1 December.

Check contract term

Insurers are increasingly setting the date of the conclusion of a contract as the respective termination date. For this reason, you should not simply start from the deadline of 30th November, but you should definitely check your contract to the contrary.

The notice period of one month usually also exists in such cases, so that the termination date is once again one month earlier.

For a successful cancellation in due time, the notice of termination must have been received by the insurance company by the respective deadline. The postmark with the corresponding date is therefore not sufficient to maintain the deadline. If you want to be sure, you should send the notice a few days in advance. Even if the insurance company is informed much earlier about the intention to terminate, the insurance contract ends at the regular end of the contract period.

Consider discount protection

By switching to a cheaper car insurance you can sometimes save a lot of money. However, if you have agreed a rebate protection under your current policy, you should carefully recalculate.

A discount protection prevents you from becoming a more expensive damage-free class after a claim. However, this agreement only applies to your current insurance.

In case of a change, the new provider does not take over this special classification, but is based on your actual damage-free class. This can lead to your new theoretically cheaper car insurance ultimately cost significantly more than the old with discount protection.

If you miss the deadline for canceling your car insurance or want to terminate the contract sooner, you may be able to terminate the contract extraordinarily. For a special right of termination is required.

Expiry of the termination

Even if the deadline and the notice period can lead to a deadline, you should have already organized everything for your new insurance before the termination. This not only means that you have found your new provider and the desired insurance by car insurance comparison, but also that the insurer has already confirmed to you the new insurance contract.

For motor insurance, there is no compulsory finalization. This means that an insurer may reject you as a customer. If you have already terminated your old insurance then you could at worst be temporarily without insurance coverage and should not use your vehicle.

Even if motor insurance usually only rejects a potential customer, for example, if they want to insure a particularly expensive or risky vehicle or if the insurance provider has terminated the insurance, you should still play it safe and sign a new contract before canceling have been assured of old insurance.

For this you apply for the desired new policy before the cancellation of your old insurance. You will receive the new insurance contract after it has successfully verified and accepted your application. Only when you hold the new contract for signature in your hands, the time has come for the insured insurance change.

If your new car insurance is secured, it goes to the termination. Unlike the change of the electricity provider, the insurance companies do not offer an exchange service. This means that you must carry out the termination yourself in any case and the work can not be removed from your future insurer.

Termination must be in writing and should include the following information:

  • Your complete name
  • Your insurance number
  • Specification of when to terminate
  • Your address and contact options
  • your signature

Other details, such as the current mileage or the type of your vehicle, are usually not required. You will find the required insurance number in your insurance contract and, as a rule, in the mail or e-mail traffic with your insurance company. Your indication of when to terminate is either the termination date (eg 31st December) or the phrase “timely at the earliest possible time”.

The change is especially convenient for you with our notice letter generator. All you have to do is enter your details and send the downloaded notice.

Car insurance: termination notice generator

With this generator you can easily generate a cancellation for your car insurance:

  • Enter your data.
  • Select your car insurance. The address will be added automatically for you. If your insurer does not exist, you can enter the data manually.
  • Enter the number of your insurance policy and your license plate number.

Then you can download your letter of termination as a PDF and print it out.

Own address

first given name Surname road Post Code place of residence

Address of the insurance company

insurance provider insurer road Post Code place Insurance Certificate No. License number Event of Default Termination of the contract Special right of termination: premium increase Special right of termination: damage Date of contract expiry Download termination
Find cheap car rates now Find cheap car rates now Download termination

Shipping by registered letter with acknowledgment of receipt

Your termination should be sent as a registered letter with acknowledgment of receipt. This will give you a written confirmation of when your cancellation was received. Should the disputes with the insurance arise later regarding the observance of the notice period, you can prove your timely termination.

In addition, it is advisable to ask the insurance company in the letter of termination for a written confirmation of the notice of termination received.

The expiration of a proper termination of your car insurance should look like this:

  1. Compare car insurance and discover saving potential
  2. Check the notice period / date of the existing policy
    • Frequent termination date: December 31st
    • at special right of termination at any time
    • Notice of termination 1 month
  3. Apply for new car insurance and wait for confirmation
    Old insurance does not terminate without confirmed new insurance
  4. Cancel old car insurance
    • Full name
    • insurance number
    • Specification of when to terminate
    • Address and contact options
    • signature
    • Cancellation by registered mail with return receipt by mail
  5. Complete new insurance
    Sign and send the insurance contract

Special right

Under certain conditions, you can also terminate your contract extraordinarily in the current contract year. You have a special right of termination in the following cases:

increase in contributions

If your car insurance makes a price increase, you will receive a special right of termination with a notice period of one month. The period begins with the time at which you are informed about the price increase. In most cases, this is the day on which you received the appropriate letter or invoice from your insurance company.

Indirect price increase

Not all price increases are always the same. Even if the insurance contribution is unchanged, it may be that the vehicle was classified in a cheaper regional class or the insured person in a lower harmless class.

Then the contribution should have actually sink. If the benefit did not exist, it would also be a price increase in such cases.

After a price increase, the insured can cancel within one month extraordinarily. The price increase should be mentioned as reason for termination. The termination must be received one month after the announcement of the price increase in the insurance.

It is advisable that you do not specify an exact date as the termination date, but the “next possible time” to avoid a faulty date and thus an ineffective termination.

case of damage

Even after an accident – regardless of whether the insurance company has paid or has refused the damage – you can terminate the contract extraordinarily. Again, a special right of termination applies with a notice period of one month. The start of the period is the time at which the insurance company has decided to settle the claim.

The termination should be done at “the earliest possible date” and the reason given is “the regulated damage”.

vehicle change

Another event for which you can claim a special right of termination is when you change your vehicle. In this case, you can cancel your car insurance within a one-month period. As a reason you indicate in your notice the “vehicle change” and as an appointment the “next possible time”.

move

With a move, there is only the possibility of an extraordinary termination, if the vehicle at the old place of residence and the new registered. Whoever moves within the same admission area, receives no special right of termination. Again, you should have the notice of termination at “the earliest possible date” and indicate as a reason the “change of registration area”.

Even if you want to make short-term use of your special right of termination, you should have already been assured of your new car insurance. An exception is only the unsigned deregistration of a vehicle, if you do not want to run a vehicle in the future or temporarily.

By the deregistration of your vehicle, the insurance contract automatically expires. A termination on your part is therefore not required. If the insured vehicle owner has died, it is sufficient to inform the insurance company about this fact. A formal notice is not required.

Possible problem cases at termination

After you have sent the termination of your car insurance, it may happen that the insurer rejects your termination. However, this can only happen if, for example, you did not want to terminate the contract on time or extraordinarily without a corresponding special termination right.

In the case of a denial of termination, you should carefully examine what the reasons were.

  • If the notice period has not been observed by you, you can not resign until the earliest possible date at the end of the insurance year or in the event of a special termination right occurring.
  • If your cancellation letter was incomplete or ineffective for other reasons and the insurance was rejected before the end of your notice period, you can immediately start a new attempt with a corrected letter.
  • If you have complied with all deadlines and rules, so that the reason for rejecting your notice is not obvious, you should contact your insurance and ask. If the case can not be satisfactorily resolved, you can seek legal assistance or contact the Insurance Ombudsman as a free dispute resolution body.

If the old insurer accepts your termination and your new car insurance has not yet been guaranteed, it can even happen in the worst case that you are rejected by your new insurer as a customer. If possible, this case should be excluded from the outset, so that you do not suddenly end up without any insurance cover. However, if it has occurred, it is necessary to find a new insurer.

Meanwhile, you should find out why you have been turned down as a customer. For example, some providers insure only certain vehicles or customers from certain regions. Even if your Schufa information is negative, an insurer can reject you.

While you probably only have to select an alternative provider for the first two reasons, the negative information from Schufa can present you with bigger challenges. Ask the Schufa for your personal information and try to correct the negative entries.

Special case: Insurance terminates the policyholder

If you have to change your car insurance involuntarily because your old insurer has terminated the contract, finding a new insurance can be complicated. Such a termination by the insurance can be done, for example, if a customer has caused particularly high or high damage.

If an insurance policy wants to terminate the policyholder, it must also comply with deadlines and dates. Ordinary termination may take place at the end of the insurance year or at the end of the calendar year or at the end of an agreed contract period with a notice period of one month.

Extraordinarily, the insurance can terminate in the event of damage. In this case also applies a period of notice of one month from the settlement of claims.

If the cancellation of your insurance has come to you, you must seek a new provider. However, this can be difficult because when applying for a new insurance, you must state that the insurance has terminated you. This may prevent the new provider from accepting you as a customer.

However, you still have two alternatives after receiving the termination of your provider:

  • Termination reversal : First, you can try to achieve a reversal of termination. However, this will only happen if your insurance agrees. In the event of a cancellation reversal, the customer may terminate before the cancellation of the insurance becomes effective. So he can indicate to a potential new provider that he himself has terminated the contract. This significantly improves the prospects for new car insurance.

  • Contract rehabilitation : Another possibility to react to the termination by the motor vehicle insurer is the offer of a contract rehabilitation. In this case, for example, a deductible can be set up or increased so that the insured person becomes more interesting again as a customer. Other options may be to forego certain services in the future in order to be able to continue the contract.

If you want to cancel your car insurance, you should clarify these two options. In both cases, you might find it much easier to find a new car insurance later.

When does the car insurance not pay?

Image result for car insuranceThe only car insurance, without which nothing works in Germany, is the motor vehicle liability insurance. Without them you can not officially register your vehicle, it is a prerequisite and not without reason. This insurance is the vehicle itself, not you as a driver or owner. It will pay if you have caused a traffic accident and are obliged to pay compensation to the accident victim. This ensures that accident victims in any case have a way to enforce their claims.

Reasons why a car insurance does not provide are:

  • Lack of coverage : There are various differences between the policies of individual insurance companies in comprehensive insurance.
  • Accident requirements : The conditions also differ when it comes to whether damage was caused by “negligent” or “gross negligence”.
  • Too Late Accident Report : Normally, in the case of a traffic accident, the period of seven days from the date of the accident applies. If deaths are related, it must be reported to the insurance within 48 hours. Of course, there are also cases where the regulation simply goes on and new facts, blame and the like always new facts arise and the thing is abducted. So it is not enough to send the insurance company all necessary documents and documents and let them do the rest. Rather, you should constantly inquire and get informed about the current state of processing and state of affairs.

Services excluded in the insurance contract

In general, car insurance is the policy that includes the most exclusions. The insurance then lists cases where you are not required to reimburse or limit coverage. Statistically, however, many benefits can be attributed simply to breaches of duty.

The insurance company argues to you that you have breached (pre-) contractual obligations or that you did not act in accordance with the contract in the accident, whereupon it refuses or reduces benefits. Especially with the reform of the Insurance Contract Act of 2008, legal regulations have explicitly entered into force, which you should definitely observe.

The risk is that the insurance company will not pay after a car accident. But how is that possible?

The fact that car insurance does not pay can be allowed, despite ignorance of essential contractual points. Because of the already mentioned reform of the insurance contract law of 2008, it comes to the fact that the insurer must hand over to you all contract documents. Whether you actually read or notice them has virtually no meaning. They therefore also apply if, for example, you claim that during the counseling session, these or those points came up and now the refusal of performance results.

However, the consultation must be documented, you can claim for damages if not comprehensively or even incorrectly advised. However, the “all-or-nothing” principle no longer applies, so the insurance company can not necessarily refuse to pay because you acted negligently. Simply negligent behavior therefore has no effect when it comes to breaches of duty. Now applies a grading, according to which there is a quota system for the reimbursement of “gross negligence”. However, if you act intentionally, performance may be completely denied.

The following cases show by way of example, when the motor insurance does not or only partially.

TÜV overdue If you drive a vehicle without a valid TÜV, this may also cost the insurance cover: Especially if you know of a defect, you endanger not only yourself but also other road users. But even in the event that you lead a car without a valid TÜV, can already constitute a slight negligence – and lead to a reduction in the insurance participation in case of damage.
Kissing in the car / at the wheel It is grossly negligent, however, if you are kissed by the passenger while driving and in the course of which cause an accident. The Landesgericht Saarbrücken decided in 2012 that this tenderness can be compared to the grossly negligent behavior of an alcoholic driver during the journey.
Alcohol at the wheel A clear case is drunk driving: If you get drunk behind the wheel, you lose your insurance cover. Although the damage is paid to the accident opponent, but then also the drunk driver of his car insurance in recourse. In addition, the protection expires in illegal car racing or if you sit without a handlebar authorization on the steering wheel.
Mobile phone operated while driving / telephoning at the wheel If you need to take your mobile phone into your own hands, you must not use it while driving for communication – this also applies to SMS. Also pushing away a caller is not allowed. If you cause an accident with the mobile phone at the wheel, pay the liability insurance. In the case of a comprehensive insurance, on the other hand, you will remain completely on top of the costs if you are guilty of gross negligence. Even if you are guiltless, it may be that you are partly to blame.
Brakes for an animal A ruling by the Federal Supreme Court in 1991 indicates that the insurance must cover the damage if you evade a deer and subsequently cause an accident. Small animals, on the other hand, are regarded less as a reason – at least outside the village – to suddenly brake.
Car was stolen without activated immobilizer If the vehicle has been damaged or stolen, and there was no immobilizer in place or activated, some insurance companies deduct around 10 percent of their performance. It is different with activated immobilizer: According to a judgment of the Higher Regional Court Karlsruhe of 1991, the insurance must pay even if a car with immobilizer has been stolen. Since an immobilizer makes the theft much more difficult, the insurance occasionally assumes a fake deed – but there must be specific evidence for it so that the company can refuse to settle the claim.
Radio operated while driving The comprehensive insurance may not refuse the replacement for “gross negligence” if you operate your radio and therefore cause an accident – at least not if the traffic situation required no increased attention.
Barefoot / driving with flip flops Basically, it is not forbidden to drive a car without sturdy shoes. However, if you wear flip-flop while driving and cause an accident that can prove that the loose footwear is responsible, the insurance company will at least partially refuse the payment. The same applies if you drive barefoot.
Worn tires did not change If the payment is also governed by gross negligence in the policy, insurance companies must at least partially pay for the damage. However, if an accident was not caused by vehicle defects, full payment may be required even if the tires are worn. This case occurred when a man lost control over his vehicle when driving over a 25 centimeter deep puddle and it came to the accident. According to an expert’s report, the accident could not have been avoided by the depth of the water even with “correct tread depth”. The Higher Regional Court Koblenz was of the same opinion and condemned the insurance for payment.
Car door open inadvertently If you open your car door and thus cause an accident, carry as a careless road user the main blame and remain sitting on your damage. In the case of an already half-opened door, which opens completely as a result of lack of adherence, both participating road users pay half of the costs if the accident opponent had previously ignored the open door previously.
Fueled incorrectly Not all insurance companies take over damage by incorrect refueling. According to a BGH judgment of 2003, at least legally, the comprehensive insurance does not have to bear the damage because it is an uncovered operating loss.
From the accident site fled Rider flight is not a trivial offense: According to §142 of the Criminal Code, this is either a significant fine or imprisonment of up to three years, as well as an additional entry in the driving fitness register and points in Flensburg. Depending on the seriousness of the case, in addition to a driving license withdrawal, the permanent withdrawal of the driving license may also be imminent. In addition, the insurance company can take the policyholder in regress.
Accident due to excessive speed / disregard of traffic rules If an accident occurred in which the policyholder has exceeded the applicable speed limit or violated traffic regulations, the insurance company can make recourse claims.

Many benefit exclusions are legally questionable

As you can see in the above list, even “minor” offenses lead to a power exclusion. For example, is it allowed to drive barefoot? Is driving with flip flops allowed? What are the consequences of being caught at the wheel with your mobile phone?

Well, the first two questions are relatively easy to answer. Because basically there is no legal requirement on which footwear you must necessarily wear when driving. Even if barefoot driving is allowed and therefore also driving a car with flip-flop shoes, this does not necessarily have to be recommended. Because that does not change the fact that you must continue to fulfill certain “due diligence” while driving. For example, if you are involved in an accident and it is determined by an appraiser that the accident is wholly or partly due to this “footwear”, this is equal to dereliction of duty. Are you allowed to drive cars while wearing flip flops? According to prevailing case law, such a thing is considered to be a “negligent act”, and all consequences are borne by it (see AG Speyer, judgment of 9 August 1957, Az. Cs 420/57).

If you use your mobile phone in the car or use the phone while driving, you risk a warning first. A penalty gets, who uses the mobile phone at the wheel. So you have to pay a fine if you operate your mobile phone at the wheel – regardless of a possible accident.

In case law, however, “use” is interpreted differently. In some cases, the mere “take in hand” of the cell phone has been fined. According to §23 Abs. 1a StVO is pure holding or passing no offense, as several higher regional courts noted. However, if you use the navigation device of the smartphone or press away calls, the courts set the same as the “use” and declare the fine for the misdemeanor as lawful.

The regulations for someone who wants to drive a drunk car are also interesting from the insurance point of view. For that reason, not only are most driving licenses withdrawn, but also some draconian penalties for the cause of the accident are due. The frequently mentioned petty limit of 0.5 per thousand has only limited significance here. First of all, it depends on how much blame you have as a driver and whether the accident could be prevented if you had not drunk alcohol. As you can see from the quota rule mentioned above, at least a percentage reduction in the obligation to pay should be lawful. In any case, you must carry your own personal damage. If 1.1 per thousand or more are proven, even threatens the complete refusal of insurance. According to the recommendations of the German Traffic Day, the performance in the comprehensive insurance is halved, if you can be proven a value between 0.5 and 1.1 per thousand. However, you must not equate the legal rules regarding misdemeanors and the like with the insurance law issues.

Exclusion of gross negligence does not always protect

Even if the insurance contract excludes the “objection of gross negligence”, it may lead to a refusal of performance. Many insurers rule out alcohol or drug-related damage in principle. Apart from that, the drunk driving from 1.1 per thousand for you also have very concrete consequences, because from this limit, the offense is fulfilled. Permanent driving license withdrawal or even imprisonment threaten.

Is the car insurance with another driver?

In practice, you know that you always owe your insurance company an indication of the drivers of the insured vehicle. Depending on the insurance occasional loans are not a problem, sometimes an additional fee is charged. However, usually a minimum age of 23 years is required, with some insurance companies exact details of the person and details of the duration of the loan are necessary. With regard to insurance coverage, however, this has little significance. Because both in the liability and in the comprehensive insurance, the insurance must be paid even if the accident was caused by a driver who was not registered in the insurance contract. Consequences threaten anyway, namely for the policyholder.

As soon as the insurance company becomes aware of it, it will send you a supplementary invoice. It asks you for the excess that you would have had to pay if you had indicated the correct driver from the start. In some cases, single-driver contracts can also result in fines equal to one year’s contribution. In practice, however, this point does not matter due to the difficult conditions of detection.

Car key lost: Does the insurance cover?

When keys are lost, problems are usually preprogrammed. Who owns this key and needs a replacement? How do I secure the house or garage in time? In practice, lost car keys cause headaches to many car owners. Because otherwise the vehicle can hardly be secured and, depending on the situation, rapid reaction is necessary. What does the insurance company do if car keys are lost?

Basically, you are contractually obliged to inform your car insurance company immediately about the loss of the key. And regardless of whether you could continue driving with a second key. According to prevailing case law, you act “grossly negligent” if you can not show the original key to your insurance company. If in doubt, you would run out of weight if the car is actually stolen and reappears later with massive damage.

How courts decide depends above all on the individual case. Leave only briefly from your key and this is stolen meanwhile, the insurance can still be liable to pay. The first contact is always the car insurance, because private liability insurance exclude company or car keys consistently. Even in comprehensive insurance it is not clear that key loss will be made. Make sure you pay attention to the performance coverage of your tariff.

This is what happens when the insurance company refuses to pay

You should assume that insurance companies know their own contracts exactly and every single case is checked. The chances that you will “come through” with minor minor damage, for example, are not necessarily high. In principle, the insurance company must explain and justify why it does not have to accept the reported insured event in its own opinion. In many cases, it is about form questions, that is, missing documents or, for example, inquiries about the accident.

First insurance reaction is not set in stone

So the first reaction of the insurance does not necessarily have to stop, but your commitment is required.

Depending on what amount of damage it is and what consequences threaten, worth the commission of a lawyer. Lawyers specializing in traffic law have completed additional training and call themselves “Specialist Lawyer for Traffic Law”.

Now you have to estimate what your actual chances of success really are. Not in any case worth the walk to the lawyer. Especially not if the amount in question is manageable. Because in most cases, traffic law cases are negotiated before the district court. There is no lawyer here, so you could theoretically defend yourself. However, it is not recommended, because in traffic law, there are various special cases and considerations that only a specialist can really overlook.

  1. First, make sure that you have sufficiently proven the damage. Workshop invoices in the original, expert opinion and the like are sufficient.
  2. Remind the insurance politely, but definitely to the “early settlement” of the claim. It is recommended that in this letter you reiterate the urgency of the payment and, if necessary, summarize the most important points that will benefit you.
  3. If the process continues and you receive no further information by telephone, it is worthwhile to call in the insurance-based complaints department. In practice, this has proven to be useful as files are then edited with higher priority.
  4. Does not help, you should recite the case of your legal expenses insurance and ask for reimbursement. In the situation you can turn to an experienced specialist lawyer for traffic law, part if necessary the legal way treads.

Accident victims have free expert choice

As an accident victim you have basically free choice, as far as the vehicle experts. This created as an independent entity a damage report. In practice, this also bills his performance directly to the opposing insurance company. For this reason, you should reject the offer of the insurance to take over the complete regulation together with the appraiser.

Digression: damage during loading and unloading

The situation is clear if you push your cart across the parking lot and cause a sheet metal damage. In this case the liability insurance is responsible. Since the damage is in no way related to your car, your car insurance has nothing to do with the matter. The situation is less clear when the shopping trolley sets itself up and damages another vehicle while you store your purchases in the trunk or in the interior of your car.

Basically, the motor insurance for damages that the insured inflicts when using the vehicle other road users. And in the opinion of the German Insurance Association (GDV), the vehicle is already in use in this situation. “The loading and unloading of a car by insured persons is part of the use of the car. The resulting damage will be replaced by the motor vehicle liability insurance, “said GDV spokeswoman Kathrin Jarosch to” Stiftung Warentest “.

However, Munich District Court saw the situation in a verdict announced earlier this year (Az .: 343 C 28512/12) differently. In that case, a motorist had parked his cart next to his trunk on sloping ground to load it with crates. The shopping cart rolled away and damaged a strange vehicle. In contrast to the GDV, the judges believed that the rolling cart “had nothing to do with the typical dangers of moving a motor vehicle.” Rather, the insured did not ensure that the shopping cart was safely turned off and must therefore be responsible even for the damage. According to the judgment, the motor vehicle liability insurance must only take effect if an accident occurs during operation of a motor vehicle.

Leaving the parking lot can be considered an accident flight

If in doubt, you should inform in case of damage in the parking lot both your motor insurance and your liability insurance, advises Stiftung Warentest. Which of the two insurance companies is responsible, would then clarify. Incidentally, ignoring the damage is not only unfair, but also unlawful. Even if it is just a small sheet metal damage, it can be considered as an accident escape if you do not inform the injured party about the mishap. Thus, you commit a crime that can lead to corresponding consequences.

11 saving tips for novice drivers in car insurance

Related imageThe first car plays an important role in the lives of many people. In most cases mobility, independence and growing up are combined. The first car insurance, however, is often not only in good memory, because novice drivers usually pay high contributions.

This is because driver newcomers are inexperienced and statistically more likely to incur accidents themselves. As a result, they are generally classified into particularly low claims-free classes such as SF0 or SF½, which in some cases have an insurance contribution of up to 240 percent. In these price regions, up to € 1,000 in annual contributions can easily be paid. The path to more favorable claims-free classes usually lasts up to three years, when in the meantime no self-inflicted accidents had to be regulated.

But maximum premiums can be avoided in many cases and the long-term path to an attractive no-claims discount be shortened. The following eleven tips can help novice drivers to start as cheaply as possible.

Second car policy

A relatively easy way for novice drivers to a cheaper insured vehicle leads via a Zweitwagenreglung. In this case, the vehicle of a beginner driver by a third party – for example, parents, grandparents or partners – as a second car mitversichert. In this way, the expensive beginner driver insurance can be avoided, because the second car can be insured by a more experienced motorist and thus in a lower harmless class.

Some insurance companies even offer to insure the second car in the same claim-free class as the first car. Thus, the insurance contributions can be kept particularly low. Compared to insurance premiums in SF class 0 or ½, more than half of the insurance costs can often be saved.

SF class considers both damage classes

If a second car is insured in the same claim-free category as the first car, the accident statistics of both vehicles often also affect the common SF class. This would mean that a self-inflicted accident with the second car leads to an upgrade of the damage classes for second and first cars and vice versa.

It may therefore make sense to accept a slightly more expensive SF class for the second car, but to get a classification independent of the first vehicle or to look for another insurer for the second car, which separates the vehicles by contract.

In addition, it is important to make sure in a second car insurance that the novice driver may drive the vehicle. Numerous tariffs for second cars assume that only persons over the age of 24 are allowed to drive the car. Should younger novice drivers use the vehicle, another insurance must be chosen.

However, this does not mean that the car insurance for the first vehicle must be changed. A second car can also be contracted with another insurer.

New drivers who insure their vehicle as a second car through another policyholder do not build up their own claim-free class. If you want to insure yourself later, you can not always take the SF class of the second car with you. If this is not possible, one’s own insurance career would start in the range of SF½.

However, the most expensive SF0 for novice drivers can be bypassed in any case if the second car has been driven for several years and the license has been obtained more than three years later. However, there are various ways to get non-breakthrough bonuses in order to get a higher rating.

advantages disadvantage
The most expensive SF class 0 can usually be bypassed completely SF class of the second car can not always be transmitted later
Lower insurance premiums If the insurer couples first and second cars, both vehicles will be classified more expensive after an accident.
SF class of the second car can be transferred in some cases later to the first own insurance Second car often only available from the age of 24 years
  Only possible if another policyholder insures the vehicle instead of the beginner driver

Car with low type class

In addition to the discounts and surcharges in the indemnity classes, the vehicle to be insured also has a direct effect on the amount of insurance premiums. Vehicles are divided into so-called type classes. The lower the type class of a vehicle model, the lower the insurance premium.

Those who want to insure the first car as cheaply as possible and are not set to a special dream car, can specifically select a vehicle with a low type class to save.

Here are some example vehicles with low type classes (as of February 2016, information without guarantee):

model liability Comprehensive Teilkasko
Lada Niva 1.7i (59 KW) 12 11 11
Smart Fortwo (45 KW) 12 11 13
Fiat Seicento 0.9 (29 KW) 13 10 12
Mercedes A-Class (85 KW) 12 14 15
Citroen C3 1.4 (54 KW) 16 15 17

Good to know: Type classes for liability and comprehensive insurance

For motor vehicle liability insurance and comprehensive insurance, different type classes apply. For liability policies 16 type classes are applied, with full and partial coverage 25.

In liability insurance, the type class of a vehicle is mainly determined by the type of vehicle and the driving behavior of the users; the partial coverage covers unimpairable damage such as car theft, vehicle fires, glass damage or damage caused by natural hazards during classification. In fully comprehensive insurance, both are relevant.

The more frequently insurance costs are incurred for certain vehicles and the higher the amount of damage, the higher and more expensive the type class.

Basically, it can be assumed that small cars with weaker engines are cheaper insurable than large, heavily motorized sedans.

However, the image of a car also plays a role. Sporty small cars often reach high type classes despite their small size and a comparatively weak engine. This is because the vehicles give a sporty image: This makes them particularly popular with young people and at the same time more involved in accidents than classic small cars.

Drivers should therefore opt for lighter, smaller vehicles if car insurance is to be as cheap as possible. In some cases, the difference in insurance premiums between a low-grade vehicle and a higher-rated car is up to 500 percent.

advantages disadvantage
Cheaper insurance contribution Maybe not the “dream car”

Usually lower repair costs

 
Higher safety through less horsepower  
Usually lower purchase price  
Rarely affected by theft  

Limit the scope of insurance

Often the first car of novice drivers is not a particularly expensive vehicle. Anyone who has taken the advice to choose a low type class to heart and perhaps has resorted to a used vehicle in addition, can usually do without a fully comprehensive or partial coverage.

If the motor vehicle insurance is limited to the legally required liability insurance, the insurer only covers the damage caused to other vehicles, objects and people, but the insurance premium is significantly lower than the full and partial coverage. However, novice drivers who are traveling with a higher-priced vehicle should consider concluding an extended insurance coverage in the form of full or partial coverage.

advantages disadvantage
It is only the cheaper liability contribution Damage to your own vehicle must be borne by yourself
Insured persons can ascend in the SF class  

Deductible and workshop binding

Additional savings can be made by some contract details, which can lead to perks. Good examples of this are deductibles and workshop loyalty.

When agreeing on a deductible , also called deductible, the insurers reduce the contributions. Depending on how high the deductible is set up, the contribution decreases significantly. However, the insured person then has to bear a corresponding part of the costs for each claim.

A second possibility lies in the agreement of a workshop binding . Kasko customers may only have their repaired damages repaired in certain repairers’ designated repair shops. Although the way to the workshop can sometimes be a little bit longer, the customer with workshop loyalty can get up to 20 percent discount.

Prepay and save

If you want to save extra money, you can select “payment in advance” as a payment method. Many insurers are rewarding the upfront payment with a discount of up to five percent.

advantages disadvantage
Lower insurance contributions through workshop loyalty No free workshop option
Lower insurance premiums due to deductible The insured person must bear part of the costs in each case of damage
Lower insurance premiums by advance payment Total annual premium due in advance in one go

Drive a little and carefully

Beginner drivers are classified according to two criteria:

  • Duration of driving license ownership: If you are in possession of a driving license for more than three years, you can already be classified in the damage-free class ½ and you do not have to go through the particularly expensive SF0.
  • Time as a policyholder without self-inflicted accidents : Because even those who have a driver’s license for many years, but was not self-insured, begins with the conclusion of their own motor insurance in the SF½ and rises only after a year without self-inflicted accident in the cheaper SF1 on.

Good to know: age rather insignificant

The age of the novice driver plays a minor role. However, some insurance companies offer discounts if a vehicle is only driven by persons over the age of 24 years. This can also benefit older novice drivers.

The classification of a novice driver according to the above criteria opens the possibility for newcomers to the license to self-insure themselves after they have a driving license for three years. Although the most expensive non-payment class can be circumvented, the novice driver does not set up his own no-claims discount during this time. If the vehicle of the novice driver is co-insured as the second car of another person, the experienced discounts can not always be transferred to a subsequent own insurance.

Anyone who does not have the opportunity to insure the vehicle over a person other than a second car and drive their own vehicle, must therefore self-assure. After three years, if the insured is no longer considered a new driver’s license and has been accident-free then beckons the SF3. However, with this option, you need to be extra careful, as a single self-inflicted accident can lead to a downgrade to the most expensive malus class. From there, the path to the no-claims discount begins again.

If you want to exclude this with certainty, you would have to insure your own vehicle without using it. However, this is probably not a realistic option for the least.

Use discounts

Some insurance companies also reward the special commitment of young novice drivers with a discount.

  • Fahrsicherheitstraining
    There are policies that reward a completed driving safety training in the form of a discount. Whether the costs for training pay off due to the reduced insurance contribution must be checked individually.
  • Accompanied driving
    Drivers new to the license, who received their driving license at the age of 17 and subsequently regularly accompanied, can use this argument to negotiate a discount.
  • Subscription cards
    Furthermore, many insurers consider an existing subscription card of public transport or a train-card: With existing subscriptions so smaller discounts can wave in the car insurance.

family insurance

As in the case of the second car regulation, the vehicle of a novice driver can also be co-insured by the parents as part of a family insurance policy. If several vehicles of a family are registered with an insurance company, the high punitive sentences usually fall into the lowest claims-free classes.

The disadvantage is again that co-insured novice drivers do not set up their own no-claims discount. However, it is often possible to transfer an initially family-insured vehicle with the same insurer later to a new policy of the now-novice beginner.

advantages disadvantage
The most expensive SF classes are bypassed Later, the SF class of the family-insured vehicle can not always be transferred to a new policy
Lower insurance premiums Only if parents agree to family insurance
Later, the SF class of the vehicle can often be transferred to the first own insurance with the same insurer  

Few drivers per car

If the vehicle of a beginner driver is insured, the keeper may be entered as the sole driver or together with a very limited number of other named drivers. This can lead to contributions.

The big disadvantage is that no other people are allowed to move the vehicle. If this is contravened, the insurance company can subsequently claim back the contributions that were previously saved by the limited number of drivers. In addition, insurers often charge a contractual penalty, which may include a full annual contribution.

Percentage of relatives / family members

If you have relatives who have accumulated a no-claims discount, you can get these price advantages. In doing so, the original owner of the discount cedes it and no longer benefits from the benefits.

For example, this procedure may be useful if the grandparents want to stop driving and another family member is interested in the discount.

Not always transferable every year

It can only be transmitted as many years as the recipient also has a driver’s license. A beginner driver, who has a driver’s license for three years, can receive a maximum of SF3 transferred accordingly. The remaining claims of the discount donor expire. Further information on the subject of non-pecuniary discount and the transfer of such claims can be found here.

Use semi-annual regulation

A small but sometimes very relevant fineness brings the system of damage classes for novice drivers and newly insured in general with it: A higher no claims class will only be achieved if the vehicle was approved in the current year six months on the person and insured accordingly.

If you take out motor insurance after July 1, you will not be upgraded at the end of the year and your accident-free months will be lost. However, some insurers offer to backdate the start of the contract into the first half of the year if the contract was concluded in the second half of the year. Then, however, the contributions must be paid retroactively. The later upgrade at the end of the year, however, usually more than offsets this investment.

compare insurances

In all the tangle of damage classes and discounts novice drivers should not forget the basic tip for a cheap car insurance: Compare offers! The price differences between the individual providers of motor insurance are often very large.

In addition, the market is constantly in motion, so that a formerly cheaper provider after a few years or even months may only offer a mediocre price-performance ratio. With a car insurance comparison, you can get an up-to-date overview of the cheapest and most powerful car insurance.

If you also take into account some of the saving tips listed here, you can be sure that you have taken advantage of all possible benefits.

Special features for novice drivers

In addition to the regulations of insurers for novice drivers, there are also a few special statutory provisions. Although these do not affect the price of car insurance, they should not be forgotten.

In Germany, for novice drivers within the two-year probationary period, the zero-promissory limit applies. In addition, probationers who are in debt to an accident and commit a so-called A-crime must hand in the driver’s license and take part in an inspection. Both measures are intended to help novice drivers in their first year of driving license to make the right decisions in road traffic.

Car insurance comparison

Related imageWhy is the insurance comparison useful?

Every insurance company rates you, ie your vehicle, the years without damage and you as a driver differently. Accordingly, more or less large price differences are part of everyday life when comparing car insurance. In addition, there are in many cases different levels of deductibles that can be selected and reduce the premium.

Last but not least novice drivers should use the comparison in order to rummage through the tariff details of the individual companies. Some insurance offers discounts on driving safety training, many a discount saver from the age of 23 or 25 years.

Does the liability insurance have to be completed in any case?

Yes, because according to § 1 compulsory insurance law (PflVG) you have to prove the admission insurance coverage with a certain minimum amount. You will also be spoiled for choice here, because thanks to the obligation to contract, every insurance company must accept your claim for liability insurance.

There are exceptions only at termination by the insurance itself, after a damage has occurred. Or if it was pronounced after a continuous premium delay.

What should be considered when changing insurance?

The general termination date for the motor insurance is 31.12. one year. The termination must be done with one month’s notice, ie until 30.11. one year at the insurer. More about this can be found in our tips for termination.

Can I benefit from special rates?

The fact is that retirees and novice drivers in particular are an increased risk for insurance companies. You will therefore have to expect to have to pay a premium premium to the premium. Of course, things look different with many insurance years without damage – that is, when a high non-pecuniary discount applies.

There are special rates in the form for employees in the public sector: Depending on insurance, ten to 30 percent discount is granted. In addition, farmers are among the privileged. If you are driving alone, there may be a single driver discount. The same applies to certain groups of users, that is, if they only carry certain people by car. In addition, a low annual mileage impact on the tariff.

When do I have insurance coverage?

By sending the electronic insurance confirmation (eVB) you have a provisional insurance commitment from your insurer. The insurance cover then begins with the submission of the electronic insurance confirmation (or the eVB Code) at the vehicle registration office and the registration of the vehicle.

What’s up with the eVB number?

The abbreviation stands for “electronic confirmation of insurance” and is valid as proof of a minimum cover in the motor vehicle liability insurance. You must present them whenever you first bring a vehicle or make changes to the vehicle itself.

Without the eVB number no approval can be given. It consists of seven characters, which can consist of numbers or letters. If you use the car insurance comparison, you will receive a provisional confirmation of insurance. It is only valid for six months, because only then does the final conclusion lead to a permanent eVB number. In the case of comprehensive insurance, there is no electronic confirmation of insurance in the form.

How do I get my eVB number?

If you apply for your car insurance via FinanceScout24 after the comparison, you will receive your eVB number from the selected insurer either by e-mail or by post.

Do already registered vehicles have to be re-registered when changing insurance with a new eVB number?

No, this is not necessary. Your data will be sent to the new insurer after you have submitted your application and you will receive an insurance certificate from the latter. The new insurer automatically sends a new eVB number to the Admission Board.

What exactly is the no-claims discount?

The principle here is that the longer you were insured without any damage, the higher your non-pecuniary discount would be. It is given in the form of the SF class. It has a meaning in liability and comprehensive insurance, but not in the partial coverage.

There is a certain contribution rate behind each SF class, and it varies from one society to another. How exactly it turns out, you can learn about the insurance conditions. In the meantime, SF classes up to SF 35 are calculated, as long-term statistical values ​​are assumed. KL 0 means that the license is less than three years old. SF ½ is accordingly the first real SF class, after that SF 1 is valid for a non-damaging year, etc.

Do I have insurance cover abroad?

Car insurance gives you insurance coverage in Europe and in the non-European areas mentioned on the green card for travel abroad.

What is the Green Card?

The Green Insurance Card helps with claims settlement in all countries and is also very helpful within the European Union.

You should always take the green insurance card with you when traveling in other European countries. The Green Card is required to be taken in Bosnia and Herzegovina, Latvia, Malta, Iceland, Albania, Bulgaria, Estonia, Macedonia, Poland, Romania and Ukraine. For Turkey, the green card is required. If you forget the map or the country code is not correctly listed, you have to take out a border insurance (this can be purchased in the competent Land border customs office).

Is the conclusion of an occupational accident insurance useful?

The conclusion of an occupational accident insurance is not necessarily recommended. In the event of an accident, all persons injured will be compensated by the liability insurance of the accident causer. In a self-inflicted accident, this also applies to the occupants of their own vehicle. Only the driver does not enjoy insurance coverage for a self-inflicted accident.

The only problem is therefore accidents where the question of guilt can not be clarified. However, private accident insurance with 24-hour coverage and a slightly higher premium offer the better benefits for this risk.

Is it correct that one should exclude full insurance after three years?

In general, this rule of thumb is correct, as comprehensive insurance is relatively expensive and the car has already lost considerable value after three years. However, with a high damage waiver discount in comprehensive insurance, a continuation over three years is still recommended.

What coverage is there in motor liability insurance?

The statutory minimum cover in motor vehicle liability insurance includes:

  • 7.5 million euros for personal injury
  • 1 million euros for property damage
  • 50,000 euros for financial losses

In practice, insurers usually offer cover of a flat rate of € 50 or € 100 million, with personal injury benefits usually limited to € 8 million per injured person. In the event of a loss event, insurances do not pay more than the insured sum agreed in your insurance contract. If higher claims are made against you, your private assets will be used. Particularly in the case of personal injury, which, for example, not only results in expensive medical treatment but also in life-long disability, can result in very high demands. For this reason, most motorists opt for higher coverage.

Is the car insurance tax deductible?

Yes, you can deduct the insurance tax – but only the statutory motor insurance. Unless they are business expenses or income-related expenses, the contributions actually paid are classified as special expenses. For trips to the workplace and other individual cases special regulations apply. Your tax adviser can tell you more about that.

What do you have to pay attention to when settling claims?

On the one hand it is about the driving readiness of the car. Whether the vehicle is ready to drive or not, can only judge an expert or the workshop. Unless it is roadworthy, there is usually the highest compensation. From the opinion of a car expert also results of the time (the purchase price of the car before the accident plus the VAT) and residual value (the selling price of the damaged car after the accident) of the car. The second value is deducted from the first and so the compensation amount is determined. The time value of older cars should be calculated without deduction of VAT (19 percent) because they are no longer available to buy in the car market.

When settling claims, the date of the first registration and the mileage of the vehicle also play an important role: If the car is not older than 5 years and its mileage is less than 100,000 km, the owner is entitled to compensation for the reduced value.