In 2016, it crashed more than 2.5 million times on German roads, the Federal Statistical Office estimates. Many accidents occur because the drivers behave incorrectly, for example if they ignore the right of way, are traveling too fast or are not keeping enough distance. If the police caught motorists, depending on the seriousness of their offense, a fine is due and they get points in their Verkehrsünderkartei . While these entries have so far played no role in car insurance, some providers now include the score in Flensburg in the calculation of contributions.
Car Insurance: Traffic offenders pay up to around a third more
In car insurance, the contributions are based on a variety of factors. Among other things, type and regional class as well as the kilometers driven have an impact on how many drivers pay for their car insurance. Meanwhile, some providers look at the new account of a contract on the points account in Flensburg. Customers who have entries in the file card then have to dig deeper than drivers without points. Depending on the offer, surcharges of up to 29 percent are possible , according to an analysis of a comparison portal. Under certain circumstances, insurers even refuse car owners with points.
Higher contributions could motivate racers for more security
Currently, only a few insurers charge a surcharge for customers with entries in the traffic offenders register. Sparkassen Direktversicherung, on the other hand, first asked how drivers feel when the points account would have an impact on car insurance premiums.
Twelve percent of respondents are interested and see the additional fine for racers as a possible motivation to adapt their driving behavior . Based on this motivation, Board member Dr. Jürgen Cramer the concept. “Anything that helps to make road traffic safer, to prevent accidents and, above all, personal injury, should, in our view, play a role in pricing for insurance rates,” he said. Around one in five participants and thus the majority perceives the principle as a double punishment for violations.
Reward for safe drivers: Telematics fares with discounts
According to the Sparkassen Direktversicherung, more than half of the participants in the survey agreed that exemplary drivers should be rewarded . Some car insurers already have a bonus for safe and predictive driving. Telematics tariffs are based on this principle. Motorists can monitor and record their journeys via an app or a telematics box in the car. Depending on how safe they are, their annual contribution may be reduced based on driving style. Some providers promise a saving of several hundred euros.
Whether these sums are realistic, is questionable. Thus, even with a cautious driving style, motorists sometimes do not reach the maximum bonus, as shown by a self-test by a financial test employee. The amount of the rebate is sometimes influenced by factors that make it difficult for drivers to work . For example, the bonus is reduced if the insured travel a lot in the city or when driving at night. Both increase the risk of accidents and thus lower the so-called score, which is decisive for the premium level. The lower this turns out, the lower the discount.