Car insurance: consult car policies – FOCUS Online

It is true that the car insurance market used to be clearer. And it is true that it is a bit tiring to keep running away from the conditions of the different companies in search of savings opportunities.


However, if you switch from the most expensive provider to the cheapest, you can save a few hundred euros a year on car insurance.

And even those who are already well off with a cheap insurer should, for example, take a closer look at the competition’s offers when buying a new car. Because, according to the experience of Elke Weidenbach, insurance expert at the North Rhine-Westphalia consumer center. “Usually it’s still possible to improve services for the same money.”

Anyone interested in a switch, however, should hurry: the deadline for rescission with the previous motor vehicle insurer is November 30 for most policies.

With car insurance, customers benefit from special termination rights

Some large service providers are now swimming against the tide and no longer slavishly sticking to the January 1 uniform change date. In these cases, the insurance year is no longer the calendar year, but an individually specified contract date, as in other policies. “Companies want to get away from this date because they regularly lose shares in the competition,” explains Andrea Heyer of the consumer advice center in Saxony. Regardless of the form of the contract, clients who miss their personal termination date are not in a lost position.

Apart from the usual termination period with the previous motor vehicle insurer (November 30), they benefit from various Special termination rights, for example when the insurance company increases contributions without improving benefits at the same time. “In this case, the customer has one month to give notice of termination,” says the expert Weidenbach. “The term runs from the day he receives the notification letter from the insurance company.”

Early departure from car insurance

Insured persons can also pull the opening rope if they unregister or turn off their vehicle. The insurance also ends when the car is sold. Additionally, after a claim, customers are free to turn their back on their insurer and switch to a competitor, regardless of whether and how the insurance company resolves the claim. Financial losses are not usually associated with such an exit: the law stipulates that Allianz and Co. must repay overpaid contributions. So if you have already contributed for the whole year, but you leave at the end of June, you can claim your contributions for the second semester.

The one exception: “Clients who stay with their insurer for less than a year should expect the insurance company to charge a special ‘short-term rate’ if the contract is terminated prematurely. These are usually more expensive. In such a constellation, defectors usually only get part of their money back,” says Weidenbach, a consumer advocate.

Discounts for second cars.

However, if you are thinking of changing, you should take a good look at the conditions of your preferred provider. That is not always easy. Societies do a lot to make it harder for customers to compare. While all insurers offer discounts for long periods of accident-free driving, conditions vary.

Some trap their customers with discounts for second cars, others advertise special conditions for women, parents, bank employees or public officials. Also new in the range are price reductions for novice drivers and low cost family fares. However, no one should be blinded by euphonious discount offers. Some companies already discount cheap offers from expensive companies with their normal rates. In many cases, the discounts are also linked to conditions: for example, the car can only be driven by the owner or the mileage is limited.

Policy quality control

Another shortcoming when it comes to changing: If you only look at the price, you risk a lot. The cheapest auto insurance can quickly become the most expensive option if benefits aren’t adequate in an emergency. “There are minimum standards by which no policy should fall,” says expert Weidenbach. While personal safety needs, the age of the car and personal driving style may also determine the rate choice for comprehensive insurance, the expert strongly recommends, for example, choosing the highest possible coverage for liability insurance. civil.

Therefore, the comparison calculator not only selects based on price, but also identifies particularly high-performance products with a seal of quality. It is essential for this award that the client receives coverage of 100 million euros for civil liability, that the insurance also pays for damages that occur with rental cars abroad (the so-called Mallorca policy) and that the insurance company also pay if the customer has caused damage by gross negligence.

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