Car insurance: What happens if you drive more kilometers than indicated?

The annual mileage is one of the most important details in the insurance contract. If it’s wrong, it can have costly consequences.

Anyone who buys new car insurance or changes providers knows the procedure: page by page, or seemingly endless. Online portal clicks – the insurance company wants to know details about the car, the driver and more. Home? Garage available? Married? Age of all drivers? Annual mileage?

Unlike some others, the last point sounds at least plausible: if you drive more, you have one increased risk of accident, and therefore has to pay a higher price. On the other hand, infrequent drivers can save money with liability and full rates. Of course, it’s tempting to estimate this figure fairly accurately, or even lower it a bit.

Better check it again: Odometer reading on used vehicles. (icon image)

© Imagebroker/Imago

Car insurance: What happens if you drive more kilometers than indicated?

However, this can end up being even more expensive. That is, if there is an accident and the insurance company notes incorrect information, if, for example, an expert examines the car. So the car owner is underinsured, and the supplier can pay the amount of damage on the comprehensive insurance. reject or reduce. If you pay the damages to the other party in the accident as part of your liability, you will claim at least part of the sum from the policyholder. A few hundred miles isn’t usually a problem, but false information above the four-digit range can have unpleasant consequences.

Tax tricks: How to save money on your tax return

Every year you report your income and expenses to the tax office with your tax return.  So that you don't give away money unnecessarily, we have some tips for you.
Every year you report your income and expenses to the tax office with your tax return. So that you don’t give away money unnecessarily, we have some tips for you. © MiS/Imago
Use flat rates, such as the commuter flat rate.  You can always indicate the latter, regardless of whether you come to work on foot or by car.  There are 35 cents per kilometer (as of 2022: 38 cents).
Use flat rates, such as the commuter flat rate. You can always indicate the latter, regardless of whether you come to work on foot or by car. There are 35 cents per kilometer (as of 2022: 38 cents). © Imago/Sabine Gudath
Taxes can also be saved with the home office flat rate of 5 euros per day (max. 600 euros per year).  Provided that the flat-rate IRPF bonus of 1,000 euros per year is exceeded.
Taxes can also be saved with the home office flat rate of 5 euros per day (max. 600 euros per year). Provided that the flat-rate IRPF bonus of 1,000 euros per year is exceeded. © Imago/Tanya Yatsenko
Even those who move to another city for work purposes can claim their relocation costs for tax purposes.
Even those who move to another city for work purposes can claim their relocation costs for tax purposes. © Vasily Pindyurin/Imago
Donations, like street collections, are recognized by the tax office as special expenses.
Donations, like street collections, are recognized by the tax office as special expenses. © MiS/Imago
did you know By the way, special expenses also include certain types of insurance, such as civil liability or Riester pensions.
did you know By the way, special expenses also include certain types of insurance, such as civil liability or Riester pensions. ©Panthermedia/Imago
Family care may also be tax deductible.
Family care may also be tax deductible. For example, care employees are entitled to a lump sum of 600 to 1,800 euros for the year 2021 (depending on the degree of care). © Ute Grabowsky/Imago
Fire brigade. Volunteering saves taxes.
Do you do volunteer work? So there are 840 euros a year left free of taxes and social security (as of 2022). © Martin Wagner/Imago
Tiler at work. Be sure to indicate the merchant’s costs on your tax return; this will save you money.
Be sure to indicate the merchant’s costs on your tax return; this will save you money. © IMAGO/Achim Duwentaester
Optician with glasses. The tax office takes into account medical costs, such as glasses, drugs and treatment costs, if they exceed the reasonable limit.
The tax office takes into account medical costs, such as glasses, drugs and treatment costs, if they exceed the reasonable limit. © Westend61/Imago

Car insurance: a few hundred kilometers does not matter

Therefore, an honest statement is important. But should you limit your mileage to get a cheaper rate? Most of the time it’s not worth it. Because insurance companies do not calculate exactly to the kilometer, but in ranges: 10,000, 15,000 or 20,000 kilometers a year are popular limits. It doesn’t matter if someone reports or drives 12,000 or 14,000 kilometers.

In addition, many car owners have long enjoyed a claim-free discount, so the difference between two mileage classes is practically negligible.

Auto insurance: Please report mileage changes

Important to know: Yes, perhaps due to a moving or a new job, the annual mileage changes, this must be reported to the insurance company. Of course, that can be a little more expensive, but vice versa, with fewer kilometers it can also be cheaper. (me)

List of rubrics: © Imagebroker/Imago

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