Get in and drive – that’s all you really want to worry about with a car. But if you do a little paperwork for your own vehicle, you can save a lot of money. Car insurance differs considerably in price. And not only there: insurance companies also often offer different services.
Switching insurance can pay off in a number of ways. If only because providers keep raising their rates at the turn of the year. If you want to drive cheaper and safer in the new year, you should keep an eye on November 30: if you cancel before this date, you can still change in the current year.
What should drivers consider when considering insurance?
The Verivox comparison portal has put together the crucial points that FOCUS Online documents here. These details are important:
amount of coverage
In auto liability insurance, the legislator prescribes the so-called minimum coverage. Every insurance policy – regardless of whether it is expensive or cheap – must pay at least up to 7.5 million euros for personal injury, up to 1.22 million euros for material damage and up to 50,000 euros for economic losses. What seems like a lot at first can quickly become scarce, especially when the insurer has to pay for costly operations, pain and suffering compensation, and lifetime pension payments after an accident. Motorists should therefore agree to a flat-rate cover of at least €100 million in motor vehicle liability insurance.
Anyone who fails to take the simplest considerations to avoid danger is grossly negligent. The insurer can then reduce benefits or deny them altogether. The following examples show how quickly gross negligence can occur: running a red light, using a mobile phone without a hands-free system, ignoring a stop sign, or driving too close. Therefore, a good motor vehicle policy includes a so-called “gross negligence defense waiver.”
A recommended addition to car insurance is so-called driver protection. This protects the driver of the car against financial damages if they have caused an accident. Otherwise, as the sole occupant, you cannot claim damages: if something happens to the passengers, the driver’s liability insurance kicks in; however, without the protection of the driver, he himself has no right to claim liability insurance from him. Although health insurance covers the costs of treatment, it does not cover any compensation for pain and suffering, lost income, or support payments to surviving dependents. Driver protection yes.
marten bites and wildlife accidents
Contrary to popular belief, damage caused by marten bites is generally not covered by the partial helmet, especially at the cheap basic rates. However, no motorist should do without this service. Very important: not only insure direct damage to lines and hoses, but also include consequential damage. These in particular can quickly run up costs in the five-digit range.
Vertebrate collisions are generally included in the collision damage waiver. Here it is important to make sure that the insurance cover not only includes fur game, but also “animals of all kinds”. The insurer also pays if, for example, a dog runs across the street and you cause an accident as a result.
The Mallorca policy is essential for vacationers who want to rent a car abroad. Increases the specific sums insured for each country in the German motor vehicle civil liability. Because the sums insured by foreign car rental companies are not always enough to cover all expenses after an accident. Without a Mallorca policy, the tourist has to pay the deficit out of his own pocket.
If you travel abroad with your own car, you should think about foreign damage protection. Each country has different levels of legal coverage. If not all costs are covered by the other party’s insurance after an accident, foreign damage protection covers the difference between the insurance benefit of the other party involved in the accident and the costs actually incurred.