Tips for choosing the right car policy

If you are thinking about changing your vehicle insurance, you should carefully compare the premiums to be paid and not just look at the low percentages for claim-free years. Because with the reform of the no-claims classes, some insurers are introducing new discount scales for new contracts, explained the ADAC. Reduced percentages may not bring any savings if, for example, the basic premium of the policy is increased at the same time.

When choosing the right car insurance, you should pay attention to a few things. This includes that the sum insured should cover at least 50, even better 100 million euros. The legally prescribed amount is in no case sufficient.

The original price or purchase price compensation in the fully comprehensive insurance should be at least six months for total loss or theft. In good contracts, protection covers up to 24 months.

In the case of game damage, the partial coverage often only covers damage caused by wild animals such as deer or wild boar. However, some providers also cover marten bites or collisions with animals of all kinds.

Motorists should check how far they are downgraded after a claim - very cheap policies often have bad demotions.

Even in the case of gross negligence in causing damage in comprehensive insurance, a complete assumption of benefits should be contractually agreed. Excluded here are generally grossly negligent brought about theft (eg stuck key in the car) and driving under the influence of drugs or alcohol.

Workshop commitment should not be accepted for new and leased vehicles.

A discount protection ensures that motorists are not downgraded to a worse non-infringement class after damage.

Extended liability insurance coverage for accidents involving rental cars in other European countries should be included in the insurance conditions (Mallorca Police).

It is usually possible to change the motor vehicle insurer at the end of the calendar year, since most insurance contracts run from January 1 to December 31. The cancellation must then be received by the insurance company by November 30th at the latest. If the premium is increased, there is a special right of termination regardless of this date. (ampnet / nic)

Tip: Use our insurance calculator!

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