Car Insurance : High savings for novice

Beginners can enjoy! Stiftung Warentest provides recently the reason: up to 3,000 euros savings in motor insurance waving a year anyone who wisely concludes his policies. But also for frequent drivers, ecological and negotiating artist financial advantages.

€3,000 For novice

According to the study in which 152 offers were evaluated by 74 auto insurers, are the highest savings in auto insurance for beginners. Who compares and completes a liability, as well as a partial cover insurance, can make up to 3,000 euros.

Several $100 savings

Not quite as high as for young car owners is the savings potential for frequent travellers, retirees, families and environmentally conscious driver, whose Fahrzeug accounted for less than 12 g / km CO2 emissions. They come from several 100 Euro discount in the best case.

Trend Internet

A recent Forsa poll shows also on behalf of the industry association BITKOM: the insured increasingly use the Internet to get an overview of the different offers of the car insurers. -9 Percent and thus twice as many people as in the previous year - completed online their contract. The tariff change mouse click is very popular by the way the 30-44 year-olds. Compare is fully in line with the trend. 31 Per cent of the insured find out online about new auto insurance and every seventh put his mark to bring a new insurance in place. Last year it was only every tenth person.

Tricks when changing

Who is happy actually with his current insurance, but has detected low rates for competitors, should negotiate. With some rhetorical skill, the original premium can be press if one carries the insurer the numbers and performance of the alternative provider in mind. Customers willing to change must comply with the notice period until 30 November. FinanceScout24.de helps the termination and also offers, comprehensive advice on finding a suitable car insurance.

Car Insurance : Investment consultation record can secure compensation claims

Have you ever checked on the basis of the consultation Protocol if an insurance broker has advised you correctly? That you should, because if in the event of damage, the insurance rejects the reimbursement, it is usually too late. Many policyholders underestimate the importance of the document and signed it in the consulting process after a flood of information rather absent-mindedly. Who however considered the form such as a headache product leaflet can walk into the trash unread, which is wrong.

A meticulously-run log in the insurance consulting can either protect from nasty surprises or secure the claim for damages. The latter must be enforced until legal action, should feel the customer wrongly advised and an omissions of the broker be detectable.

A good agent should bring not quickest possible trades, but the optimal insurance coverage give its customers with individual advice. He determined the situation, wishes, goals and the need for any interested parties. Usually, he documented all of this figures in the investment consultation record.

Black sheep

Customers should be nice if the mediator proposes, keeps the counseling part to skip them or giving them a waiver under the nose. Because even among insurance brokers, there is like everywhere - black sheep. To use nothing but is legal - consumer advocates but strongly discourage from. "Customers lose their entitlement to compensation", so Peter Grieble of the Verbraucherzentrale Baden-Württemberg.

When the "insured" occurs long thought to be paid and the insurance company refuses to pay, it is helpful if the policyholder the broker can prove that he has advised poorly or incorrectly. Only in this way he may assert claims for damages.

The car insurance customer plans, for example, a journey by car, the agencies in the framework of the consultation must ask the objectives. He omits that and sold a policy just for the EU area, he is responsible, when the policyholder in Turkey comes to harm. If the customer is able to prove the failure of the agent, he is on the safe side.

Clear advantages in the online consultation

Compared with the Treaty process with the broker, the online consulting option offers several advantages. The customer has at the outset the possibility of an independent comparison portal like FinanceScout24.de between many providers to choose. The first General input from the exact scope of the relevant insurance product to specify of the personal data, the user can monitor every step and hold itself by expression. So, he gets maximum transparency over the course of the consultation. Established broker is also the obligation to document the extent of personal advice, but this is often not as accurate as in online sales.

Who decides according to the objective comparison on FinanceScout24.de for an insurance policy, will receive an investment consultation record that lists all details, conditions and details of the Treaty at the conclusion of the contract. The customer should store well sorted and hand these documents to seek not long in the insured event.

Car Insurance : Cheap to insure several vehicles

The times, in which almost all households had only one car, long thing of the past. A personal and flexible mobility is self-evident for decades. When their children are of legal age, the number of household own vehicles is increasing rapidly. But also couples without children increasingly use one of two cars - for the work, the other about shopping and other errands. That wants to be optimally hedged - learn getting two or more vehicles optimal under a hat.

Second car

Old proven and with the car control is best known: two vehicles are available with the same provider in a joint police - with the car in its initial classification can be given mostly a better damage freedom class and thus a larger no-claims bonus. In addition, some insurers provide additional discounts on the second car.

This benefits many parents to cheaper to classify the car of her child. If the son or daughter would like to accept the insurance at some point, the damage category can be transmitted most easily. However, are here to note two stumbling blocks: guardian and child a relationship must be between first-degree - beyond the discount only at the height can be taken, "can learn how the child would have him since the receipt of the own driving itself". The driving licence is only a year old, a classification SF class 1 is possible so maximum even if about the father would have reached already SF class 10 with the second car.

Individual insurance

But not always drive with the second car control more affordable. Depending on the type of vehicle and insurance one comes away also times better circumstances when each vehicle with another provider is housed. Ultimately, it is always on the individual case. Therefore: Zweitwagen-or individual insurance - leads on the right track only a comprehensive comparison as many vendors and offerings.

Fleet insurance

There were until recently only for companies and self-employed persons who have a certain minimum amount of vehicles fleet or fleet insurance. Since October 2010 offer the ADAC and the Zurich insurance but a model to that of fleet insurance is very similar to: the family insurance. All vehicles of a household can be combined with an insurer - everyone gets his own police with "their own" damage freedom class here, everyone pays his own contribution and all have same contact person. The decisive advantage: More and more vehicles are insured, the lower is the classification, allowing savings of up to 12 percent per vehicle.

Change indicator

A "slimmed-down" version of the second car scheme is the introduction of the change indicators planned for 2011: up to three vehicles can be reduced almost in the guise of an insurer on a flag. Only for the each most expensive vehicle, insurance premiums and taxes will be charged. The idea in the Switzerland and Austria several years ago for the first time introduced originally stood the environment at the forefront, because only the vehicle with the "insured" indicator must be - moved thus one reason why this model rather represents an option for individuals who are in possession of several vehicles. In return rather an obstructive model, when the cars of kids cheap insurance should be. In addition less organic but rather economic interests in the foreground stood in Germany, as the change indicator for 2011 has been scheduled: after the decline of the automotive industry by eliminating the cash for clunkers, consumers should now be motivated to purchase a second.

Car Insurance : Car in the flood - what now?

Each flood disaster many cars "perish". But not always becomes a total loss. For very important people: Considered action! Fully comprehensive or partial cover insurance insured can have mountains while their vehicle in most cases and fully repaired - unauthorized moving of the vehicle from the scene of the accident can however significantly increase the damage or result in the loss of insurance coverage.

Practical advice for victims

Even if your vehicle is no longer available under water, you should try never to start the engine. The risk that water has entered into the engine what would cause to start a so-called "water hammer" is too big. The damage caused is many times greater than the minor damage caused by contact with water. Already the turning of the key in the ignition can cater for short circuits or extensive losses in the electronics of the vehicle. Even if the engine first starts, the oil mixed with water can cause a piston seizure or damage to the crankshaft.

Sand in the gears

The Central Association of German motor vehicle trade (ZDK) recommends that victims, to tow her car without starting attempt or their own repair efforts in the nearest garage and to seek advice there, whether is worth a "draining". This is first and foremost by the residual value before the flood off and the vehicle "submerged" was how deep. It is also of great importance, as polluted water was: in many places fine sand can accumulate in highly turbid water – especially in the engine compartment, these pads quickly lead to capital losses. For the Interior, there are professional methods to eliminate the water damage.

What does the insurance?

We have already mentioned the damages incurred through improper initiative – apart from Casco customers risk even their insurance coverage! The comprehensive insurance pays only damages resulting from direct exposure of the water or by natural forces on the car. These include all damages which are caused by "Washing away" of the vehicle or the vehicle reaches items. Also, any damage caused by the water itself, such as the Interior or the "sand in the gears" are applied.

If your car suffers an engine failure because you wanted to move it as mentioned above from the flood or after the flood, as it involves an "indirect" damage that therefore belongs to gross negligence. Here, your comprehensive insurance basically makes close the locks. The same applies if you try to drive through deep water or the car despite explicit flood risk has been in a flood-prone parking lot. Here, also any liability by the owner of the parking lot - is even if it is a rented garage or a hotel parking lot.

Car Insurance - Carnival: Foolishly Yes, but please not foolishly insured!

The Carnival and Carnival days a lavish celebration are available at the door, and with them. Costumes, parades and revelers people wherever the eye looks. But here are also many dangers. Who with mask or drink-driving is caught, discovered damage to the vehicle after a parade or caused an accident when moving or itself suffers, for joy is over quickly - especially if he is not sufficiently insured. We want to help you that you come well and safely through the holidays.

On Rosenmontag, are the streets celebrating re-filled his fool time millions of people with losers, masks, wigs and costumes - omitted and cavort in the processions and parades through the streets. At the latest since the parade in Duisburg love we know but that such major events a lot can go wrong.

Carnival parade: Directions and parking

Car owners should refrain rather with your vehicle by streets, where carnival parades take place - just in the Carnival stronghold here caution is Mainz, Düsseldorf or Cologne: who aims his car on the road or in the vicinity of a move, has bad cards on adequate compensation if the vehicle afterwards has been scratches, dents or other vandalism damage. It is almost impossible to identify the perpetrators or the, on the other hand also your Casco insurance is reluctant to pay full damage, because: the parking in a such danger is considered grossly negligent act.

And in other ways it can be uncomfortable: just when the streets are full of wild and rollicking mood, a regular parking can sometimes become an emergency escape route for emergency vehicles. If your car is towed away or comes to damage, because it is a rescue operation at the wrong time in the wrong place, it is really expensive. Even for heavy handicapped parking spaces, there is no special treatment during Carnival celebrations.

Mask at the wheel

Without necessarily wear masks or bulky costumes behind the wheel. These can significantly affect the vision, hearing and movement. What may sound like first terse, can carry far-reaching consequences: who is fully costumed in a police check, faces punishment at least ten euros, depending on the degree of negligence. Even with the motor insurance is here not to be trifled with: an accident is in any case more closely, examine the disguise that was cause. In addition, you risk your collision damage waiver protection for grossly negligent act. About simple losers you need to worry of course.

Our comparison calculator shows you more about prices and scope of services of insurance.

Drinking and driving

Omitted celebrated well eaten, good drink, a good successful evening - even if the last beer is somewhat longer, tends to easy to overconfidence in the good mood and feels more sober than the Alcohol Tester will tell the police in controlling circumstances. We want to cut off course the tie anyone - but still no shortage accidents under the influence an excerpt from the fine catalog there, as a reminder again:

Who is caught with 0.5 or more per thousand in the control of the police, gets at least 500 euros penalty, four points in Flensburg and at least a month of driving licence withdrawal.

Who behaves remarkably, must deliver for half a year or even longer his licence may from 0.3 per thousand. In addition, there is a fine.

The limit to the absolute Swiss is 1.1 per thousand. Who is involved in a such a high alcohol content in the blood from the market, must give at least six months on the driver's license, gets four points and a mostly four-digit fine.

Also the residual alcohol should not be underestimated: who all too deeply into the glass look has, "Not the subsequent night heals the" often also. The human body breaks down about 0.1 per thousand per hour – at 1.0 percent, it will take at least 10 hours, until the revelers is again ausgenüchtert. If he is then already roadworthy despite hangover, is another story.

Damage in carnival parades

A cocktail is spilled on the expensive costume of the neighbors quickly and even the noblest cigar Havana can burn a hole in the suit of Mitfeiernden. Without personal liability insurance should not going though anyway through life--just the foolish days this protection of gold is worth. As long as damage is done intentionally, the liability insurance for self-caused damage to property and personal injury comes up. But in particular, with regard to negligence, is to enjoy the legal situation of excessive alcohol consumption with caution: who gets drunk in a brawl, can not hope to support his private liability insurance. Here is decided despite the clouded judgment frequently on intent.

Also the operator and participant of the parades will be secured: the Organizer liability protection is therefore indispensable for organizers of Carnival rides. These are smaller parades, usually also the existing association liability insurance is sufficient.

Animals on carnival parades

Who wants to leave his dog not alone at home, but take him to the Carnival, which should it either muzzled create or better yet: complete dog owner liability insurance. Responds to the crowds of the four-legged stressed and bites a Mitfeiernden, the insurance for the pain and suffering.

The same applies to the page of the Organizer: If some horses accompany the move and flee or violate viewers in panic, comes the horse holder liability for the damage.

Accidents during carnival parades

Also, one can be sure as visitors not from accidents: If the masses through the streets, dancing and swinging, a crash is happening quickly. Even if the candy in the crowds are thrown from the car of the Rosenmontag parades, can "what the eye go". So even a well-meaning panel turns out chocolate to the dangerous level. In such cases, not the liability of the Organizer on pain and suffering cannot be prosecuted – what helps is a private accident insurance. This protects not only before the eventuality of a Karnevalsumzugs, but throughout the year for all leisure activities.

If it is too loud

Who among the "Carnival muffles" and the whole noise and roar of the hot phase of the Carnival to start nothing white, should better equip themselves with earplugs or fleeing: carnival parades are regarded as a kind of State of emergency, which it is not as accurate legally taken with volume levels and rest periods. However, you must have not fallen as local residents. Whether it comes to clarify a claim to an accident or other inconveniences, which lead to a dispute - who does not want to remain seated on the costs of the proceedings, is completely covered with insurance.

Auto and disability insurance

Auto insurance which concern vehicles adapted to the conduct of persons with disabilities is often more expensive than conventional insurance.


Get his driver's license in the event of disability
His permit when you are disabled is not always obvious thing. Indeed, beyond the difficulty of proof of the license itself, it must also pass a medical commission, which will decide if you are able to drive a car. According to medical data, it may issue a temporary or permanent permit.

The change of cars
Once the permit is obtained, it should also acquire a car that meets the needs of the disabled person and allowing him to drive. It's often make costly changes to the vehicle; the cost can exceed the price of the vehicle. It is generally adapt the wheel using 'joystick' to pass speeds for example and braking, it is also to develop a new door that allows the driver to enter and exit more easily. GEFIPH (Association of management of the Fund for the professional integration of people with disabilities) and the CDAPH (Commission on rights and the autonomy of persons with disabilities) are two agencies that are responsible for assisting persons with disabilities for the funding of this type of changes.

Higher insurance premiums
Most often, people with disabilities will have to pay a more expensive than normal insurance premium. Insurers justify this price rise due to the costly changes to the vehicle. The contract is, moreover, often with mandatory safeguards that increase a little more note.

A change put in place
Facing this situation, some insurers have decided to reverse the trend and to provide to persons with disabilities of the insurance contracts whose price is comparable to conventional contracts. They also put in place a series of measures on the basis of disability, whether O mile assistance or adapted failure car loan.

Auto insurance: what are the most expensive car colors?

This is not a myth; some colors of cars may push up the price of your auto insurance.


Colors to avoid
Bright or garish colors are the colors to avoid if you want to lower the price of your auto insurance. Red and all colors that might be described as flashy are therefore to be avoided. Prefer more neutral colors, such as gray, black, blue, standard colors which can however reduce the insurance premium rating.

Statistical reasons
Insurers have not decided overnight that they didn't like poppy red or yellow chick. This state of fact actually statistics follows. Indeed, according to the latter, in garish colors cars have more accidents than cars with more basic and more neutral colors. Should we connect this to the fact that bright car drivers are poorer drivers than drivers of cars in neutral colors, why not! Thus, with a car, you may pay more for your insurance, but you pass unnoticed on the road.

A trend that disappears bit by bit
Today, fewer and fewer companies insurance rely on the color of your car to calculate your insurance premium. Insurance generally seek the brand, the model, the power, but the color is always a key factor. Only some companies will let you pay more if your car is red. You compare quotes and see what you require insurers, if you want to drive a red car without paying the price!