Driven less because of Corona? Motorists can hope for reimbursement from insurance

Munich/DUR/mad – Drivers who have driven fewer kilometers than stated in the insurance contract due to Corona and working from home may be able to get money back from their insurance company or have it credited to them.

The prerequisite for this is that the insurer is informed of the lower mileage in good time before the end of the contract year, reports the magazine “motor sports car“ with reference to the comparison portal Check 24.

Three quarters of all tariffs at Check 24 would therefore include the so-called fair mileage regulation without extra charge. This means that overpaid premiums can be refunded. High insurance premiums are charged for high mileage, since the risk of damage is logically greater. So if drivers drive fewer kilometers, fewer accidents occur and the risk for the insurer decreases.

If the policyholder’s actual mileage is less than that stated when the insurance was taken out, late registration is recommended.

Fewer kilometers because of Corona: Repayment from the car insurance?

An example calculation by the comparison portal results in savings of 17.9 percent for people with fully comprehensive insurance who drive 12,000 kilometers per year instead of the previously estimated 16,000 kilometers. Drivers who cover only 6,000 kilometers instead of 12,000 would be able to save 15 percent on their contribution.

However, drivers should also contact their insurance company if the previously estimated mileage has been exceeded. If you have covered more kilometers than agreed in the contract, you should let your insurer know. A number of insurance companies ask their customers at the end of the year for the mileage of their vehicle. Anyone who provides false information there must expect a contractual penalty or even loss of insurance cover.

According to the report, when a refund request is worthwhile depends on whether the driver falls below certain kilometer thresholds. Typical threshold values ​​are 9,000, 12,000, 15,000 and 20,000 kilometers. In the Corona year 2020, pay-per-kilometer customers could have received up to eight percent of the annual premium back. Less damage is also expected for 2021. However, the exact numbers have not yet been determined.

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