Car insurance
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Protection even with extra kilometers
Anyone who notices in the course of a year that they drive significantly more should report this later.
Photo: dpa-tmn / Christophe Gateau
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BERLIN (tmn). The vehicle insurance cover also exists if car owners drive significantly more kilometers per year than stated in the insurance. This is what the “Finanztest” reports (issue 3/21). The same applies if you lend your car to someone who does not belong to the specified group of drivers.
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Should an accident occur in such a situation, the insurance coverage will still apply. However, this should not mean that you do not provide correct information when asked by the insurance company. Anyone who notices in the course of a year that they drive their car a lot more should report this later. Otherwise, the difference will be due and possibly a fine if the insurer learns about it.
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This also applies to drivers who are not registered. The contribution that would have had to be paid for the actual group of drivers is due subsequently. However, for a penalty payment, which can correspond to an annual fee, the insurance company must prove that there was willful cheating. That is often difficult.
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Any planned journeys by another person should be reported to the insurance company in advance. Some providers then charge a surcharge.
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