Topic today:
Deadline November 30th: The motor vehicle insurance change is in full swing – BdV explains what insured persons should pay attention to
Autumn means a lot of work not only for auto repair shops, but also for insurance companies. Because not only car tires are changed now, but also car insurance. Anyone who is dissatisfied can now take the opportunity to switch to a motor vehicle insurer with lower premiums. Because at the latest one month before the end of the insurance year, which is usually the end of the calendar year, the old insurer must have received the notice so that the insurance contract can be properly terminated.
But in this discount battle, the insured should not lose sight of the conditions. “Cheap is not automatically better. Not only the premium, but also the benefits have to be right. You should therefore take your time when comparing the tariffs,” advises the Bund der Versicherung e. V. (BdV).
A good motor vehicle liability contract should e.g. B. provide a lump sum coverage of at least 100 million euros for personal injury, property damage and financial loss. In comprehensive insurance, the insurer should dispense with the objection of grossly negligent causing the insured event. Damage caused by animals of all kinds should be insured via the game damage clause. Damage caused by marten bites to hoses or cabling and their consequential damage should also be insured, at least up to 3,000 euros. Good to know: Anyone who has previously taken out discount protection – this prevents downgrading to a lower no-claims class in the event of a loss-affected history – should carefully consider switching to a new vehicle insurer. Because the reinsurer is only confirmed the actually experienced no-claims discount (SFR) without discount protection.
If you are satisfied with your previous motor vehicle insurer and would like to remain insured there, you may still be able to save your premium. Often a premium reduction can be achieved by switching to the current tariff. Insured persons should make sure that the benefits do not deteriorate. The BdV has compiled the most important criteria in the information sheet “Motor vehicle insurance”.
On the BdV website, interested parties can use an independent comparison calculator to determine the cheapest provider for their vehicle. The criteria that the consumer protection organization considers important and useful are already preset in the computer. If you missed the deadline to change, you can terminate your motor insurance contract after an insured claim, if the vehicle is sold or if the motor insurer increases the premium without any improvement in benefits. In these cases, deadlines usually have to be observed.
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