Who wants to change the car insurance, should not only look at the price. Helvetia expert Peter Plachel reveals in an interview how to keep the premium low and why loyalty often pays off.
Mr. Plachel, many review their health insurance policies every year and consider switching. Is this also worthwhile with car insurance?
With the health insurance, coverage is required by law in the basic insurance. The premiums are redefined annually and insured persons can simply switch providers. In car insurance, this is different: The insurance products in the market are very different, which is why a pure price comparison is not effective. The customer should compare before changing the motor vehicle insurance in addition to the price always synonymous the scope of the respective product, and especially the service in case of damage.
So paying for years of loyalty to the same car insurance finally?
Depending on the company, the customer profits from longer-term contracts of more advantageous premiums - in contrast to annual contracts - and thus also from stable premiums over a longer contract period. That's why the policy is often not callable annually. Not to be forgotten is that the Road Traffic Office charges you for changing to another insurer.
How can you save money on car insurance?
Motor vehicle liability coverage is mandatory. In addition, the insured must decide to what extent he wants to have his vehicle covered and what financial risks he can bear up to what amount. If I want to insure my vehicle only against partial damage such as fire, theft, hail or broken glass, this of course costs less than if the policy includes collision damage.
And what about supplementary insurance?
All insurance companies today offer a larger number of additional services such as gross negligence waiver, bonus protection or motor vehicle assistance. Here it is for each person to decide personally, which risks you want to carry yourself and which should be covered by insurance benefits. In addition, Helvetia also offers travel insurance the opportunity to take out assistance insurance.
And how can I actually lower my premium?
By agreeing deductibles or waiving certain cover, I can reduce my premium. However, with the risk that I have to bear part or all of the damage itself in the event of damage. You can also reduce your premium by attending a driving safety training course. In addition, Helvetia offers an eco-discount for environmentally friendly vehicles in liability and collision damage insurance.
Hardly a driver drives the same vehicle all his life. What should be considered when changing vehicles?
It is important to clarify the new insurance coverage in good time and to obtain a corresponding offer. Although most insurers have today for a short time a cover coverage in their conditions, according to which the vehicle is redeemed from the vehicle at the Road Traffic Office as a precaution insurance to a certain extent. When changing from an older vehicle to a new vehicle, there is always the question of whether the previous insurance cover is still sufficient or needs to be adjusted.
In addition, it will need for the redemption of the new vehicle at the Road Traffic Office an electronic proof of insurance, which must be ordered in good time from the insurer.
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