The end of the year is approaching and it is time again to compare, if you can not save one or the other Euro with your car insurance. But a favorable tariff does not help you with too few achievements in the case of damage. We show you today 5 points that you should pay attention to with your car insurance.
1. Share liability
Motor vehicle liability is mandatory and should be covered as high as possible. It also covers claims for damages incurred by a third party, such as medical and treatment costs. Up to the agreed sum insured the insurer reimburses the costs for self-inflicted accident damage of the customer. The statutory minimum cover amounts are often used up very quickly. So if you just rely on compulsory protection, you risk your financial existence in the event of a serious accident. A good tariff should therefore contain at least 50, but best of all 100 million euro coverage.
2. Protection not only against wildfowl
The partial coverage insurance pays only for the accidents that were caused in connection with deer. If you are harmed by livestock such as a sheep or a cow, the hull will not pay. Therefore, you should make sure that the collision and the animal bite including consequential damage to hoses and cabling of all species is also insured. This tariff makes your insurance contribution only minimally expensive, but is worth a lot of money in an emergency.
3. Workshop bond
The plus point - tariffs with workshop binding are up to 20 percent cheaper. In case of damage, the authorized repair shop must be consulted. Anyone who leased or financed a vehicle must also read carefully. In the worst case, you lose the new car warranty, leasing or financing contracts are terminated. Even lessees and borrowers are obliged to have repairs made only in authorized workshops. Thus, the seemingly cheaper fare is often more expensive.
4. Damage-free discount
You have been driving accident-free for years and already have a no-claims discount? Make sure that you do not get lost when changing to a new car insurance policy. Downgrades to a worse claims-free class are often associated with higher contributions.
Tip: Let your previous insurance confirm in writing which non-infringement class (SF class) will be reported to the new provider.
5. Gross negligence
Who is faultless? If an accident is caused by driving over a stop sign or even a red light, you are often responsible for some of the damage. That can be very expensive. Therefore, be careful to include gross negligence in the contract. Only then does the insurance pay such damages, which you have caused by gross negligence. This waiver costs a few euros more per year, but saves in case of emergency but a lot of trouble and money.
Important: Generally not covered are accidents caused by alcohol and drug use.
Which car insurance benefits are important to you in case of a claim?
We look forward to your message on 0800 700 70 43, by e-mail to service@knip.de or via chat - directly in your app.
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