Car insurance information guide


Car insurance information guide
Car insurance as we all know is the insurance consumers buy for their vehicle be it a car, truck or any other automobile. The purpose of auto insurance is to safeguard the vehicle against accidents, theft and any other loss incurred. Auto insurance can lid, the insured party, the insured vehicle and the third parties. Different policies specify the situations under which each of these items is covered.







Like life insurance, auto insurance too has become the need of the hour. A surge in insecurity of the vehicles has resulted in many gigantic and little companies venturing in this place and trying their luck.


There are different types of auto insurances available. The policies vary with the need and wants of the people purchasing the policy. For example certain types of insurance policies include bodily injury liability, property broken liability, medical payments, and collision and comprehension coverage for physical broken to the insured vehicle.


Broadly speaking an auto insurance policy is divided into five parts.

1.Declarations- this part of policy contains personal information about the drivers in your house. This includes their name and address, make and model of the vehicle, vehicle identification number, policy number, duration etc. This part also comprises of basic type of coverage that you purchased and your policy limits and deductibles. It is very important to provide correct information in this area; otherwise the insurance affirmation can be declined at ease.

2.Coverage Parts- in this option the coverage limits such as liability, medical, collision and comprehensive are discussed. This section primarily outlines what your insurance company guarantees to provide in return for your payment, based upon the coverage and coverage limits opted.


3.Exclusions- this section briefs about what is left uncovered by your policys limitations. From here you will profit to know that what all will be covered when you make a allegation and allows you to make rectifications in the policy.

4.Conditions- this section is all about legitimacy i.e. the legal bindings upon the insurer and the insured. It includes premium payment obligations, steps to filing a claim, and guidance to resolve disputes.


5.Definitions- also known as good print, this segment is where terms and the rights of the policyholder and the insurance company are defined.


In several countries it is mandatory to purchase auto insurance before driving upon public roads. The least requirement in this area is third party insurance to guard the third parties against the loss, broken or crash by a vehicle. You may or may not acquire an insurance lid against loss or damage to your own vehicle. While some other countries make the insurance of both the car and the driver compulsory.

Car insurance plans a regular flat charge per-car or per year despite of the extent to which the car is used. There is no adequate statistical basis for the insurers to compare costs used to keep price classifications. Other well known methods of differentiation are reasonable estimation, odometer based systems, GPS based system and OBDII-based system.

Car Insurance. Involved In An Accident With An Uninsured Driver?


Uninsured drivers are ten times more likely to beverage and drive and three times more likely to be convicted of driving without due care and attention. They also cause one crash every six months. In fact one in twenty motorists regularly steer without insurance. It's therefore not perhaps surprising that, one in ten of all motorists have been involved in accidents with uninsured drivers. The ask is what to do if you're involved in an crash with one?


At the time of the crash you're unlikely to realise that the other driver is uninsured so you'll have to react in the usual way. Take a note of the other car's make, model and registration number. Also note the other driver's name and address  but whether he'll give you his correct details is perhaps unlikely! Nevertheless, always record what the other driver says. Unless you have this information you'll have no leg to stand upon when it comes to getting some of your money back.

Also take notes about the broken to the other car and the accident scene. Remember to note road markings, road signs, light and weather conditions and whether the other car had its lights upon  in fact as much detail as possible. Then if you're lucky enough to have an independent witness acquire their full contact details. And if you happen to have a camera in the car, take lots of pictures - and try and profit one with the other driver clearly in the describe. The police might like that one!

If your policy is comprehensive, your insurer pay for your car to be repaired but you could lose your no claims discount unless you've paid to protect it. But then there's the issue of your excess payment  that's the first part of the repair cost you have to pay for. You'll have to pay that unless you're fortunate enough to have a policy that waives the excess payment if you're hit by an uninsured driver.

For those of you with third party car insurance, you're in for a hard time. Your insurer won't pay for your repairs and, as the other driver is uninsured, you're not going to get any money off him unless you can trace him and succeed in a court action. Even then there's no guarantee that he'll pay up! Your only guaranteed solution is to make a compensation allegation to the Motor Insurers' Bureau - but you'll yet have to pay the first 300 of the allegation.

The Motor Insurers' Bureau insists that have the other drivers' car registration number and you must first report the accident to the police. Always ask the police for a copy of their accident report as the Bureau's likely to ask to see it.

At the moment The UK' Law is being amended to crackdown upon uninsured drivers. Not before time. Anyone keeping, not just driving, an uninsured vehicle now faces a fixed 100 good and can also have their car seized and crushed. Currently the average great for driving without insurance is just 170 and that's hardly a punishment when car insurance costs many times more. Losing the car plus a good of 100 is much more realistic. Let's hope that the courts fully implement the crushing sanction!

A police spokesman said recently,  Uninsured drivers are often guilty of many other driving related offences, such as having no driving licence or MOT certificate. We're doing all in our power to get these dangerous and illegal drivers off our roads.

We say, go to it blues and two's!

Cheap car insurance: how?

Clearly the Internet is tool that will allow you to find auto insurance cheap or cheaper than what you pay today.
Cheap car insurance: how?
You will find competitive prices while being well covered by asking multiple quote car insurance in just a few clicks.

On the other hand, should not focus only on the price insurance, it must also check guarantees and deductibles. In the event of problem, we very quickly forget the price of its insurance premium but looking at how it is covered and how much is our franchise. Cheap auto insurance doesn't have to be not at the expense of the guarantees.It must anticipate that at the time where you purchase your insurance to avoid surprises later.


Your vehicle is more fine listed on the Argus (see our free argus), you need not all auto insurance coverages.

Compare prices: get an overview of the market
First before committing to a new insurer, made a balance of the guarantees that you are not or more in your old contract. Make an assessment of your profile in order to contact an insurer that suits you best. Depending on your profile, insurance create specific contract. Each profile has its contract: bonus/malus, official, low mileage etc.
Find the insurer that you matches by comparing different insurance companies, and ask for auto insurance quotes. Set your profile and find an insurer that will offer you a product "suitable" and therefore less expensive. Do not hesitate to use the Turbo.fr insurance comparer to find insurance that corresponds and request quotes for auto insurance, this is the best way to compare offers and get cheap auto insurance.

Compare prices: do not fall into the Panel
Our comparator gave you several offers corresponding to your profile, you not only set on the price. We must be well aware and compare warranties. Indeed, you are going to have quotes insurance auto so-called 'low cost' tempting, but usually a high franchise which will be your dependant disaster as well as guarantees ceilings low.

Generally, there is a tendency to stop on the price that defies any competition. Redouble attention insurers their ingenuity to seduce you. They have very attractive prices but the franchise will be very high. However, it would be better to pay a few more cheap guarantees and to have a reasonable deductible. Be careful, do not throw you on the initial offerings.

Be careful also to your insurance premium. Some companies offer to settle your insurance premium every month but often with additional charges! Ask good question. Pay in the year make you often economies.
We do you never say enough, compare insurance not expensive, ask for auto insurance quotes and do compete. It is for you to make your choice and not the opposite. You'll save money for sure!

Forms of Car insurance

Car owners can take out three different car insurance: a motor vehicle liability, a partial cover insurance and a waiver. Speech is simply from the car or car insurance is meant mostly the former, because the insurance is a compulsory insurance, which must be completed for each car. The other two policies provide optional additional protection.


The liability insurance takes over when third parties collect legitimate damages claims against policyholders after an accident. It pays for:
  1. Personal injury
  2. Damage to property
  3. Damage to property
Teilkakso insurance covers damage to your own car. For example, these include:
  1. Fire damage
  2. Elemental damage
  3. (Partial)Theft
  4. Short circuit (approximately by Marten bites)
  5. Breakage of glass
  6. Damages
A fully comprehensive insurance includes mostly the partial cover insurance services, but beyond. It includes the following:
  1. Vandalism
  2. Damage caused by own fault
  3. Failure of an opponent's liability insurance (such as hit and run)
The conclusion of a comprehensive insurance is particularly useful when the affected car is new or only a few years old. To find the optimal protection for your car, you should compare the different car insurance, weigh on the other models - some with higher deductibles.

A special feature under the insurance for the vehicle is the so-called Mallorca police. This is a supplementary insurance for rental cars from abroad. She can be completed not only for Mallorca and worthwhile if the own car insurance does not provide sufficient protection. Before graduating, you should perform a car insurance comparison.

Car Insurance : Performance characteristics

In addition to the basic services, you can extend insurance to special additional features. Whether it's useful or not, can be in the least cases say flat, but depends on the individual situation. An overview of the most important additional features:


Increased coverage: a certain fee, many insurers in the event pay a higher maximum. High coverage levels are standard, but many providers and should be  considered when the car insurance comparison.
New price compensation: Instead of the replacement value you get reimbursed in the case of a vehicle the new price – this is worth especially for new vehicles.
Safe-conduct: When a breakdown of safe-conduct covers costs such as towing, car rental and accommodation. Often, it is included in the regular car insurance.
Gross negligence: A waiver can save on premiums, but it is much safer to insure with gross negligence - about accidents by driving over a red light.

Workshop binding: The limitation on partner workshops also saves posts, should be accepted only if the network is large enough. Here is a comparison.
Optional: Select this additional service, the insurer for items in the vehicle comes up, if they have been damaged or stolen. Tip: Be sure whether optional accessories is possibly already covered in a tariff if you compare car insurance.
Passenger / driver accident insurance: It protects passengers and driver in an accident. Usually, it is superfluous, because for inmates already the liability of the driver, while the latter at a general accident insurance provides better value for money.

Car insurance Guide

If you want to insure a new vehicle or cancel your existing auto insurance and change, you should get advance insight into the market. Due to strong competition among insurers, there are favourable tariffs practically for each car. Whether a car insurance for novice or a car insurance for the car: you can choose among numerous offers. Learn what to look for here.



Types of car insurance

Generally can be distinguished three types of car insurance: motor insurance, the collision damage waiver, and the partial cover insurance. A compulsory insurance is the former and is usually meant, if only from the car or car insurance. You pay for all legitimate claims for damages, imposed after crashing against you by third parties. Partial and fully comprehensive stand, however, in varying degrees of damage to your own car.


Cost factors

Car insurance Guide
Although the motor insurance is a compulsory insurance, you can save on a completion yet. So different factors will affect the contributions which you can influence their part at least in part. Are worth mentioning in the first place:



Drivers classification: Through years of accident-free driving you can reach a low damage freedom class, which specifies the auto insurance as a percentage. This is the most effective means to reduce contributions.
Type class: For the insurance, the type classes are binding, they are based on the statistical damage required of a specific vehicle class. Each car belongs to a type class, the overview is updated once a year.
Utilization behavior: A low mileage and a safer night Abstellort, for example, affect positively on the premiums.
Personal conditions: by the age of the driver about his profession up to the housing situation, the various criteria affect insurance premiums.


Discount protection and discount saver

The classification into a worse damage freedom class and the increase in the contributions follow a self-inflicted accident car insurance. Discount protection and discount saver can prevent this. Arrange a discount protection with your car insurance, remain you get damage freedom class and premium. Up to three losses per year allowed under these conditions regulate - however, you have also an extra seven to 15 per cent in purchasing.



The discount Savior is often free part of your policy, is possible but usually only once per year. Here the low premium is retained you though, nevertheless the insurance makes the classification into a worse damage freedom class. Bind off rescuers as well as discount protection in a way your provider: If you want to change the insurance, you can not take the percentages to the new car insurance. The company will be classified on the basis of the actual damages namely you.


Cheap car insurance for beginners

A car insurance for novice is often relatively expensive. This is due to their lack of driving experience and a higher than average carelessness which is reflected also in the accident statistics. But, there are ways to complete a cheap car insurance for drivers.



An option is to ask the insurer of the parents whether entry in the damage freedom class half is possible. This corresponds to a percentage range between 100 and 140 depending on the provider. The downside is that no free choice of insurance is possible. More often the way is used appropriately, that the parents of the young rider complete car insurance for a car. So, you run the police using their name while daughter or son of the main users of the car is. This caused an accident, the demotion in the damage category concerns only the second car. A start is possible at best with the classification of the Erstwagens depending on the age of the driver at least in SF, half.


Cancel car insurance: to go properly

There are several reasons to switch car insurance. If you are unhappy with a settlement, not be willing to accept an increase in premium or have simply found a better rate, you can cancel your car insurance - but not always. You are bound to your notice period or subject to specific cases. You authorize the following situations to cancel your auto insurance:



Re-registration or change of vehicle: You buy another car - whether used or new - you can change the insurance for this.
In the event of damage: after the settlement of a damage

Car Insurance : High savings for novice

Beginners can enjoy! Stiftung Warentest provides recently the reason: up to 3,000 euros savings in motor insurance waving a year anyone who wisely concludes his policies. But also for frequent drivers, ecological and negotiating artist financial advantages.


€3,000 For novice

According to the study in which 152 offers were evaluated by 74 auto insurers, are the highest savings in auto insurance for beginners. Who compares and completes a liability, as well as a partial cover insurance, can make up to 3,000 euros.

Several $100 savings

Car Insurance : High savings for novice
Not quite as high as for young car owners is the savings potential for frequent travellers, retirees, families and environmentally conscious driver, whose Fahrzeug accounted for less than 12 g / km CO2 emissions. They come from several 100 Euro discount in the best case.

Trend Internet

A recent Forsa poll shows also on behalf of the industry association BITKOM: the insured increasingly use the Internet to get an overview of the different offers of the car insurers. -9 Percent and thus twice as many people as in the previous year - completed online their contract. The tariff change mouse click is very popular by the way the 30-44 year-olds. Compare is fully in line with the trend. 31 Per cent of the insured find out online about new auto insurance and every seventh put his mark to bring a new insurance in place. Last year it was only every tenth person.

Tricks when changing

Who is happy actually with his current insurance, but has detected low rates for competitors, should negotiate. With some rhetorical skill, the original premium can be press if one carries the insurer the numbers and performance of the alternative provider in mind. Customers willing to change must comply with the notice period until 30 November. FinanceScout24.de helps the termination and also offers, comprehensive advice on finding a suitable car insurance.

Car Insurance : Online degree by insurance is in vogue

The Germans in the trend is not only the search for insurance, but also the direct lump on the Internet. A Forsa study, which was conducted on behalf of the high-tech Association BITKOM came to this conclusion recently.

13.3 Million citizens use therefore the Web to easily through deals around on car insurance and - especially in the time of change of - about to find cheaper rates. More and more car owners bring their policy even with a mouse click in place. It was just five percent in the previous year – this year almost every tenth citizen online completes his contract.


The overview, the comparability and thus the industry-wide transparency are the strength of the online offers. Also Prof. Dr. August-Wilhelm Scheer, President of BITKOM, includes this statement: "The Internet offers insurance best possibilities for price / performance comparison."

Car Insurance : Online degree by insurance is in vogue
User-friendly comparison calculator which are associated with the data of many insurance companies, pave the comfortable way to the appropriate policy. In a test in October 2010, by FinanceScout24, the grade "very good" (1.2) certifies the car insurance calculator and highlighted the exemplary usability.

In the age group of 30 - shoulder get insurance or change of tariffs on the Web now particularly well. Last year, 27 percent of the offerings, informed which decided 10% ten to an on-line contracting. This year, 31 percent are already looking for auto insurance--14 percent of this age group put their mark under a new policy online.

In the 45 - 59-year-old group, about a quarter on information tour goes around the subject of car insurance. 13 Percent chose a policy directly.

Car Insurance : Luxury car

The cost for the maintenance of the car rose far faster than the cost of living with 3.1 per cent in 2010. Biggest weight is fuel prices - especially in the big cities these are according to the ADAC far away from the current oil prices. Analog, currently the Federal Cartel Office questioned the collective rise in prices at many service stations just before holidays. Is the consumer when refueling ripped off?


Who opts for the own car in terms of mobility, must engage deeper in the pockets. The ADAC has recently determined where the stresses of mobile pedestal most have increased compared to the previous year. Car maintenance is committed off therefore clearly with a rise of 3.1 percent by the rising cost of living. Needs of daily life rose only 1.3 percent on year.


What has become more expensive?

Car Insurance : Luxury car
Main cost drivers car are the fuel prices for the luxury item. These have increased by whopping 8.7 percent compared to 2009, while purchase prices for new cars, costs for spare parts, accessories and repairs with a rise of less than one percent to beech. Place the cost of driving a car is car insurance. On average, 6.4 percent more had to fork 2010 the German car owners for their financial security on the road. The gasoline price has accept the drivers grumbling, but with a change of insurance he has depending on the individual facts & figures a screw, to save several hundred dollars a year in the car.


Expensive cities and a cheer for the holidays

Using a regularly tested sample, the ADAC has examined gasoline prices from 20 cities. With an average of more than 1.40 euros for the litre of Super petrol, competition in expensive cities not to the same extent as in the lower works so the Automobile Club. Federal Cartel Office President Andreas Mundt wants to proceed against similar to the holiday calendar rising gas prices especially in the "expensive" cities now exacerbated. In the four major cities of Hamburg, Cologne, Leipzig and Munich, 100 petrol stations had to sign their price chronology of the past three years to the Bonn authorities. It is now checked whether there are always these same companies, which raise the gas prices just before the holidays. Also, generally strong price fluctuations - should if be taken directly before the holidays or several times within a day - more closely scrutinized.


Car Insurance : Investment consultation record can secure compensation claims

Car Insurance : Investment consultation record can secure compensation claims
Have you ever checked on the basis of the consultation Protocol if an insurance broker has advised you correctly? That you should, because if in the event of damage, the insurance rejects the reimbursement, it is usually too late. Many policyholders underestimate the importance of the document and signed it in the consulting process after a flood of information rather absent-mindedly. Who however considered the form such as a headache product leaflet can walk into the trash unread, which is wrong.


A meticulously-run log in the insurance consulting can either protect from nasty surprises or secure the claim for damages. The latter must be enforced until legal action, should feel the customer wrongly advised and an omissions of the broker be detectable.

A good agent should bring not quickest possible trades, but the optimal insurance coverage give its customers with individual advice. He determined the situation, wishes, goals and the need for any interested parties. Usually, he documented all of this figures in the investment consultation record.


Black sheep

Customers should be nice if the mediator proposes, keeps the counseling part to skip them or giving them a waiver under the nose. Because even among insurance brokers, there is like everywhere - black sheep. To use nothing but is legal - consumer advocates but strongly discourage from. "Customers lose their entitlement to compensation", so Peter Grieble of the Verbraucherzentrale Baden-Württemberg.

When the "insured" occurs long thought to be paid and the insurance company refuses to pay, it is helpful if the policyholder the broker can prove that he has advised poorly or incorrectly. Only in this way he may assert claims for damages.

The car insurance customer plans, for example, a journey by car, the agencies in the framework of the consultation must ask the objectives. He omits that and sold a policy just for the EU area, he is responsible, when the policyholder in Turkey comes to harm. If the customer is able to prove the failure of the agent, he is on the safe side.

Clear advantages in the online consultation

Compared with the Treaty process with the broker, the online consulting option offers several advantages. The customer has at the outset the possibility of an independent comparison portal like FinanceScout24.de between many providers to choose. The first General input from the exact scope of the relevant insurance product to specify of the personal data, the user can monitor every step and hold itself by expression. So, he gets maximum transparency over the course of the consultation. Established broker is also the obligation to document the extent of personal advice, but this is often not as accurate as in online sales.

Who decides according to the objective comparison on FinanceScout24.de for an insurance policy, will receive an investment consultation record that lists all details, conditions and details of the Treaty at the conclusion of the contract. The customer should store well sorted and hand these documents to seek not long in the insured event.

Car Insurance : Cheap to insure several vehicles

The times, in which almost all households had only one car, long thing of the past. A personal and flexible mobility is self-evident for decades. When their children are of legal age, the number of household own vehicles is increasing rapidly. But also couples without children increasingly use one of two cars - for the work, the other about shopping and other errands. That wants to be optimally hedged - learn getting two or more vehicles optimal under a hat.

Second car

Old proven and with the car control is best known: two vehicles are available with the same provider in a joint police - with the car in its initial classification can be given mostly a better damage freedom class and thus a larger no-claims bonus. In addition, some insurers provide additional discounts on the second car.


This benefits many parents to cheaper to classify the car of her child. If the son or daughter would like to accept the insurance at some point, the damage category can be transmitted most easily. However, are here to note two stumbling blocks: guardian and child a relationship must be between first-degree - beyond the discount only at the height can be taken, "can learn how the child would have him since the receipt of the own driving itself". The driving licence is only a year old, a classification SF class 1 is possible so maximum even if about the father would have reached already SF class 10 with the second car.



Individual insurance

But not always drive with the second car control more affordable. Depending on the type of vehicle and insurance one comes away also times better circumstances when each vehicle with another provider is housed. Ultimately, it is always on the individual case. Therefore: Zweitwagen-or individual insurance - leads on the right track only a comprehensive comparison as many vendors and offerings.

Fleet insurance

Car Insurance : Cheap to insure several vehicles
There were until recently only for companies and self-employed persons who have a certain minimum amount of vehicles fleet or fleet insurance. Since October 2010 offer the ADAC and the Zurich insurance but a model to that of fleet insurance is very similar to: the family insurance. All vehicles of a household can be combined with an insurer - everyone gets his own police with "their own" damage freedom class here, everyone pays his own contribution and all have same contact person. The decisive advantage: More and more vehicles are insured, the lower is the classification, allowing savings of up to 12 percent per vehicle.


Change indicator

A "slimmed-down" version of the second car scheme is the introduction of the change indicators planned for 2011: up to three vehicles can be reduced almost in the guise of an insurer on a flag. Only for the each most expensive vehicle, insurance premiums and taxes will be charged. The idea in the Switzerland and Austria several years ago for the first time introduced originally stood the environment at the forefront, because only the vehicle with the "insured" indicator must be - moved thus one reason why this model rather represents an option for individuals who are in possession of several vehicles. In return rather an obstructive model, when the cars of kids cheap insurance should be. In addition less organic but rather economic interests in the foreground stood in Germany, as the change indicator for 2011 has been scheduled: after the decline of the automotive industry by eliminating the cash for clunkers, consumers should now be motivated to purchase a second.

Car Insurance : It depends on the image

Car Insurance : It depends on the imageIt is not new that cars are an image carrier – a recent study shows that Germans place but also value the appearance of their car insurance.

The VHV interviewed 1033 insurance drivers to the image of car insurance with the IMWF (Institute of management and research). It came out that it certainly plays a role for car owners, whether is good or bad in public insurance. Just older people - 80 percent of the over 60 years - women, but also new and this year car buyers prefer insurance companies with unbescholtenem reputation.


Usually, the questioning brought special features with good standing on a car insurance company in connection. The quick claims processing in the foreground stands for 90 percent. Cheap prices, good customer service and advice make a good image of insurance for clients.

Car Insurance : Confusion in the periods of notice

Car Insurance : Confusion in the periods of noticeThe traditional date for the car insurance is the 30 November. Yet know just two-thirds of German motorists on this date, so the result of a study of the YouGovPsychonomics on behalf of DEVK insurance. What therefore still less customers know: car insurance not on the calendar year is completed, entirely different notice periods apply. No wonder, then, that the desire is getting louder for more transparent change dates.

YouGovPsychonomics surveyed more than 1,000 motorists who pull a change of their auto insurance into account. Most willing to change are already old hands: 75 percent of respondents have at least once their existing contract in the past five years terminated. About 40 percent have been even twice or more the change.


Cancel until 30 November - or maybe to another appointment?

In contrast to most other insurance companies, the notice of car insurance is only one month. Usually, the termination date on the 30 November thus falls to change without giving reasons on January 1 to a different provider. Until recently, it didn't matter, the police has been completed to date. But here is now careful: last year, individual providers like Allianz, Zurich, or insurance companies of the ERGO Group have introduced customer-specific maturities. In this case, the term not as usual ends on December 31 but corresponds to a duration of twelve months. Completed the contract, for example, on 18 June, he must be - announced no later than May 17 exactly eleven months after the beginning.

Car Insurance : Price war of motor vehicle insurers

Car Insurance : Price war of motor vehicle insurersPrices for car insurance are increased slightly compared to the previous year. The hard winter 2010 as well as the disproportionate number of accidents were the decisive factor. But by no means a general trend towards increases in the insurance industry on the records. On the contrary, high competition in the industry and the merciless struggle for market share, the price level keeps constant low.


Every year are competing insurers especially to the automotive Wechselsaison to win the favor of customers. With affordable premiums, they want to shine at the beginning to do well as much new business. With words such as "we are the Aldi of the insurance industry", HUK-Coburg offensive enters the race. The Group has recently replaced the Alliance in the retail business of the Automotive Division as a market leader. The premiums an average 11 per cent have fallen industry for six years. That has pulled the rug from under the feet away some providers such as, for example, the Ineas, which went bankrupt this summer.

However, if you think that so is the price dispersion, which is wrong: hardly are costing the companies to undercut. Business with the automotive policy is profitable only if the main unit - the combined ratio – remains of the insurer under the 100-percent mark. It exceeds this value, cost of damage and management no longer has the premiums may be covered. Be sold also as in the past year many policies with discount protection, means for the customer in an accident while not upgraded and therefore no rise in premiums - who has insurance but additional costs to carry, that have been provided the policyholder account were originally.

Some insurers accept the fight at the damage limit of cost but in the short term, to lure many new customers with extremely competitive premiums. Because especially in motor insurance, customer loyalty is very strong: who once opted for an insurance provider, it remains faithful to typically long.

The insurance agents around the corner gives a discount on request of the customer partially or tries to thrash away the competition from the Internet through discounts on product bundling, but that goes for customers mostly at the expense of transparency. The HUK-Coburg that is however not the case: "our prices are non-negotiable. All customers with similar characteristics get in the applicable fare the same price", said Board Member Klaus-Jürgen Heitmann.

Car Insurance : Car in the flood - what now?

Car Insurance : Car in the flood - what now?Each flood disaster many cars "perish". But not always becomes a total loss. For very important people: Considered action! Fully comprehensive or partial cover insurance insured can have mountains while their vehicle in most cases and fully repaired - unauthorized moving of the vehicle from the scene of the accident can however significantly increase the damage or result in the loss of insurance coverage.



Practical advice for victims

Even if your vehicle is no longer available under water, you should try never to start the engine. The risk that water has entered into the engine what would cause to start a so-called "water hammer" is too big. The damage caused is many times greater than the minor damage caused by contact with water. Already the turning of the key in the ignition can cater for short circuits or extensive losses in the electronics of the vehicle. Even if the engine first starts, the oil mixed with water can cause a piston seizure or damage to the crankshaft.

Sand in the gears

The Central Association of German motor vehicle trade (ZDK) recommends that victims, to tow her car without starting attempt or their own repair efforts in the nearest garage and to seek advice there, whether is worth a "draining". This is first and foremost by the residual value before the flood off and the vehicle "submerged" was how deep. It is also of great importance, as polluted water was: in many places fine sand can accumulate in highly turbid water – especially in the engine compartment, these pads quickly lead to capital losses. For the Interior, there are professional methods to eliminate the water damage.

What does the insurance?

We have already mentioned the damages incurred through improper initiative – apart from Casco customers risk even their insurance coverage! The comprehensive insurance pays only damages resulting from direct exposure of the water or by natural forces on the car. These include all damages which are caused by "Washing away" of the vehicle or the vehicle reaches items. Also, any damage caused by the water itself, such as the Interior or the "sand in the gears" are applied.

If your car suffers an engine failure because you wanted to move it as mentioned above from the flood or after the flood, as it involves an "indirect" damage that therefore belongs to gross negligence. Here, your comprehensive insurance basically makes close the locks. The same applies if you try to drive through deep water or the car despite explicit flood risk has been in a flood-prone parking lot. Here, also any liability by the owner of the parking lot - is even if it is a rented garage or a hotel parking lot.

Car Insurance - Carnival: Foolishly Yes, but please not foolishly insured!

Car Insurance - Carnival: Foolishly Yes, but please not foolishly insured!The Carnival and Carnival days a lavish celebration are available at the door, and with them. Costumes, parades and revelers people wherever the eye looks. But here are also many dangers. Who with mask or drink-driving is caught, discovered damage to the vehicle after a parade or caused an accident when moving or itself suffers, for joy is over quickly - especially if he is not sufficiently insured. We want to help you that you come well and safely through the holidays.

On Rosenmontag, are the streets celebrating re-filled his fool time millions of people with losers, masks, wigs and costumes - omitted and cavort in the processions and parades through the streets. At the latest since the parade in Duisburg love we know but that such major events a lot can go wrong.


Carnival parade: Directions and parking

Car owners should refrain rather with your vehicle by streets, where carnival parades take place - just in the Carnival stronghold here caution is Mainz, Düsseldorf or Cologne: who aims his car on the road or in the vicinity of a move, has bad cards on adequate compensation if the vehicle afterwards has been scratches, dents or other vandalism damage. It is almost impossible to identify the perpetrators or the, on the other hand also your Casco insurance is reluctant to pay full damage, because: the parking in a such danger is considered grossly negligent act.

And in other ways it can be uncomfortable: just when the streets are full of wild and rollicking mood, a regular parking can sometimes become an emergency escape route for emergency vehicles. If your car is towed away or comes to damage, because it is a rescue operation at the wrong time in the wrong place, it is really expensive. Even for heavy handicapped parking spaces, there is no special treatment during Carnival celebrations.


Mask at the wheel

Without necessarily wear masks or bulky costumes behind the wheel. These can significantly affect the vision, hearing and movement. What may sound like first terse, can carry far-reaching consequences: who is fully costumed in a police check, faces punishment at least ten euros, depending on the degree of negligence. Even with the motor insurance is here not to be trifled with: an accident is in any case more closely, examine the disguise that was cause. In addition, you risk your collision damage waiver protection for grossly negligent act. About simple losers you need to worry of course.


Our comparison calculator shows you more about prices and scope of services of insurance.

Drinking and driving

Omitted celebrated well eaten, good drink, a good successful evening - even if the last beer is somewhat longer, tends to easy to overconfidence in the good mood and feels more sober than the Alcohol Tester will tell the police in controlling circumstances. We want to cut off course the tie anyone - but still no shortage accidents under the influence an excerpt from the fine catalog there, as a reminder again:

Who is caught with 0.5 or more per thousand in the control of the police, gets at least 500 euros penalty, four points in Flensburg and at least a month of driving licence withdrawal.
Who behaves remarkably, must deliver for half a year or even longer his licence may from 0.3 per thousand. In addition, there is a fine.
The limit to the absolute Swiss is 1.1 per thousand. Who is involved in a such a high alcohol content in the blood from the market, must give at least six months on the driver's license, gets four points and a mostly four-digit fine.
Also the residual alcohol should not be underestimated: who all too deeply into the glass look has, "Not the subsequent night heals the" often also. The human body breaks down about 0.1 per thousand per hour – at 1.0 percent, it will take at least 10 hours, until the revelers is again ausgenüchtert. If he is then already roadworthy despite hangover, is another story.


Damage in carnival parades

A cocktail is spilled on the expensive costume of the neighbors quickly and even the noblest cigar Havana can burn a hole in the suit of Mitfeiernden. Without personal liability insurance should not going though anyway through life--just the foolish days this protection of gold is worth. As long as damage is done intentionally, the liability insurance for self-caused damage to property and personal injury comes up. But in particular, with regard to negligence, is to enjoy the legal situation of excessive alcohol consumption with caution: who gets drunk in a brawl, can not hope to support his private liability insurance. Here is decided despite the clouded judgment frequently on intent.

Also the operator and participant of the parades will be secured: the Organizer liability protection is therefore indispensable for organizers of Carnival rides. These are smaller parades, usually also the existing association liability insurance is sufficient.

Animals on carnival parades

Who wants to leave his dog not alone at home, but take him to the Carnival, which should it either muzzled create or better yet: complete dog owner liability insurance. Responds to the crowds of the four-legged stressed and bites a Mitfeiernden, the insurance for the pain and suffering.

The same applies to the page of the Organizer: If some horses accompany the move and flee or violate viewers in panic, comes the horse holder liability for the damage.

Accidents during carnival parades

Also, one can be sure as visitors not from accidents: If the masses through the streets, dancing and swinging, a crash is happening quickly. Even if the candy in the crowds are thrown from the car of the Rosenmontag parades, can "what the eye go". So even a well-meaning panel turns out chocolate to the dangerous level. In such cases, not the liability of the Organizer on pain and suffering cannot be prosecuted – what helps is a private accident insurance. This protects not only before the eventuality of a Karnevalsumzugs, but throughout the year for all leisure activities.


If it is too loud

Who among the "Carnival muffles" and the whole noise and roar of the hot phase of the Carnival to start nothing white, should better equip themselves with earplugs or fleeing: carnival parades are regarded as a kind of State of emergency, which it is not as accurate legally taken with volume levels and rest periods. However, you must have not fallen as local residents. Whether it comes to clarify a claim to an accident or other inconveniences, which lead to a dispute - who does not want to remain seated on the costs of the proceedings, is completely covered with insurance.

Read and understand his car insurance

Read and understand his car insuranceIt is often difficult to understand his auto insurance. However, disaster, we realize that ultimately we have not made the right choices.

Here are some steps to understand better his contract and choose the right options.

Most policyholders tend to refer to the price of their insurance premiums to make their choice. If the price is important, it should not be your only choice.


Civil liability and limitations
So-called third-party coverage contains at minimum liability insurance. It is compulsory and covers damage you might cause accidents whether they be physical or material. On the other hand, it does not cover you you and your vehicle. If you think that the value of your vehicle does not need to guarantee all risks, it is your choice. It depends on its starting value. On the other hand, it is important to cover you as a driver in an accident.

The individual guarantee driver
To cover you you as a driver, accidents causing physical injuries, it is important to purchase an individual guarantee driver. This warranty is not always part of the insurance contract to the third party, so it's a clause to be added to your contract, a clause that is important not to neglect.

Insurance all risks
The term insurance all risk can be confusing. It includes the liability and insurance covering your own wounds or repair on your vehicle. However, insurance all risks does not mean that you are covered for everything. Also, some for example impose limits on interventions. For others still, it is for you to choose the coverages, such as theft, glass breakage, fire, weather...

The price of the franchise
Finally, if some insurance companies have very low prices, they often compensate on the prices of the franchises. In addition, the operation of franchises is often explained in a complex way, it is important to speak with your insurance company in order to understand the limits of your car insurance.

Car Insurance : Save anyway!

Car Insurance : Save anyway!The car is indispensable to many households and is increasingly becoming the expensive luxury good. Now added the insurer now - timely missed their customers after a few years of "post"peace for Christmas - a major financial shocks.

Almost all insurance companies have announced at the beginning of the year 2012 strong increases for car insurance. These increases relate both to motor liability as also the vehicle insurance and the insurers vary. Calculations of the companies in which incorporate calculations claims benefits and risks and impact very clearly on the contributions of partial and fully comprehensive insurance are based on this new price increases.


To attract new customers, advertises the insurance industry each year in the fall intensive in all media and indicates the normal notice period to the 30.11. So is urged a quick change and - as incidentally - are discounts for the new contract promised.

The existing customers of the car insurers are excluded from all these cute actions. Discounts for customers who are long in the contract? Nil return! On the contrary, the contributions these customers meet for the insurer only as paying clientele sin, interesting, particularly hard.

Take advantage of special right of termination and save despite increase in premium!

The fact is: no matter whether new or existing customer - who compares the contributions in a timely manner and takes care of a reasonable contract, is on the safe side and has the chance to save still some money.

Unfortunately the insurance companies send their announced increases often only after the 30.11, so especially the passive stock customers--older policyholders who make little use of the Internet or insurance customers who have no comparison--often accept these increases and definitely deeper access into the bag, because they missed so the notice period.

Wrong! As for contributions, policyholders have always a special right of termination by one month. If the letters with the increases in the House flap, should even the loyal customers wake up and get a better deals, because the household budget can be relieved in 2012.

CAR insurance comparison on the Internet use

The Internet offers many free ways to compare car insurance quickly and objectively. Thereby, but customers should note to face always rates with same benefits. Also a change of the solid in the partial cover insurance saves on older vehicles.

Who necessarily wishes to remain as an existing customer with his insurance company, may enquire there after a rebate. Many insurers give new customer discounts these insured light "telephone hold" often, another year to keep them. And if not - then off to a new, cheap car insurance!

Car insurance: calculate its auto insurance rates

Car insurance: calculate its auto insurance ratesAuto insurance rates are very difficult to calculate because many elements come into account in the calculation of the price of car insurance.

Given this complexity insurance companies have teams of statisticians that establish different prices to a quote for insurance car on the basis of the set of elements that is your 'profile '.
We cannot explain how insurers calculate exactly a quote for auto insurance because too many elements are taken into account. On the other hand, we will try to describe in outline the main elements.


Main criteria for auto insurance rates
The main elements that enter into account in the calculation of a car insurance price are: the type of vehicle, the geographic area in which you want to be assured, your age and your profession.
In addition, should add to these criteria your historic insurers (bonus/malus) which plays a crucial role in the calculation of an insurance quote. It is difficult to go into the details on the calculation of the bonus/malus and quantify the impact it has on the amount of the insurance auto quote.

We have compiled a list of the main criteria common to auto insurance companies. But some insurers have their own criteria as for example the color of your car. If you have a red car, you pay more at some insurers! Why? These insurers believe that a driver who has a red car will tend to roll quickly because this color is more typed sport. Therefore prefer more «classical» colours

You'll understand it almost impossible to draw up an exhaustive list of the criteria entering into account in the calculation of an auto insurance quote.

The criteria are usually different from one insurer to another, we recommend that you compare prices and request quotes for auto insurance, it's free! Do not hesitate, it takes 3 minutes and it can make you make significant savings. Compare car insurance rates, you'll see that for a same profile rates may vary from simple to double.

Car Insurance all risks / third party insurance: which one to pick?

Car Insurance all risks / third party insurance: which one to pick?You have an insurance all risks in recent years and the value of your car has declined since. What is always interesting to take out insurance for all risks? Should you go to the third party? Reduce your auto insurance coverage?

Determine the opportunity side of your car
Ensure the vehicle in all risk only makes sense if your car has a certain value. To do this you first to determine the value of your car by checking its coast on the occasion (see our free argus). It is very important to know the value of the vehicle as this will affect the choice of warranties.


Choose good guarantees
The choice of the guarantees is quite complex to ensure his vehicle. Below the main guarantees:

'The civil liability or the third party cover' is mandatory and ensures compensation for all the damage and injury caused to third parties but it does not do any damage to the car of the insured.

"The guarantee of bodily injury sustained by the driver (responsible for the accident or not)

"The guarantee of damage (theft, fire, glass breakage, collision etc.)

«Warranty damage all risks» allows you to be compensated for the damage caused to the third party, passengers and vehicles, and, that the insured is responsible for or victim of the disaster.

Keep coverage all risks?
If the side of your car is low (check with our free argus, your all-risk insurance premium will remain high. It is not worth not necessarily. At a certain moment in the life of your car, it will cost you more expensive auto insurance all risks to pay disaster responsible for minor repairs of course. If your car is not in very good condition, your insurer take this into account in the calculation of your benefit responsible for disaster. Insure a car in all risk that is not in good condition is rarely profitable for the insured. Some insurance companies require even to insure a car in all risk a "Visual inspection" in one of their garage approved, before agreeing to ensure in all risks. This allows the insurer to get an idea of the general condition of the vehicle. Each deterioration is listed and taken into account in the calculation of your benefit disaster where you are responsible for. Yet once, do not hesitate to get a car insurance comparison by requesting insurance quotes all risks.

Guarantee flight / fire: a good solution?
This formula seems perfectly adapted to old cars. Indeed, it allows to slightly lower the amount of the premium and keep essential guarantees such as theft or fire. The only case where you are not covered, it is responsible for disaster. But for sure you will make significant savings on your auto insurance premium.

Car insurance quote: Why ask for it online

Car insurance quote: Why ask for it onlineThe request for quote online has become commonplace, and insurance including auto insurance.

Easy, fast and convenient
Easy and within reach of almost all it is a way for the user to better control its budget, but also his future contract clauses. At the time of the Internet, it has become easy to request quotes online, including car insurance. So, this gives you the opportunity to solicit different insurers, in order to get a better idea of the market.


The time to understand
Once the quote is established, you have all the time to understand the future contract, to think about the right questions to ask your insurer based on your profile. Without stress, you can study at best the different proposals that have made you. They must match your lifestyle and the use you make of your vehicle.

For a contract that looks like you
You know if you want to insure your car to the third party or all risks or guarantees that you want in addition to the level of assistance for example or ceilings of compensation and franchises.

Time to compare
Establish online auto insurance quotes, it is also taking the time to compare the different insurance companies. Through the different available comparators, you will thus have the opportunity to get a better idea of the auto insurance market.

Have the weapons to decide
Once the comparison made online, you can then proceed to the next step. With the quote which you are interested, do not hesitate to contact your insurance by phone in order to have the maximum amount of information on the quote that you have and make your choice in full knowledge of the cause.

Car insurance: find a discount/low cost auto insurance

Car insurance: find a discount/low cost auto insuranceThe price of a contract of insurance is an important criterion. Check out our tips to choose insurance discount!

Online auto insurance are deemed cheaper than those purchased from physical agencies. Through more a car insurance comparer, the potential savings are much greater.

In order to remove any ambiguity, the terms discount or low-cost return to auto insurance rates and not to the quality of the selected coverage. This means that it is quite possible to find a discount insurance and protective to his car.


Insurance discount: opt for a comparator of price
Today, more and more auto insurance companies implement offers 100% online. The primary benefit of these new contracts is that they are less expensive than agency. Thus, estimated 20 to 40% average savings that can be realized by the insured who have chosen auto online insurance.

Moreover, motor insurance online are often present on the panel of the comparators of insurance. This state of fact offers to the person who is looking for a contract of insurance the opportunity to compare several offers low cost.

Moreover, passing by a comparator of insurance to ensure the level of guarantees of proposed contracts.

Low cost auto insurance are available for all forms
While one might think that only the insurance to the third party, in that it covers civil liability compulsory law, can be found cheap, it is actually given to the savings on all forms car insurance.

Indeed, even for auto insurance all risks, makes the most complete insurance for his vehicle, the driver can subscribe a contract discount, able to well support the damage sustained on his vehicle or which it would directly be victim.

Car insurance: the importance of history to the underwriter

Car insurance: the importance of history to the underwriterHow your past of driver influence the price of your insurance?

Auto insurance prices are not fixed arbitrarily. Indeed, many criteria are taken into account to determine rates. It is because of the diversity of these factors that the prices vary so much depending on the model of car that you and the person who assured him. Because all these criteria, the history of the driver is crucial.

How does history affect prices?
Indeed, the profile and the past of the insured are decisive in the fixing of the price of the insurance. For example, a driver who has his permit for 1 year, will be considered more at risk than a driver who owns his 15 years. This will result in an increase in the rates for the young driver.


But there is not that the basic price that is modified by the history. Prices can still evolve after the signing of the contract, particularly because of the bonus/malus. This system, imposed on all insurers, reward good behaviour and penalise bad. Specifically, every year, the insurer recalculates its tariffs for each of its policyholders depending on their behavior the previous 12 months. Thus, those who have been responsible for any accidents will receive a reduction on their premium. On the other hand, those who have been responsible for an accident will see their premiums increase.

The criteria which are not taken into account
However, it should not be thought that everything, absolutely everything, is taken into account by insurers. Some criteria are not always successful or even are never selected. For example, if the insurers have the right to increase the price for those who commit an excess of speed, all do not.

The criteria that are never taken into account, include also for no parking fines, which are not expected to be included in the dossier of the insured and shall not be taken into account by the insurance. Similarly, if it is necessary for the insured to declare the handicaps from which it suffers, whether they are visible or not, the insurer has however not entitled to retain this criterion to justify an increase of premium: this is perfectly illegal.

Car insurance: intermediate car insurance: between one-third and the all risks

Auto insurance: intermediate car insurance: between one-third and the all risks
Discover the advantages of the intermediate car also known as the third most insurance insurance

When the insurance, the choice between several forms arises. Among the known formulas, there is the third party insurance and insurance all risks. But it is also possible to opt for a somewhat different and less known formula intermediate insurance.

Before explaining what is third party insurance, should remember what are the other two options.


Traditional forms
The third-party insurance is the legal minimum. It covers only the damage that you may cause to another person at the wheel of his vehicle. On the other hand, if one is involved in an accident which is not responsible for, it is the insurance of the driver responsible who will refund. Generally, a third-party insurance coverage is never as good as the insurance all risks.

It, on the contrary, as its name suggests, offers full coverage. Whether responsible or not, that a third party involved is identified or not, that you are victim of a natural disaster... It is always covered by insurance all risks.

What is the intermediate insurance?
To summarize, we can say that intermediate insurance, also known as the third most insurance, is a sort of in-between, at halfway between the two formulas presented above. It covers civil liability, theft, fire and ice breaking.

It is interesting for those who think that auto insurance in the third party coverage is too narrow, but have no means to pay auto insurance all risks.

As always in the world of insurance, it should, however, ask insurers to learn more because the companies offered warranties vary, not to mention the price.

Car insurance: termination by the insurer

Car insurance: termination by the insurerInsurance companies may decide to terminate a contract if certain clauses have not been met by the insured driver.

The insurer may reserve the right to terminate the contract of insurance of one of its policyholders in the following cases:

In the event of unpaid
If the insured does not pay its dues, the insurance company may then decide to put an end to the contract according to a certain procedure. In fact, the insurer must require the insured to pay. Without payment of the part of the insured, the insurance contract will be suspended within 30 days following the formal notice, and terminated 10 days after.


Strong liability accident
The insurer may also decide to terminate a contract of insurance in case of accidents involving a heavy responsibility of the insured, i.e. If the insured person has a blood alcohol content above the legal limit or is under the influence of a drug.

In the event of serious breach of the highway code
In the event of serious breach of the highway code, the insurer may still decide to terminate the insurance contract. The seriousness of these offences will be assessed according to the penalty imposed by the authorities. Also, a suspension of permit for more than one month or the cancellation and withdrawal of driving licences can also imply a termination of the contract of insurance of your insurer. Your contract will be considered as cancelled one month after notification in writing of your insurer. Include as serious offence, hit and run, which may lead to criminal prosecutions in the event of non assistance to person in danger.

Car insurance: termination by the insured

With or without cause, you have the right to cancel your auto insurance. However, need to know to choose the right time or the right reasons to terminate his insurance.

Termination due
Want to change the insurance contract, to take advantage of more attractive prices of the competition? It is possible, but only at maturity of your current insurance contract. Indeed, you can terminate your contract without cause.

Car insurance: termination by the insured
According to insurance companies, you must then serve your decision of termination two months before the expiry date of your contract or letter with acknowledgement of receipt, or by going to one of the agencies of your insurance company. So don't forget to keep a record of your visit and indicating your request for termination.

Namely
The Chatel Law requires insurers to send you a notice of expiry indicating your insurance for the next year. From the receipt of this notice, you have then 20 days to terminate your contract. This is the date shown on the envelope by post which determines the beginning of these 20 days. If your insurance company does not communicate you this notice, you have the right to terminate your contract without suffering any penalty.

Termination during the contract
You can request to cancel your current contract at any time in the following cases:
-You've decided to sell your car. In this case, the termination of your insurance will be taken into account within 10 days of receipt of your request. In addition, you will be more covered from the date of the sale at midnight. You can then transfer your insurance on a new vehicle. Some insurers reserve the right to refuse your request and ask the rest of the premium due. For this reason, it is better to sell his vehicle once the insurance contract come to an end.
-If your insurance company decides to increase your insurance premium, unless it is related to a malus, there you can still cancel your contract. You have then 15 days after the notice to terminate your contract. The termination took effect one month after the receipt of your application.

Car insurance: go abroad by car, what you need to know

You have decided to go with your car abroad, for holiday or for work. Check the terms of your contract of insurance to be sure to be covered.
Inquire before you go
Most insurance companies cover you in the event of accident abroad, but only in the countries listed on your contract. Ask before starting, in order to know if you will be covered in the country of destination, but also in the countries that you will go through to reach it. Otherwise, he is Advisor of insurance complementary auto, either with your insurance or another body, in France or in the country of destination. Remember therefore to note the call abroad from your insurance number.

Car insurance: go abroad by car, what you need to know
In case of accident
If you are in the European Union, you can call 112, the single emergency call number. As soon as possible, call your insurer or assistance so that it indicates a way forward for the towing of your vehicle or any accommodation or repatriation. As in France, you will then five working days to send your claim to your insurer.

The settlement observation
In most countries, European you will have something similar to the French statement to complete. Refer to the French model to complete the finding if it is in a foreign language. In the United Kingdom, a free paper return enough, however take care to note all necessary information, identity of drivers, registration, of the accident site, witnesses coordinates and insurance company. Do not sign anything if you're not sure I understood what is indicated.

Responsibilities and benefits
You will be then compensated according to the laws in force in the country where the accident occurred. Responsibility and amount of your may be different compared to the France.