Search good car insurance, low downgrading, no objection in case of gross negligence, etc.

Hello, can someone give me an insurance that meets the above mentioned conditions ? Also special agreements should be possible. Currently I have discount protection and I would like to keep my old SF class (before the UN case). Some do that, that they take over on the condition that still a Rabat protection is concluded. Verti and VHV e.g. I am currently at the WGV Himmelblau, which had classified me from SF 36 to 20, because of a UN case. That is a lot ode However, r? VHv ranks back from 36 to 18. Please let me know soon if you think of anything, the change must be done yes by the end of the year; it has already been cancelled. Thank you and nice holidays!