Since my standard of living has been minimized to a Bafög earnings, I am looking for a new insurance every year. Last year I was at AXA, this year I changed to http://www.deutscheinternetversicherung.de, because I was able to include less a TK for the same premium or 50€ p.a. My tip: From October on, inform yourself in the i-net and make an online insurance comparison… Gives in masses An example: http://www.autoversicherung-online.info/ Basically ma I’m going to get my contracts via i-net with direct insurance: 1. no troublesome representative visit 2. you don’t have to find any excuses for insurance, which you get in addition to the desired contract. 3. the cost savings of the insurance, due to saved funds for wages of the representatives and administrative costs in general, is transferred to the tariffs and so they can then offer these hardly impactable Dumbing-premies, which no insurance representative can get – at least h And the excuses – but in case of a damage case I have no contact person. Wrong – well no contact person to touch, but to call. Most have 24-hour hotlines. I have enough damage (there I can tell stories – later) – problems with damage regulation actually only years ago with my representative. Direct insurers have sent VR checks without mucking within 1-2 weeks. If interested – only request! LG Katjuscha