I have now found out that an insurance change is not particularly useful, therefore the new question Lt. my insurance terms and conditions I will be downgraded to SFK 23 for the first damage from SFK 25 to SFK 23, for the second damage then to SFK 10. If I should report the current damage and have a damage next year, that would be the second damage or wg. the new insurance year again the first damage, i.e. from SFK 23 to SFK 15. insurance year 2012 or only the regulation of the damage in 2013? And what if I should find out after the damage report that it would be cheaper to settle the damage itself. Can I simply do without the damage regulation and will not be upgraded? Old question: Quote: Hello, I received a contribution increase of about 20 euros from my motor vehicle insurance in November. Since the increase was quite small, I did not give up a notice. However, a few days ago I suffered a damage which I would like to report to the insurance company. As a result, my SFK from SFK 25 would deteriorate to SFK 23. The contribution would remain the same, but then I would no longer have any discount protection and it is not possible to take out such an additional insurance. Therefore, the following consideration: -I report the damage to my current insurance company and will be reclassified to SFK 23. The damage will only be recovered next year. -I use my special notice right and quit at the end of the year. -I switch to a new vehicle insurance with SFK 23, which offers a corresponding discount protection Is that possible or what would you recommend to me? Thank you very much.