Servus all, I plan to buy a car soon, now I am making myself smarter. With some online calculation you have to enter the SFK yourself somehow. According to FAQ: Normal is the start with SF 0 =(230 %). The intermediate stage SF 1/2 (110 to 140%) get: – second car (first car must be SF 1 and higher) – driver’s license owner with more than 3 years FS duration for car my indication: – driver’s license since 12.2001, but no car only max rented. – no family/relatives, therefore must starting from the beginning. As a car will be an approx. 3000€ inexpensive student car for my diploma thesis, should this have KH/TK/VK? I expected at Allianz24 my profile for a 2004 Renault Twingo 1.2 Soleil: KH: ~660€ TK: +66€ (SB150) VK: +750€ (SB 750€ / TK SB 150€) What do you have? Thanks in advance bakachan