I’ve already used the search function, but I didn’t get much out of it, so I’m asking you again specifically for my case: I recently bought an Audi A3 8P year 11/2007. The car has 57000km and has a slight hail damage. Price was 700€, so a real bargain, because the value of the racket is about 10990€ and the hail damage was estimated at 250€ and I can also go to nem Beulendoc and can have it repaired for only 1000€. I think I’ll leave it that way for the time being, because that’s hardly noticeable. So, now I took up a loan for financing, i.e. I decided, of course, for a fully-fledged directline. I had briefly considered the exclusive tariff-fledged SPAR, which only exists with directline; means exactly: Total damage is paid as with full-fledged damages, but not minor damage. So is located between partial cascade and fully-fledged though price-wise as well as from the services and thought for cars from an age of about 5 years with still relatively high residual value. But I think that I rather let it be because a direct insurance like this one has to come somehow to money and they will then put everything on it as little as possible to pay and exclude everything possible, because I rather pay n couple of euros more and have everything in it. Since Directline is notorious, customers also like to quit, if too many accidents have happened, I have a Raba for safety reasons. ttretter built in, which means I have an allowance per year. Only I ask myself now, how much excess should I take with the comprehensive? 150€ SB : 840€ 300€ SB : 755€ 500€ SB : 720€ 1000€ SB: 650€ I had briefly thought about taking 1000, because I still have a bit of something on the side, but actually I didn’t, because it belongs to the loan, of which the 300 are more reasonable. I calculated that you have to drive about 7 years accident-free, so that the annual Erspa But as soon as you have an accident, the shit is steaming at a higher SB. Statistically speaking, the German is building an accident every 12 years, so on the other hand, it would have to go well, but at least chess sense again, because I certainly don’t guarantee the car for 7 years more comprehensively. So, what do you think? Thanks for your tips in advance!