Hello, there is the possibility for many insurance companies to negotiate a so-called discount protection, in which one is not reclassified in the damage-free class in the case of a maximum of one accident per year. However, if one changes the insurance, this discount protection expires, because the previous insurance of the new insurance informs the “regular” damage-free years. That is, the protection obtained with the previous insurance no longer applies and one will with the new insurance The new insurance also takes into account all accidents of the past and ranks the new customer correspondingly high with the number of non-harmful years (formally, the old insurance actually ranks high one second before the change and informs the new high SF class of the new insurance). On the basis of the above explanation, therefore, a policyholder after an accident rarely has an employee. The change would only be worthwhile if he had an extremely expensive insurance so far and the new insurance would still be cheaper despite the increase. The discount protection is bought by higher premiums. An insurance without a discount protection is always cheaper than an insurance with a discount protection. Until the damage occurs, the customer therefore pays more than he or she has to pay. As a result, you have to look for a new insurance policy and you have to be upgraded in spite of the discount protection. Then you would have paid your discount protection (in the form of a higher premium) completely free of charge and the insurance cover would have to be paid for all these years (in the form of a higher premium). In other places it can be read many times that the insurance by the discount protection wants to bind the customer to itself in the long term, because after a damage case he will now have no special interest in a change (as a higher classification threatens). This argument is contradictory insofar as hardly an insurance will have a longer-term interest in a customer, which makes regular insurance payments necessary. In any event, if an insurance company cancels after a damage event or not. As far as can be seen, it is entitled to terminate. Thus, the policyholder enters into the hands of the insurance company, which is always profit-oriented. Even at the time of conclusion of the contract, the customer can never be sure whether he can actually use his discount protection in the event of damage. Moreover, the rumor persists for decades that all insurance companies in the Sc hadensfall strive to limit their services to a minimum. Discount protection – Just a marketing trap?