Hello, I guess I have a special problem with taking over the freedom of claims class… Since 1993 I have been driving accident-free, two cars that were registered on me and insured by my mother. Since 1.1.2003 my mother has changed to the HUK Coburg with the freedom of claims class 25. The insurance was shut down on 3.8.2011 together with the last car. My mother died recently. I would have to be entitled to SF18. But the HUK Coburg now says that there is a deadline of 1 year to take over the freedom of claims class after use (decommissioning). Before, two other people told me about the HUK Coburg two other things. If my mother would insure a car, they would be able to take over the freedom of claims class if the insurance / autop had not been registered, too. This was so contractually regulated and agreed with the supervisory office. They would insure me with 75% new, or I could make an application for takeover d But he has rather little chance of success, and would need 3-4 weeks of processing. They would probably electronically confirm my mother’s freedom of damage class to another insurance. How can one proceed in such a case meaningfully? Bring lawyer there what? Should I simply try to negotiate with other insurance companies that take over the discount? In this case, I am a bit afraid that the consultants say “well, let’s make it clear” but then later retroactively SF0 is calculated. Gi Is this 1 year period after use for all insurance companies? Or is there any that have a longer / no time limit? I am grateful for all advice and ideas, also PM. mfg, Dennis EDIT: I have found a thread afterwards, looks as if Kravag and Janitos are more kulant in their general contractual terms! Many thanks to 1winki Quote: Original written by 1winki EDIT2: The car insurance company probably also has the same rules for taking over after insurance gsinterruption up to 7 years and seems to be much cheaper than Kravag or Janitos. But it’s a pure online insurer. The WGV has offered to do it on a client basis. Maybe this will help anyone further.