Evening, I don’t really see how it works with an insurance change for beginners, mainly because of the SF class. Just a few data about me: – Geb. 07.07.2000 – Driver’s license: 19.04.2018 – First car insured on me: 26.03.2019. Since I have my first car, I am insured with the LVM with SF3, because my mom is already longer there. However, the LVM is relatively expensive, so I would like to change (89€/year at 9000km). i of course a special discount, which can not be taken to another insurance, is also in the contract. Last week I talked to someone about my insurance, who said that if the insurance change is attempted to pass as much as possible SF class to the next insurer. Then he said that I would have SF1 if I changed to 01.01.2020. Now I have written with someone from Verivox customer service, which he after I wrote again that I am a novice driver, he said that I had SF0 with a change. In the Verivox comparison the CosmosDirekt with base protection SF1 was about 157€ cheaper. In addition, there would be 60€ cashback. I would of course rather believe my insurance, and ironically change directly, but by now I really have no idea who to believe and what to do. I hope someone here can give me help, thank you in advance But please don’t come here with SF2 when changing to LG Niklas