Hello dear Motortalker, I have often found help on the websites here, but I can’t find any solutions or explanations about my current problem at all. That’s why I just signed up and hope that you will also try to explain something to a newcomer I bought a SEAT Leon as a day registration with my girlfriend at a vehicle dealer on 04.10.2017. I had not insured any vehicles on me until then and could not have been SF years from third parties either. The vehicle was now insured with the SEAT insurance service from 04.10.2017 until 03.10.2018. Afterwards I made an insurance change to the VHV and stayed there until 31.12.2018. In the VHV insurance I then had to know that I was classified again in the SF class 0 in spite of 1 year of insurance contract (at SEAT SF class 0) until 31.12.2018. At that time the lady of VHV explains that the deadline for you is 01.01 and I was of course led under SF Class 0 during pre-insurance. Therefore, they could only put me in the SF 1 on 01.01.2019, which sounds absolutely logical to me. However, I then switched to the HUK24 on 01.01.2019 and was of the opinion that I would be graded into SF Class 1, so I also specified that. Yesterday I got the notification that I would be graded later into SF Class 0 and can now be classified as SF Class 0. Of course, since the purchase, the vehicle has been permanently insured against me personally and of course I had no damage events during this period! So the bottom line is that I have insured the vehicle for 16 months and am currently put in the SF class 0 for another year. Is that right? Did I shoot my own leg through my change of job or is there a mistake on the part of the insurers? Would HUK24 have a hotline of course, I would have called there quickly, but that is of course not the case. Thank you very much for reading and for the answers LG Rajester