Hello to the forum, I would like to take up here a topic that is interesting for all, who were before the question, whether the way or the change to a mostly (clearly) cheaper direct insurance is worthwhile…or whether it is recommended! In many forums and also with reviews in the comparison portals you can read Lobhudeleien, which however mostly have the content, how easily and quickly the change and the application processing went… Yes clear, each insurance takes with kiss hand everyone up and is lightning fast with the recording… they would be pretty stupid if they didn’t do THAT is not a measure of kindness… It’s only interesting when a damage has occurred and is to be settled! How does it react then? How difficult is the contact? How fast is the regulation? And above all, how easily ? Did you have on the contrary stress with a damage or even refusals ? What about culant ? These questions are interesting and say something about the kindness a So, I’m curious… what are your experiences? Greetings tom.58