Absolutely not recommended! I was with another insurer 8 months in 2018 and then changed to Bavaria. Then for 4 months registered with Bavaria in 2018. Bavaria did not suit my accident-free 8 months from the pre-insurer, but will only recognize the SF at Bavaria at the end of 12 months of continuous insurance. Thus I have to drive 20 months accident-free to come from SF 30 in SF 31. This is so hostile to customers, which I have not yet received from anyone. I will also report it to the supervisory office. And what I have read now about Bavaria Direkt – GRAUENVOLL – Fingers off, there are enough good competitors who are not zockers!!