In advance the information: with my first car I have in 2021 SF 4, both as liability as well as comprehensive. (the info is probably irrelevant anyway anyway..) The whole coming problem we have with the second car. We received an e-mail from our current car insurer in February that they have received a different SF class from the pre-insurer. Therefore the current insurer has us for both the liability part as well as for the full kas The whole insurance history looks like this:1- For the first time a second car registered on 04.04.2019 with HUK. Only liability insurance. The next insurer will then be transferred by HUK the SF class the same way (I write lines 1-1 if there are any relevant key codes dr KH: 04.04.2019 – 31.12.2019 / RGJ 2020 GDV Slüssel 17 (SF1/2, beginning 1st half-year) 2- On 31.12.2019 HUK terminated (unfortunately), with the hope that we will pay less. Second year of insurance with One Insurance AG (wefox meanwhile), on 01.01.2020, again with SF1/2, since the colleagues of wefox think that I do not have this SF class for at least one year, therefore not the next level.So I have the SF class 1/2 again between 01.01.2020 – 31.12.2020. 3- We sold the car on 03.06.2020 and bought a new car. I have a new insurance, this time Verti AG. This time also comprehensive. So insurance year looks like this: 03.06.2020 – 03.06.2021, because apparently Verti is one of the few insurers with so-called underyear contract. Verti gets the SF 1/2 transferred. Therefore we are practically still SF 1/2. And supposedly the Verti classifies the contracts not at the end of the year (31.12) but at the end of an insurance year. 1. 4- Now our next insurer HUK24 is starting from 03.06.2021. They rank quite normal on 31.12 again. That’s why we are probably again SF1/2. and only on 01.01.2022 SF1. Here again a general info. I had no damage or anything else. Does this look normal for you? Why do I have to have the same SF class for almost 3 years now (until the end of this year)? Is this just my ‘pech’ that I often change the insurer or do you see any mistake with an insurer where you say “they should have reclassified you here”? Vllt. here’s another listing: – 04.04.2019 – 31.12.2019 (SF1/2 HUK) – 01.01.2020 – 03.06.2020 (SF1/2 One AG) – 03.06.2020 – 03.06.2021 (SF1/2 Verti) – 03.06.2021 – 31.12.2021 (SF1/2 HUK) – 01.01.2022 – … (SF1 for the first time) Thank you very much for your support. Any help.