Our daughter has passed the driver’s license for a few days and participates in the accompanied driving BF17. The consultants of the Allianz direct are completely incompetent by telephone and said first that it is not possible to expand the driver circle from 12.12.2020, since the annual fee has already been deducted from 290€ in January. After repeated calls and other consultants we were told that it is somehow possible. Our daughter was registered as a driver. e then also in 2021 rise from 290€ to 518€, which is ok, too. Now we have been charged 160€ retroactively for the year 2020 in addition to the annual contribution of 290€. This was not communicated on the telephone and it is a cheekiness to reclaim the increased annual contribution in full amount 3 weeks before the end of the year, just so that the daughter will drive this year maybe 10 times by car. Is the insurance in the right or can I claim the money back and on proportionally Is there a calculation for 3 weeks?