Good evening, a few days ago I received mail from Admiraldirekt, where I am now insured for 2 years and 10 months of liability. My annual insurance costs were increased by about 15%. In advance: I was 2 years and 8 months with my old car with the Admiral. In September I bought a new car and booked the vehicle change online via the Admiral website. I am pretty sure that it was also declared as a vehicle change. I had all In the past year (after 1 year and 5 months) I had a self-inflicted accident with my old car for which the admiral jumped in for the time being. However, I had quickly settled the damage myself, so that there was no upgrading. In addition, I could not see the reason for the cost increase on the basis of the letter so that I had called the hotline and asked for information. The lady at the other end wanted to know This is not true because I have never been fully insured before. I have clicked through everything again and even if I enter the damage in the liability field, I am entitled to my actual insurance contribution and not to the currently increased one. That is, since I had an accident, even if I paid the damage, I was punished. I could not believe this so that I could make sure that I had the damage. In addition, I find nothing in relation to the “criminal fee” amount. In the ABB, various factors are listed: The contribution for motor vehicle liability and insurance is based on the following tariff characteristics: … B.11 Car damage (also unindebted) in which the policyholder was involved as a driver (from three years before the start of the contract) … That’s not true or does a vehicle change count as a new contract? Furthermore, I find nothing in relation to the “criminal fee” amount. but not in how far they affect the costs. Do you have experience in this and can you give me advice? Switching is not an option despite the increase because the Admiral is by far the favorable provider due to my circumstances. LG B5Limo