Hello, I would have to insure the days of my BMW 3 (EZ 12/2017) and was referred to HUK24. The price is compared to ADAC and others still cheaper. Car is financed and still has 0.5 years factory warranty and 3 years EuroPLUS. If I make the Kasko SELECT with workshop connection, then I would save 125€ a year (827€ a year instead of 952€). At the moment I live in Aschaffenburg shortly I would move to Frankfurt. Now my question: How are the Erfa I have also read that you can have the amount paid out, which would charge the partner workshop. Of course, there could be a big difference here, if I had something repaired at BMW because of warranty/accuracy. Should I bite in the sour apple and still prefer to pay 952€ a year or quarterly 238€ and then have free option? Thank you for your opinions! VG Burak