Hello all, I’ve had my golf since Nov. 2012. He had a bigger accident (3500 € damage), and a few paint damage (key scraper over two doors, garage rempler) and I’m once set up with the car. Unfortunately I did all this with the fully comprehensive. At that time I didn’t know that this was actually not worth it for things under 1000 €. That’s why I am at VK now level SB 1 🙁 Unfortunately, the insurance has now also increased the prices. g I would have to pay 327 € in the new year. I find that quite violent, especially since the last damage was the key scratcher 2015. So the bigger things have been long ago. I don’t need the car necessarily, can also use the bus to work and in case of cases I would have reserves for a new car. The question is, if I expect the pre-damage of a four-year-old car to be fully comprehensive. KM-Stand is 62000. On the other hand, I love my golf and want to keep it and pet it too. The car is reliable and I’m very satisfied.