Good day and happy new year , I am from 01.01.2014 in SF4 and pay now monthly 96€ with an annual driving performance of 30,000km VK500/ TK 150. I have now seen in the insurance configurator that there is a discount protection for HF and VK (should you take both or with a VK insurance only the VK discount protection ?). I now do not really know whether you need both discount protectors or only for VK or only for liability. The contribution increases with HF RS (discount protection ) to 1 06€ monthly and with both at 116€ monthly. If I have no discount protection I would fall back to SF 2 according to the downgrading table then I would pay 113€ monthly. At first glance I find the discount protection overpriced …do you advise me or don’t pay it?