Moin, short question about the practice in car insurance companies: I, 21, want to buy first car and insure myself, contract about parents / grandpa etc. unfortunately withdraws. Never had a car insurance, have had a driver’s license for almost 3 years. Now the insurer of my parents offers simply the following: Because my parents have insured car there for x years, I can enter as a son directly with 85% (instead of regular 230 %) in the liability, which corresponds to SF 3 – m The parents are not legally involved in this.The following idea, and my question to you is whether the companies are involved: I assure a car for the duration of one year with just this insurer of my parents and pay there for SF class 3 / 85% liability. After a year I quit there and switch to one of the much cheaper direct insurers proposed at check24. that direct insurer (I don’t know yet, which one ) then classify me in the SF 3 or alternatively with 85% or would they say: You can not have driven at all 3 years accident – / regulation-free, but only 1 year, so we only offer SF 1 ?! So can I take such a special discount with a special insurance to other insurances, which do not have such parent customer loyalty regulations ? Thank you !!