Hello together, due to various online insurance calculations, a fundamental question now arises with me: Under what conditions does the damage-free discount of our car liability change, if soon our 18-year-old son is added as an additional driver????1.Case Suppose I already have a car liability with e.g.SF2 (85%): If our son is accepted as an additional driver nothing changes at the SFR 85% and the liability fee increases vergleic hrsig moderate from 315.-EUR to 479.-EUR:2.Case The Fzg. is insured as a second car with SF2 (85%).If our son is accepted as an additional driver at the same time, then the liability climbs to SF1/2 (140%) and thus from 315.-EUR to 789.-EUR!!! Must the second car contract first exist a certain time, so that this SFR change does not take place to 140%?3.Case The Fzg. is insured for the first time with SF2 (85%) on my wife. If at the same time our son as an additional driver If I have been admitted, then the liability climbs to SF1/2 (140%) and thus from 374.- EUR to 936.- EUR!!! Does the contract have to pass on my wife for a certain time, so that this SFR amendment does not take place to 140%? Obviously it is also the case that the SFR percentages do not correlate with the EUROs actually to be paid and many other factors play a role. I was surprised to hear the following: – if in my existing insurance the Filius as an additional factor – if I take out a new insurance policy (e.g. new second car or new contract on my wife) and add the Filius, then it will be really expensive! Am I completely on the wooden way with these online calculations??? Who can bring some light into the dark for me??? Thank you for your help Gerhard