MOTOR-TALK

Author: 00c12f

  • Cardif Insurance / Long-term Sickness and Unemployment

    Hello, I am currently long-term ill and the Cardif insurance also takes care of my monthly rate, after I had to make myself totally naked, e.g. release the doctor from the confidentiality obligation. So far so good, who wants to have a performance also has to give something for it. Now it is so that I have quit my employment on medical advice. Telephonely the Cardif told me that from the time of unemployment I would no longer have any entitlement to their benefits, since I do not blame It is only decisive who has resigned. I did not want this to happen, but I have emerged from my illness and the job search is a solution to get back to working life. Wouldn’t make a whole year ill in the sense of the Cardif as long as my health insurance company participates. What do you say about it?

  • Financing BMW 5

    Hello gentlemen, I recently financed a car 22 years ago and it was worth about 10k EUR, so I am a little inexperienced. I don’t have any loans or anything else. I will drive about 20K per year. I found a good 530e hybrid for 44K with the following values: BMW target financing 5.99 % Rate: 449,00 Euro/month Duration: 48 months Eff. Annual interest rate: 5,99 % nominal interest rate p.a.: 5,86 % tied Deposit: 12,500,00 Euro Final rate: 15,953,06 Euro Processing fee price: 0,00 Euro Net loan amount: 31,440,00 Euro Loan total amount: 37,056,06 Euro 24K on the clock and at the end of 2019 was the first registration. Is there a kind of consultant who also honestly advises? I could also pay the car completely, bar I would not want to lose so much but otherwise I would hardly have cash. Is it worth it, ideas, suggestions? Thank you in advance.

  • Used car prices negotiable?

    I am currently thinking about getting a young used car. When buying a new car, it is well known that almost all brands can easily negotiate substantial discounts. What is your experience of day registrations/show cars/annual cars offered on autoscout24 and mobile? Are these usually already combat prices, which could only be pressed in individual cases or only with special negotiating skill (which I don’t have), or can one be pressed of course, a lot will depend on the individual case or the specific dealer and I therefore do not expect a concrete forecast of how much you can get out of young used cars. I am concerned here with the question whether it can be useful to be interested in vehicles that are offered at a price that is slightly above my pain limit.

  • Financing BMW Bank termination insurance package

    Hello, I’ve already learned something about this topic from Google, but the topics were all a little older. I’m currently changing my vehicle and I’m satisfied with the financing of BMW as well. Now I’ve read that many people cancel or cancel the installment insurance + GAP insurance. Has anyone recently done this and tell me how it ended up? Insurance runs through the alliance. There I would withdraw. If the BMW Bank got an info about the BMW Bank, I’d like to know more about it. nd the rates are adjusted or how? The amount of funding is 27.900 euros and the insurance companies come up with 3000 euros. I find it crisp. Surely these products have your meaning and offer a certain protection BUT I happen to work myself at the Allianz (but not in the private customer sector, which is why I am ignorant) and am well secured. Thank you.

  • Financing BMW Bank termination insurance package

    Hello together, I have a big problem with the BMW dealer / BMW Bank. On 17.10.2022 I registered my new car and then picked up at the BMW dealer on 18.10.2022. On 19.10.2022 I then cancelled the insurance packages GAP + RSV by e-mail at the next possible date. Today I received a call from the “friendly” BMW seller and he said, due to the cancellation/dismissal of the insurance, must be made according to the BMW bank a new credit agreement/application the interest n 2.99% is now expected to rise to 5.49%. This is all to be signed as soon as possible and the applications are still going out by Express today. I meant that I am not mindful of this and I signed a contract with 2.99% and want to keep it that way and that the insurance packages are independent of the credit agreement. His answer was that this was not possible and the BMW bank could say bad-ass, return the car (vehicle registered). h now turn to the BMW bank. Can anyone possibly tell me how I can best solve the problem now? I thank you in advance for your help. Lg, Ervin

  • Does a dealer (here Suzuki) know when an ordered leasing vehicle will be delivered to him?

    Hello, we are “in glad expectation” of the birth of our little Suzuki Vitara and have difficulty getting information about the delivery date to our dealer with whom the leasing contract was concluded. “Unbinding delivery date” would be next week and for two weeks now I have been calling the dealer to see if it would remain (after all we also have a scheduled delivery date for our current leasing vehicle at another dealer). . Basically I do not reach the responsible persons and recall requests are only … let’s say benevolently “tough” complied (up to 1 out of 5) Before then – without reference to my specific case – an employee of the company told me that one could not call any delivery dates anyway. Only if the car was delivered, one could make an appointment with me. On my request: No, one also does not know whether a vehicle was on a ship and where this ship is Then you stand there with your mouth open and ask yourself: “Uhm … how please?” Can anyone judge what the lady told me? Trying to escape – or is that really so. P. S. Sure, I’m still trying to reach the responsible employee (1 working, 1 sick, 1 holiday) and of course I’m clear about the “non-binding” and the 6 weeks and the deadline setting etc.

  • De-sulphating Nox-storage-cat

    Hello, someone knows how the process with the current Euro 6 diesels runs, or I am interested in the PSA DW 10 2.0 with 180hp background: I received an update from Ford in May due to a calibration error that can lead to increase Nox emissions. In June he then regenerated the DPF 5 times in a row, the last time on the AB on vacation. Yesterday I am going home, shortly afterwards the regeneration started again 5km village and country road then 7km constant 100 km/h on the flat country road. There the regeneration was finished. This morning on the way home he started already again. Now I thought maybe a de-sulphatization is necessary and the necessary exhaust gas temperatures are not reached on the country road?

  • Which insurance does excavator/excavator loader insurance cover?

    Hello guys,I have the following problem,I own an IHC excavator loader,this has an ABE in it that he is registered and insurance-free and 20kmh fast!Now you’re never in it and the risk always drives with you, so I have closed the days at Zurich a private liability and additionally insured the excavator loader against 20 euros surcharge per year,it was said that all journeys are insured also without certain destination and purpose,also I should f own or on the grounds of the parents do work with the machine!Now yesterday the contract came into the house fluttered in which stands the only insurance cover on own premises (so if one is registered in the land register) and also no journeys over the road are covered!Well I will come out of the contract even if I have been told he has a duration of min 5 years!

  • Liability damage, what can I assert ???

    Hello everyone. I had an accident on Monday, which was not my fault. The accident opponent, has already acknowledged his guilt and his insurance ( DEVK ), has already informed me that you will regulate the damage. Since this is my first accident, in which another insurance company bears my costs, I unfortunately do not know exactly what to pay attention to. An expert report has already been prepared, which shows that my car has a total damage and no res Since I have only been driving the car (an Astra F Gsi with the reverse tuning measures ) since October last year and have paid more for the car than the report now gives, I am already totally eaten up. Do I have to accept the so that I can get very probably less for the car than I have paid for? What can I do for fronts, in which opponent insurance applies d to keep my financial loss as low as possible? I would be very happy about your advice / tip ́s. Greeting Martin

  • Car brand justified by technical defect – downgrading in liability?

    Hello, I’m new here in the forum and have a question about car insurance! In December 2007 my vehicle burned out completely in my parking lot directly in front of the house. The DEKRA expert commissioned by my insurance company attested a technical defect to the battery (at my Audi A6, year 1996, at the rear left under the rear seat) by a mass closure at the plus pole after the central locking operation. The vehicle then completely burned out – total damage. The fire damaged a carport and a car parked on the left side of my car. I logged off my Audi shortly afterwards and let the contract rest until today. The developed SF-classes remain with me, so the information of my insurance then, at least for 7 years. The damage was settled as partial cascade damage – to my knowledge, after such events no reclassification in the SF takes place. Now, one and a half years later, I called this week at my Car insurance to register my partner’s car for me, because I have a better SF-Class (2 x 22) to save money. The nice lady on the phone told me that I had been reclassified in the liability of SF 22 to SF 10, because the insurance paid out a service to me (the residual value of my Audi). To my knowledge is a fire damage (also caused by force majeure – technical defect according to expert reports) with all damage regulations, which Dami Is the reclassification of liability justified in this context? Who can give me information about this here or has had similar experience with his insurance?