Category: KFZ-Versicherung Forum

Hello, I want to change my insurance now and have come across the comparisons. What I have read, however, is that these comparisons probably cost a lot for the insurance companies and therefore are not complete. Which insurance companies are you and are there, if necessary, insider tips that you can not find about the comparisons? Currently for me with my Golf VI the DA Direkt is the cheapest with 610,13€ per year for HF+VK. In the Inet st And still, the DEVK wouldn’t be in anywhere, but they were ~50€ more expensive with me. Also, I don’t know if the rates shown are good performance. So, where are you and how did you find that?

hello people, I wanted to ask you something, although I have 3 cars insured with the alliance. I received today the new documents or notification of the insurance consumers for the coming year 2012. I must say, all 3 cars have “extremely” increased, OBWOHL did not have an accident or damage regulation, and it has nothing to do with the one step, because I have looked on the internet page, 2 cars have even fallen by one level, the other has remained the same. can I explain this to myself? there are no price differences of 10-50€, but from 100€ to 190€ following sf have I sf15 sf 6 and sf 4 is it also so with you? with the alliance or also with another insurance?

Hello dear Motor-Talk municipality , I have the following problem: I have changed to an online insurance since 29.09.11 with my new car (change of vehicle), whose name I do not want to mention for the time being. Since I am only 19 years old, these online insurances came to me very much due to the favorable price. Before my conclusion I informed myself of course in detail about it. Nevertheless I missed something: And I wanted the percentages (SF) of my mother (since 2007 style It was SF1. On-line I signed the contract without further thinking and informing (unfortunately). When I arrived at the beginning of November the “application for the takeover of the damage-free years” was very surprised: As far as I had informed myself, I thought that the takeover of the SF on me (child) simply went -> wrong The requirements of these insurances were that the SF would not be shut down for more than 6 months ften. Now I have the question, if I can cancel this insurance already at the current date, because they will probably classify me in SF 0 (!!!)? Or do I have to keep the insurance until the end of this year and can only start a different contract on 01.01.2012?? (If of course I quit now in November) It is unfortunately a lot of text, but I hope you can help me anyway. Thank you already in advance Greetings

We had a self-inflicted accident, all-inclusive insurance. We have not yet received expert reports in writing, the figures are from telephone calls with damage processing. WBW: 14.500,- Repair costs: 9.000,- Rest of value according to the balance exchange: 6.290,- I am a little confused, the damage manager has told something about the possibility of billing as total damage, but according to the pure figures it does not seem to be a total damage. be, since repair < WWW? Or are there any other rules? On request I did not get a clear statement. In case of total damage we have in the contract replacement of new values within 24 months, or refund used car purchase price within 12 months. Car was daily registration, which we bought directly from the dealer, purchase price 16.000,-. Accident happened 11.5 months after first registration (day registration). Total damage would therefore actually be the most unfavourable for the insurance company or am I wrong here?

Hello and good day, I just drove a lady in town against my car. She wanted to turn and missed me. Good that the damage does not seem to be very great in my opinion. How would you proceed? Do I have a right to an expert without staying at the expense, or a part of it? How much do you value the damage? The damage was taken by the police, the accident was rated 01 and warned with 35Euro. Have you ever taken pictures of the damage? Gt.

Hey, I have a question about the registration and insurance. My friend buys a car next week, his insurance man told him that the best thing about the insurance is to register the car as a second car with his mother (VHV). His mother lives in town A, but he lives in city B, far away, he buys the car in his city. The insurance doesn’t allow UN and holder to differ from each other. Now the question, how does it work most easily with the re-registration? Is that clear, we have to have the car without a license plate on a private car, send the license plate to his mother, who reports in her city around with registration plate for city A, sends it back and we build it? I find that very complicated. Is there any other possibility? Greetings and thanks lemo

Good morning, my car probably attracts the bad luck automatically. A truck with its trailer against my A3 8 P “smacked”. The left fender is completely in the bucket. The demanding bumper has also noticed something, thick scratches on the upper part of the bumper. Bumps are not available. Now to my questions: What does it look like when handling with the opposing insurance? Do I claim to have a completely new bumper, or is the bumper simply leased and painted? W Is it possible to include this in a cost estimate or is it necessary to give an opinion? Thank you for your help. Greetz André

Hello, my father died a short time ago. In our house there are two vehicles. Both are still registered to my father and insured as first and second vehicles. The first vehicle was driven exclusively by my father, the second vehicle my mother and me. Now we want/must register the vehicles on my mother and insure them. My father had reached the damage-free class 14, i.e. 40% in the first vehicle and in the second vehicle 7, i.e. 60% in the second vehicle. r assumes that my mother can take over these percentages completely… However, my mother has only had her driver’s license since the end of 1998 and the insurance now wants to classify the first car with 50% damage-free class 7. The second car should keep its damage-free class. Isn’t there a way to take over the full percent of my father? Furthermore, it is important for the insurance of how long the vehicle is registered on the driver. if the vehicle has to be rewritten, is it for the insurance as if my mother had only owned the vehicle today and the contribution is accordingly higher. Is there a way of making the insurance clear that the vehicle is family owned and not just recently acquired?

Hello! I was originally insured with my vehicle over my mother at a different company than at present. Insurance as said always about the mother, vehicle basically registered on me. Here I had had some partial cascade damage. Not that I would always let everything be done because it costs nothing, I just had bad luck. 3 – 5 damage will have been there. Always windshield, on our dirty highway here flies in there constantly something. Now had I changed company in the middle of 2005, because I bought a new car. My representative at the time probably pointed out to me that one will probably quit this time, with so many damages, but it could not come that far, because I was simply faster by vehicle change. I avoided the highway, but well…. I had already had the percentages rewritten at the new company at the beginning of the contract. Thus the contract did not just run. I went on to another company, but with the SF discounts transferred to me to my name. Stupid, one can say, if one knows that already on the approx. 250 km long drive home by a heavy stone blow the disk !!!RISS!!! OK, there you made no bitches, the damage was paid. Now I had with the company until today no damage, but now, with my new car I have one again. Because on the great highway is ne construction site and natürli I know this company and with people who have no mercy. I know that there is a damage file for the complete, which serves to make sure that not one and the same damage can be counted several times on expert reports and to expose fraudsters at all. Question 1: Is this also true for TK? Ask me if I have a stone in my window – you only have to have bad luck. Good, okay, a stone blow in a good 2 years – that’s not unusual. e 2: If I now cancel the insurance and am simply so fast that the insurance does not make it in front of me, then I have also “officially” quit as a UN, right? Do I really see this? Can I cancel the entire contract? So with liability? BETWEEN NOTICE: I still had an HP damage and never had a VK damage. Question 3: Suppose I quit there now and look for a new insurance. Normal is not asked for TK damage. Then I don’t have to do it either. But I can also give the one well, it can just happen. Then it should be smooth with new TK? Question 4: Because of the takeover of the percentages a new course started for me. So I should have had 2 TK damage officially. Do I see that right?

I have logged my car off at a neighbor standing in the barn.Now a board has broken off from the ceiling and left scratches and a dent in the hood.What insurance does this for ??The liability of the barn owner???