Question 1

What does the sign up process look like?

Accepted Answer

The sign up process begins with getting a quick quote. This helps you to quickly compare the coverage prices that are offered. Once you have received the quick quote, we will reach out to gather further information about yourself, others that you would like to insure, and your car. You can choose to either respond to the email or schedule a call with us to go through the questions in detail. After we have gathered all the necessary information, and you are satisfied with the price and plan package, we can then sign you up for the policy!
We understand that signing up for a new policy can be overwhelming, which is why we strive to make the process as smooth and easy as possible. Our team is always available to answer any questions you may have along the way. Our goal is to make sure you have the right coverage for your needs, and our team will work closely with you to ensure that you get the best policy.

Question 2

When can I change or cancel my car insurance policy?

Accepted Answer

The cancellation of car insurance can always be done with one month's notice at the end of the insurance year. It is usually the 31st of December for most insurers after one year of holding your policy.
November 30th is the key date for the insurer to receive the cancellation notice. In the event that the insurance contract is not canceled, it will automatically be extended by one year. A "special right of termination" can be granted in addition to this so-called "ordinary" right of termination.
This includes a premium increase or a claim. In the event of a premium increase, the insurer must notify you of this one month before the revised premium takes effect. You then have one month after receiving this notification to cancel your car insurance. In the case of cancellation as a result of a claim, it should be noted that this is only possible if either the insurer has refused to assume the damage or if negotiations on compensation have been concluded. From this point on you have the option to cancel within one month.
You have the following options to switch your auto insurance in addition to the yearly right to terminate the contract:

Getting a new car: If you get a new car, you can also change your auto insurance because when you deregister an old car, your insurance coverage expires immediately. Depending on whether your new car is brand new or used, you'll need different documents to register it at the vehicle registration office. To be approved, you must have an eVB number (electronic confirmation of insurance).

Ownership change: If a vehicle's owner changes, the new owner is also free to choose and modify his auto insurance.

Special right of termination in the event of an increase in premium: If your previous insurer has increased the premium, you can cancel your car insurance within one month of receiving the relevant notification. This does not apply if the premium increase was caused, for example, by a downgrading in the event of a claim. If the insurer does not increase its premiums until the beginning of January, you can still cancel retrospectively as of December 31st.

Termination in the event of a claim:
In the event of a claim, you can terminate the insurance either without notice or at a later point in time within one month of receiving the notification of the conclusion of the claim or a letter of rejection. If you cancel without notice, you should have already taken care of new insurance cover beforehand.

Question 3

Car insurance: Who can drive?

Accepted Answer

All individuals listed in the insurance contract, in addition to the vehicle's owner, are permitted to operate the vehicle, provided they have the appropriate driver's license. The general rule is that insurance coverage costs increase with the size of the group.

Question 4

What protection does car insurance offer?

Accepted Answer

Car insurance primarily includes motor vehicle liability insurance and partial or fully comprehensive insurance. Motor vehicle liability insurance offers protection if you cause an accident and someone else suffers damage as a result. It therefore compensates third parties up to the agreed coverage amount or fends off unjustified claims. Motor vehicle liability insurance pays for damage to third-party vehicles, other property damage (to buildings or traffic facilities) as well as personal injury and financial loss.

Partially Comprehensive Insurance
Partially comprehensive insurance offers coverage for damage to your vehicle caused by theft, fire, weather, glass breakage, and accidents involving wildlife. It is important to note that this type of insurance does not cover damage to your vehicle caused by a collision with another vehicle. Partially comprehensive insurance is generally cheaper than fully comprehensive insurance, but it is important to determine whether the coverage provided is sufficient for your needs.

Fully Comprehensive Insurance
Fully comprehensive insurance provides the most comprehensive coverage for your vehicle. It covers damage to your vehicle caused by a collision with another vehicle, as well as damage caused by theft, fire, weather, glass breakage and accidents involving wildlife. In addition, fully comprehensive insurance covers self-inflicted damage to the insured vehicle or vandalism. This type of insurance is generally more expensive than the other types of insurance, but it provides complete protection in the event of an accident.
Motor vehicle insurance is an essential requirement for all vehicle owners which is why it is important to choose the right type of insurance for your needs and ensure that you have adequate coverage.

Question 5

When does my car insurance coverage begin?

Accepted Answer

Car insurance cover starts with the eVB, which is issued when you apply for car insurance. It is important to note that the provisional insurance cover begins as soon as you register your vehicle with the eVB, even before you make a payment to the car insurance company. However, it is crucial to ensure that you pay the first premium on time to activate your comprehensive insurance coverage. Furthermore, having a valid eVB is essential in ensuring that you can legally register your vehicle and have provisional insurance cover in the motor vehicle liability insurance.

Question 6

What does driver protection offer?

Accepted Answer

Car accidents can have devastating consequences, especially if you are the driver responsible for the accident or partially to blame. While health insurance or pension insurance can provide some financial assistance for accident-related costs, the benefits are often insufficient. The additional driver protection can help supplement your protection and provide extensive financial security.

Comparable Benefits as for a Liability Claim
With the car insurance's additional driver protection, you can receive comparable benefits as you would for a liability claim. This means that you can receive financial compensation for the damages and losses incurred due to the accident, such as loss of earnings, pension payments, or expenses for conversions to accommodate the disabled.

Benefits up to an Amount of EUR 15 Million per Claim
The additional driver protection offers benefits up to an amount of EUR 15 million per claim. This means that you can have peace of mind knowing that you are financially protected in case of any unforeseen events.

No-Claims Discount in Motor Vehicle Liability is Not Charged
Another advantage of the additional driver protection is that the no-claims discount in motor vehicle liability is not charged. This means that your motor vehicle liability premium remains unaffected, even if you make a claim for the additional driver protection.

We Count the Benefits of the Health Insurance Company or the Employer Against Our Benefits
It's important to note that the benefits of the health insurance company or the employer are counted against the benefits provided by car insurance's additional driver protection. This ensures that you receive a fair amount of compensation and are not overcompensated for the damages and losses incurred due to the accident.

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What does the sign up process look like?

When can I change or cancel my car insurance policy?

Car insurance: Who can drive?

What protection does car insurance offer?

When does my car insurance coverage begin?

What does driver protection offer?

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