Car insurance advice needed

63 posts in this topic

Posted

Hi folks,

 

We bought a car and are looking to insure it. The car in question is a small A-class Mercedes that will be driven mainly by my wife.

 

At the moment my wife still has an active insurance policy in Ireland which is due to expire in September. I've cancelled my policy before we left and I have a confirmation letter from the insurer of the 50% discount and 8 years no claims. My wife has been a named driver on my policy up to last year, when we got two cars and she got her own policy. In Ireland they took her experience as a named driver into account and gave her 50% discount, but the confirmation letter in her case clearly states "0 years in her own name".

 

I'm sure that I will be needing a second car at some stage, maybe in 6 months or maybe in a year, and I would like to find out what's the best way to go about it. I spoke to an insurance company and they suggested that I insure the first car (and they offered me 50% discount, SF8) and let my wife register it. And then when we're insuring the second car I wouldn't have the same discount but they would give me 85%. The second car will definitely be something bigger, so the insurance will be more expensive.

 

Wife's a bit peeved at not having a policy in her own name and not being able to work up her own no claims discount. Should she just start a new policy in Germany from scratch? I'm assuming nobody will give her a discount based on her 50% NCD in Ireland and 0 years.

 

What would be the best option for us? It's all new to me, since in Ireland one person can't insure two cars, so I'd never have the option of insuring both.

 

Also, in September her policy in Ireland runs out. Can she get a 1-month or 3-month insurance and then provide the insurer with a document showing her discount and 1 year claims-free, and get a cheaper quote?

 

As you can see, I'm not quite sure which way to go, and we need to decide soon as we need to pick up the car at the weekend :)

Different countries, different rules. I'm hoping for some friendly advice from Toytowners!

 

Thanks!

-1

Share this post


Link to post
Share on other sites

Posted

Chuckey: I´m an insurance broker but don´t have anything to do with cars. A good English-speaking contact in Germany for vehicle-interested expats is Astrid Rombey at jhg@culpeck.com. Be patient: she´s always busy.

1

Share this post


Link to post
Share on other sites

Posted

Are there any disadvantages to me insuring both cars? And is it possible to move the 50% discount to the more expensive car and have the cheaper one at 85%?

0

Share this post


Link to post
Share on other sites

Posted

Try phoning up your current German insurer and explain that your wife has often driven your car and there has never been a problem, now she needs her own insurance can they offer you a decent starting rate, etc. As you have some history with them they may be more sympathetic. If that doesn't work, or you think you can lever a bit more out of them, then ask about kundigung and getting out of your current contract (it's the right time of year for that) and see if they're more helpful ;)

 

Failing that I would assume your Irish insurer would write a note of the no-claims? This will be accepted by most German insurers.

 

You may not be aware that in Germany the starting rate isn't 100% but 130% (yes, I know :blink: ) so you want to avoid that she starts really at the beginning - even 100% is a minor victory...

1

Share this post


Link to post
Share on other sites

Posted

I understand you did have a second car on your name in Ireland with your wife as a named driver. How long (and from when to when) did you have the policy? Maybe you can transfer your second policy and get a confirmation letter from Ireland?

0

Share this post


Link to post
Share on other sites

Posted

We only got the second car in September. They gave her 50% discount based on previous experiece as a named driver, but I think that doesn't apply here. We got the confirmation letter but it states clearly "0 years in own name".

 

Next month when the policy expires she would have 1 year claims free. Since we're not living in Ireland anymore she won't be making any claims :)

0

Share this post


Link to post
Share on other sites

Posted

OK - I see two options.

 

1) Direct Line 0800-290 9003. They offer a "Zweitwagentarif". It will probably be in your name (maybe in the name of your wife). But that really does not matter and can be recified later - afaik. You should be able to get the 50% on your second car. However, a "Zweitwagen 50%" is not the same as a standard 50%. Talk to them. I guess there are some restrictions: only persons over 25 are allowed to drive and both of you must have a drivers license for 8 years (with SF8). You will not have to switch your first car to direct line (at least had been so with me). And if you switch to a different company later, they will only state the real years, but not the SF8 for your second car.

 

2) Try an online comparison: http://kfz-versicherung.focus.de/cgi-bin/WebObjects/aspect.woa/wa/focus?bereich=Versicherung_Kfz

Last time I did you got through it anonymously. AFAIR, they included Zweitwagen Tariffs.

0

Share this post


Link to post
Share on other sites

Posted

... however, direct line makes things complicated. While nearly all other car insurances are on calender year, they are on 12 month from policy start. This makes changing cars complicated, unless you start direct line at January, 1st.

 

Furthermore, you should always be able to switch the 50% to your next bigger car and take the 85% offer for your current smaller car. Please note, that the tarifs are not on car size, but more on typical behaviour of drivers of the make/model. Maybe, 50%+85% in this case is not too bad.

0

Share this post


Link to post
Share on other sites

Posted

After having lived for 20+ years abroad, I had a very hard time obtaining affordable car insurance upon returning to Germany.

 

By accident I came across a broker "Franz Peter Bräker" in Warstein. E-Mail: franz.braeker@vfm.de

 

Not sure about his English, but he managed to start me at 85%, which was a lot better than the 125% I was offered by all the other brokers. Saving me approx. 600 Euros p.a.

0

Share this post


Link to post
Share on other sites

Posted

Sorry only just joined Toytown today so if you are still needing help on car insurance in Germany please email me on astridrombey@culpeck.com or jhq@culpeck.com

0

Share this post


Link to post
Share on other sites

Posted

HI Astrid - tks for the info. Just like john_g who recommended you I am an independent insurance broker but do not offer car insurance among our services. Could you please send me your fill contact details by email (see link below), I'd love to help all those of my clients or inquiries who want to get a good car insurance cheap and would love to send them your way, too.

 

Cheerio

0

Share this post


Link to post
Share on other sites

Posted

You might find your larger car is not that much more expensive to insure. My wife's car (value 6k) costs about the same to insure as my big car (value 50k).

0

Share this post


Link to post
Share on other sites

Posted

Hi

I am planning to buy a Peugeot 206 ( 2001 model ) used car

 

There are lots of companies offering insurance , ..

 

I have a relatively new german driving licence , got in March 2010.

 

Many insurance companies as i calculated online cost at range of 1000 - 1500 euros in a year

 

Could anyone suggest if this is normal for a new licensee?

0

Share this post


Link to post
Share on other sites

Posted

Yes. You are a new driver with no insurance record. You'll be paying 125-140% of the standard premium.The make, model and age of the car are not especially relevant (unless it's very powerful). The insurance is presuming you are a high-risk driver and charging you accordingly.

2

Share this post


Link to post
Share on other sites

Posted

Hi

 

thanx for the prompt reply

 

125-140 percent of what? could you please tell me?

0

Share this post


Link to post
Share on other sites

Posted

It is a risk assessment. Over time you drop, if you drive poorly it raises, or you get kicked from the insurer if you are to much of a risk

 

Basically it means this is your first insurance therefore the rates will be sky high.

0

Share this post


Link to post
Share on other sites

Posted

yes everyone says that

 

but isnt there a range someone can guest

 

may be 1000-1500 euros in a year i.e. when i first get a insurance initially?

0

Share this post


Link to post
Share on other sites

Posted

Depends very much on what insurance you want, if you want liability only, patrial or full comprehensive.

 

We pay 1152 a year and my husband is at 70%. That was after we changed insurers we used to pay 1512.

 

SO I would assume you will be quoted at far far more. Same is true in most countries, I know it is in the US, my first 6 months driving I paid 1200 alone and that was just liability.

 

HOw is your german there shoudl be online calculators you can use to compare.

0

Share this post


Link to post
Share on other sites

Posted

kmm: there´s an English-speaking car insurance specialist called Astrid at Culpeck Insurance; freephone 0800 1696252. She´s recommended by a number of insurance brokers here and in the UK for expats needing correct information and good prices.

1

Share this post


Link to post
Share on other sites

Posted

thanx for that reference i will call up

 

used car i plan to buy is worth 3500 euros

0

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!


Register a new account

Sign in

Already have an account? Sign in here.


Sign In Now