If you choose an appropriate insurance for your car, should not only be relevant to the premium!
Here are some tips and info:
deductible (SB)
SBs are in the automobile liability insurance not common. Some insurance companies offer calling plans, however, in which the premium is lower when the SB in case of damage agrees.
Bonus / Malus
careful with bonus and penalty to the possible deterioration of classification and take advantage of benefits from family relationships.
repair and total loss
repairs by third party negligence are typically up to a maximum amount of damage. 10% of the replacement value of the vehicle taken by the compulsory insurance. If the damage is greater, shall be made on the basis of a total loss settlement compensation. You will receive the replacement value minus the residual value of the wreck. The wreck itself remains as a rule you can and used by you (sold!) are.
vehicle insurance to your premium is the legal vehicle insurance tax due. The amount of this depends, among other things, the payment of the premium. The cheapest is the annual premium payment. The state requires
- 10% surcharge on a monthly,
- 8% increase in quarterly and
- 5% increase in half-yearly payment.
termination be liability insurance policies extend to one year and then automatically for another year.
policyholders:: Both the insurance company and the policyholder following termination options have you can each year to the end of the term or the premium increase with a period of one month's notice. The sale or scrapping of the vehicle are grounds for termination, not the mere cancellation. they also claim a right of termination.
insurers Also, the insurer may terminate the contract year. Also, the insurance terminate in the event of damage within a month. Can not find other insurance, will you by the Insurance Association an insurance policy assigned to the surcharges may also be charged to 50%.
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