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CAR INSURANCE in GERMANY
Posted on 18.02.2005 13:22
CAR INSURANCE in GERMANY
Hello guys,
I am looking towards buying a car now. This will be my first CAR in Germany, and so I will be grateful if you could pour down your valuable advices on buying a car, where to buy and which insurance to opt for.
I would also appreciate if you could share your experiences (good or bad) with me.
chandra
Member since 14.05.2004
Posted on 18.02.2005 18:43
Re: CAR INSURANCE in GERMANY
@nsoni
If u are not able to get a 'no claim' certificate or ur old license from the authority, then try at MLP.One of my friend got 100% with a German license less than 6 months old.
If u are bale to get a 'no claim' certificate' then keep trying different insurance companies.I found one after few tries which offers me 55% as i had no accident in the last 5 years of driving.
sanjayj
Member since 13.01.2004
Posted on 21.02.2005 13:34
Re: CAR INSURANCE in GERMANY
100% with less than 6 months old driving licence. Sounds quite surprising to me(quite cheap too). I will check out MLP and the other one also(the one by DvD).
Because so far I found that if your driving licence is older than 3 years, then Versicherung will start at 140% otherwise at 240%(for a new licence).
nsoni
Member since 17.12.2004
Posted on 21.02.2005 13:57
Re: CAR INSURANCE in GERMANY
Hi Guys,
One of my colleagues also told me the same about MLP.He got his license last April and bought a car in July. He got 100%.
Seems this is a good insurance company.
By the way I have a Indian driving license since 2000. Will this have an effect on my insurance?
chandra
Member since 14.05.2004
Posted on 21.02.2005 14:33
Re: CAR INSURANCE in GERMANY
I wonder if after giving insurance at such less rates(like 100% for almost new licence) will they(insurance company) later encash our accident claims or NOT(simply run away) 
??
Also is this 100% the rate for Vollkasko or Teilkasko Versicherung?
Soni
nsoni
Member since 17.12.2004
Posted on 21.02.2005 16:17
Re: CAR INSURANCE in GERMANY
I got a reply from MLP:
Sehr geehrter Herr .........,
vielen Dank für Ihr Interesse an MLP Car.
Bei der MLP Versicherung AG erfolgt unbeachtet der Dauer des Führerscheinbesitzes generell eine Ersteinstufung in Schadenfreiheitsklasse 1/2 (100 % Beitragssatz) bei der Eindeckung eines Pkw. Wird ein anderes über MLP Car versicherbares Risiko eingedeckt (z. B. Kraftrad) erfolgt die Ersteinstufung in die Klasse 0 (z. B. 70 % Beitragssatz)
fred
Member since 15.04.2004
Posted on 21.02.2005 16:53
Re: CAR INSURANCE in GERMANY
@nsoni
I mailed MLP with your question, and got a reply:
Hallo Herr ........,
ja dieses 100% SF Klasse gilt auch für die Vollkasko.
Teilasko hat keine eigene Schadenfreiheitsklasse.
fred
Member since 15.04.2004
Posted on 21.02.2005 16:58
Re: CAR INSURANCE in GERMANY
@fred - thanks
Any 1st hand experience with MLP - regarding claims ??
Soni
nsoni
Member since 17.12.2004
Posted on 22.02.2005 09:07
Re: CAR INSURANCE in GERMANY
MLP again:
die Schadenfreiheitsklassen gehen jährlich nach unten insofern Sie keinen Schaden haben.
Hier die Schadenfreiheitsklassen in Haftpflicht und Vollkasko:
Haftpflicht Vollkasko
SF 1/2 = 100% SF 1/2 = 100%
SF 1 = 100% SF 1 = 100%
SF 2 = 85% SF 2 = 85%
SF 3 = 75 % SF 3 = 80%
SF 4 = 65% SF 4 = 75 %
SF 5 = 60 % SF 5 = 70 %
SF 6 = 55 % SF 6 = 65 %
SF 7 = 50 % SF 7 = 60 %
SF 8 = 50 % SF 8 = 55 %
SF 9 = 45 % SF 9 = 55 %
SF10 = 45 % SF 10 = 50 %
SF11 = 40 % SF 11 = 50 %
SF12 = 40 % SF 12 = 50 %
SF13 = 40 % SF 13 = 45 %
SF14 = 40 % SF 14 = 45 %
SF15 = 35 % SF 15 = 40 %
SF16 = 35 % SF 16 = 40 %
SF17 = 35 % SF 17 = 40 %
SF18 = 30 % SF 18 = 40 %
SF19 = 30 % SF 19 = 35 %
SF20 = 30 % SF 20 = 35 %
SF21 = 30 % SF 21 = 35 %
SF22 = 30 % SF 22 = 35 %
SF23 = 30 % SF 23 = 30 %
SF24 = 30 % SF 24 = 30 %
SF25 = 30 % SF 25 = 30 %
Die Teilkasko hat keine eigene Schadenfreiheitsklasse.
fred
Member since 15.04.2004
Posted on 23.02.2005 14:28
Re: CAR INSURANCE in GERMANY
I got my first car while I still had a foreign driving licence - I had to start from 125% at Deutsche Allgemeine. Luckily, that was in November, so I had to pay 125% only for Nov and Dec and from Jan next year I started with lower rate.
I was at 45% until this year, when they raised it to 65% because I had a small accident (a bicycle ran into the back of my car - no damage, no injured). It's still not clear to me why they increased the rate, because the court of law decided that it wasn't my fault. I'm going to switch cars in the next month or two and then I'm going to dump DA for some other house - I've seen cases that some insurance companies offer good percentage if you are switching from some other company.
I had more problems with in Kreisverwaltung - they didn't want to switch my national driving licence for a German one, so I had to go to the driving school and take a *complete* course, like I never had any licence.
Pay attention that the monthly insurance is not the only expense - one has to pay steuer (yearly) to the state and it also depends on various car attributes.
glide
Member since 27.12.2004
Posted on 23.02.2005 15:18
Re: CAR INSURANCE in GERMANY
Hello, heres my bit of experience with MLP:
I am insured with MLP since last 2 years starting at 100% (only third party insured with Tielkasko).
I met with an accident last year where I was at fault(banged the other car from behind-
),and MLP took care for the thirdparty.Even I got a bit from Tielkasko..the broken lights and stuff..
But as a result my insurance would still remain 100% for the next 2 yrs as a penalty.
In normal cases(ohne umfall) after 2 years MLP reduces the insurance to 85% and so forth.
VAH
vah
Member since 28.12.2004
