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CAR INSURANCE in GERMANY
Posted on 18/02/2005 1:22 pm
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 1:57 pm
Re: CAR INSURANCE in GERMANY
Hi,
While buying a car insurance amount counts a lot. If your license is less than 3 years old or you dont have any noclaim certificate from previous insurance, the best is to buy a car with small engine. This will reduce your insurance.
You can buy any car of your choice but i recommend japanses car as i have found them to be very reliable.
It is better to buy the car from a dealer as they give 1 year warranty and dont forget to see how long the TUV is for the car. if you want to buy from a private seller, the best is to ask him to make complete inspection from any garage, so that you know what needs to be fixed after you buy the car.
M.K
imranahmadkhan
Member since 17/02/2005
Posted on 18/02/2005 2:07 pm
Re: CAR INSURANCE in GERMANY
Is the common (mis)concept that spares of foreign cars are costlier and hard to get, true?
I think ADAC does this "car-checkup" what imram mentioned.
I heard from a friend that an insurance company called MLP offers a better Schadenfreiheitsklasse if you drove a car in your country, but it muct have been in YOUR name:
http://www.mlp.de/...fm?fuseaction=default
Others I have heard of are:
Direkt line
http://www.direktline.de/
and HUK 24
http://www.huk24.de/
fred
Member since 15/04/2004
Posted on 18/02/2005 2:10 pm
Re: CAR INSURANCE in GERMANY
"i recommend japanses car as i have found them to be very reliable."
Hmm.. I guess it is a good idea to buy German cars as this will support the German Economy in which we are working in and car spare parts should be easier to find for german cars than the japanase ones. ( German cars look better than the japanase ones anyway.. 
Who would buy a toyota, when a mercedes for the same price is available to buy
Ok.. apart from the jokes regarding the german and japanase cars. I would be very much interested in the general experience regarding "buying a car" in Germany.
Regards,
Lacrima
lacrima
Member since 14/11/2003
Posted on 18/02/2005 3:25 pm
Re: CAR INSURANCE in GERMANY
Are you buying old or new car?
How many km will you make per year?
How long do you have german driving licence?
How much will you spend on car?
I can give you one advice.
I translated my licence and few days later I bought car. I tried to make versicherung but guy wanted 200% since I am driver only few days. I showed my old licence which I had 10 years and I showed my old Versicherung from my homeland with 50% bonus translated to german. That did not impress him so I said good bye.
Next Versicherung took both: my old licence and my old versicherung and gave me 55% bonus. So I save 3000 DM every year because I started from 55% instead of 200%.
DvD
Member since 30/11/2004
imranahmadkhan
Member since 17/02/2005
Posted on 18/02/2005 4:22 pm
Re: CAR INSURANCE in GERMANY
@DvD
"I showed my old Versicherung from my homeland with --50% bonus--" - What is the exact meaning of this?
* I also got converted my old licence from my homeland and got a new one in Deutschland. But my previous licence is still in custody of the Registration office. Can I get that? or a copy of that? Will it help?
* I got my licence here in Germany 3 years back and since then I am renting the car and driving it. Sometimes taking insurance(when I go out of Germany) and sometimes not(when in local city only). Will my 3 year old licence help in this case? - Will it reduce(upto some extent) the costs of new insurance if I plan to buy a car now?
nsoni
Member since 17/12/2004
Posted on 18/02/2005 4:24 pm
Re: CAR INSURANCE in GERMANY
you can try to copy your licence if they did not trow it. But 3 years driving in D could be enough to get 100%(I am not sure).
DvD
Member since 30/11/2004
Posted on 18/02/2005 4:31 pm
Re: CAR INSURANCE in GERMANY
do you know what bonus is?
if Versisherung costs 1000€/year than guy that just made licence pays 250% meaning 2500€.
This percent is next year smaller, maybe 200%, or 150% but only if you do not make a accident.
After number of years you can reach min. which is ~30%, meaning you will pay Versicherung only 300€/year.
DvD
Member since 30/11/2004
Posted on 18/02/2005 4:41 pm
Re: CAR INSURANCE in GERMANY
aah....Now I understand....I knew it but I couldnot relate it with the word "bonus"
But in my country there is no such bonus system related to Car Insurance or so. At the max. They can only write me that I never had an accident(and hence no claims) in last 4-5 years(the period when I drove in my home country). Would this be acceptable here in Germany?
Can I ask you that what is the name of the company from which you took your Car Insurance. The later one which charged you @55%
nsoni
Member since 17/12/2004
Posted on 18/02/2005 4:49 pm
Re: CAR INSURANCE in GERMANY
it is KRAVAG.
you can try in your Versicherung firma to get Bescheinigung that you had no accidents, and than translate it here, but who knows will they count it. From some lands they will count it and from some not.
DvD
Member since 30/11/2004
