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Car Insurance : Online degree by insurance is in vogue

Posted by Kevin C.W. Sunday, March 24, 2013 0 comments
The Germans in the trend is not only the search for insurance, but also the direct lump on the Internet. A Forsa study, which was conducted on behalf of the high-tech Association BITKOM came to this conclusion recently.

13.3 Million citizens use therefore the Web to easily through deals around on car insurance and - especially in the time of change of - about to find cheaper rates. More and more car owners bring their policy even with a mouse click in place. It was just five percent in the previous year – this year almost every tenth citizen online completes his contract.


The overview, the comparability and thus the industry-wide transparency are the strength of the online offers. Also Prof. Dr. August-Wilhelm Scheer, President of BITKOM, includes this statement: "The Internet offers insurance best possibilities for price / performance comparison."

Car Insurance : Online degree by insurance is in vogue
User-friendly comparison calculator which are associated with the data of many insurance companies, pave the comfortable way to the appropriate policy. In a test in October 2010, by FinanceScout24, the grade "very good" (1.2) certifies the car insurance calculator and highlighted the exemplary usability.

In the age group of 30 - shoulder get insurance or change of tariffs on the Web now particularly well. Last year, 27 percent of the offerings, informed which decided 10% ten to an on-line contracting. This year, 31 percent are already looking for auto insurance--14 percent of this age group put their mark under a new policy online.

In the 45 - 59-year-old group, about a quarter on information tour goes around the subject of car insurance. 13 Percent chose a policy directly.

Car Insurance : Luxury car

Posted by Kevin C.W. Saturday, March 23, 2013 0 comments
The cost for the maintenance of the car rose far faster than the cost of living with 3.1 per cent in 2010. Biggest weight is fuel prices - especially in the big cities these are according to the ADAC far away from the current oil prices. Analog, currently the Federal Cartel Office questioned the collective rise in prices at many service stations just before holidays. Is the consumer when refueling ripped off?


Who opts for the own car in terms of mobility, must engage deeper in the pockets. The ADAC has recently determined where the stresses of mobile pedestal most have increased compared to the previous year. Car maintenance is committed off therefore clearly with a rise of 3.1 percent by the rising cost of living. Needs of daily life rose only 1.3 percent on year.


What has become more expensive?

Car Insurance : Luxury car
Main cost drivers car are the fuel prices for the luxury item. These have increased by whopping 8.7 percent compared to 2009, while purchase prices for new cars, costs for spare parts, accessories and repairs with a rise of less than one percent to beech. Place the cost of driving a car is car insurance. On average, 6.4 percent more had to fork 2010 the German car owners for their financial security on the road. The gasoline price has accept the drivers grumbling, but with a change of insurance he has depending on the individual facts & figures a screw, to save several hundred dollars a year in the car.


Expensive cities and a cheer for the holidays

Using a regularly tested sample, the ADAC has examined gasoline prices from 20 cities. With an average of more than 1.40 euros for the litre of Super petrol, competition in expensive cities not to the same extent as in the lower works so the Automobile Club. Federal Cartel Office President Andreas Mundt wants to proceed against similar to the holiday calendar rising gas prices especially in the "expensive" cities now exacerbated. In the four major cities of Hamburg, Cologne, Leipzig and Munich, 100 petrol stations had to sign their price chronology of the past three years to the Bonn authorities. It is now checked whether there are always these same companies, which raise the gas prices just before the holidays. Also, generally strong price fluctuations - should if be taken directly before the holidays or several times within a day - more closely scrutinized.


Car Insurance : Investment consultation record can secure compensation claims

Posted by Kevin C.W. 0 comments
Car Insurance : Investment consultation record can secure compensation claims
Have you ever checked on the basis of the consultation Protocol if an insurance broker has advised you correctly? That you should, because if in the event of damage, the insurance rejects the reimbursement, it is usually too late. Many policyholders underestimate the importance of the document and signed it in the consulting process after a flood of information rather absent-mindedly. Who however considered the form such as a headache product leaflet can walk into the trash unread, which is wrong.


A meticulously-run log in the insurance consulting can either protect from nasty surprises or secure the claim for damages. The latter must be enforced until legal action, should feel the customer wrongly advised and an omissions of the broker be detectable.

A good agent should bring not quickest possible trades, but the optimal insurance coverage give its customers with individual advice. He determined the situation, wishes, goals and the need for any interested parties. Usually, he documented all of this figures in the investment consultation record.


Black sheep

Customers should be nice if the mediator proposes, keeps the counseling part to skip them or giving them a waiver under the nose. Because even among insurance brokers, there is like everywhere - black sheep. To use nothing but is legal - consumer advocates but strongly discourage from. "Customers lose their entitlement to compensation", so Peter Grieble of the Verbraucherzentrale Baden-Württemberg.

When the "insured" occurs long thought to be paid and the insurance company refuses to pay, it is helpful if the policyholder the broker can prove that he has advised poorly or incorrectly. Only in this way he may assert claims for damages.

The car insurance customer plans, for example, a journey by car, the agencies in the framework of the consultation must ask the objectives. He omits that and sold a policy just for the EU area, he is responsible, when the policyholder in Turkey comes to harm. If the customer is able to prove the failure of the agent, he is on the safe side.

Clear advantages in the online consultation

Compared with the Treaty process with the broker, the online consulting option offers several advantages. The customer has at the outset the possibility of an independent comparison portal like FinanceScout24.de between many providers to choose. The first General input from the exact scope of the relevant insurance product to specify of the personal data, the user can monitor every step and hold itself by expression. So, he gets maximum transparency over the course of the consultation. Established broker is also the obligation to document the extent of personal advice, but this is often not as accurate as in online sales.

Who decides according to the objective comparison on FinanceScout24.de for an insurance policy, will receive an investment consultation record that lists all details, conditions and details of the Treaty at the conclusion of the contract. The customer should store well sorted and hand these documents to seek not long in the insured event.

Car Insurance : Cheap to insure several vehicles

Posted by Kevin C.W. Friday, March 22, 2013 0 comments
The times, in which almost all households had only one car, long thing of the past. A personal and flexible mobility is self-evident for decades. When their children are of legal age, the number of household own vehicles is increasing rapidly. But also couples without children increasingly use one of two cars - for the work, the other about shopping and other errands. That wants to be optimally hedged - learn getting two or more vehicles optimal under a hat.

Second car

Old proven and with the car control is best known: two vehicles are available with the same provider in a joint police - with the car in its initial classification can be given mostly a better damage freedom class and thus a larger no-claims bonus. In addition, some insurers provide additional discounts on the second car.


This benefits many parents to cheaper to classify the car of her child. If the son or daughter would like to accept the insurance at some point, the damage category can be transmitted most easily. However, are here to note two stumbling blocks: guardian and child a relationship must be between first-degree - beyond the discount only at the height can be taken, "can learn how the child would have him since the receipt of the own driving itself". The driving licence is only a year old, a classification SF class 1 is possible so maximum even if about the father would have reached already SF class 10 with the second car.



Individual insurance

But not always drive with the second car control more affordable. Depending on the type of vehicle and insurance one comes away also times better circumstances when each vehicle with another provider is housed. Ultimately, it is always on the individual case. Therefore: Zweitwagen-or individual insurance - leads on the right track only a comprehensive comparison as many vendors and offerings.

Fleet insurance

Car Insurance : Cheap to insure several vehicles
There were until recently only for companies and self-employed persons who have a certain minimum amount of vehicles fleet or fleet insurance. Since October 2010 offer the ADAC and the Zurich insurance but a model to that of fleet insurance is very similar to: the family insurance. All vehicles of a household can be combined with an insurer - everyone gets his own police with "their own" damage freedom class here, everyone pays his own contribution and all have same contact person. The decisive advantage: More and more vehicles are insured, the lower is the classification, allowing savings of up to 12 percent per vehicle.


Change indicator

A "slimmed-down" version of the second car scheme is the introduction of the change indicators planned for 2011: up to three vehicles can be reduced almost in the guise of an insurer on a flag. Only for the each most expensive vehicle, insurance premiums and taxes will be charged. The idea in the Switzerland and Austria several years ago for the first time introduced originally stood the environment at the forefront, because only the vehicle with the "insured" indicator must be - moved thus one reason why this model rather represents an option for individuals who are in possession of several vehicles. In return rather an obstructive model, when the cars of kids cheap insurance should be. In addition less organic but rather economic interests in the foreground stood in Germany, as the change indicator for 2011 has been scheduled: after the decline of the automotive industry by eliminating the cash for clunkers, consumers should now be motivated to purchase a second.

Car Insurance : It depends on the image

Posted by Kevin C.W. 0 comments
Car Insurance : It depends on the imageIt is not new that cars are an image carrier – a recent study shows that Germans place but also value the appearance of their car insurance.

The VHV interviewed 1033 insurance drivers to the image of car insurance with the IMWF (Institute of management and research). It came out that it certainly plays a role for car owners, whether is good or bad in public insurance. Just older people - 80 percent of the over 60 years - women, but also new and this year car buyers prefer insurance companies with unbescholtenem reputation.


Usually, the questioning brought special features with good standing on a car insurance company in connection. The quick claims processing in the foreground stands for 90 percent. Cheap prices, good customer service and advice make a good image of insurance for clients.

Car Insurance : Confusion in the periods of notice

Posted by Kevin C.W. Thursday, March 21, 2013 0 comments
Car Insurance : Confusion in the periods of noticeThe traditional date for the car insurance is the 30 November. Yet know just two-thirds of German motorists on this date, so the result of a study of the YouGovPsychonomics on behalf of DEVK insurance. What therefore still less customers know: car insurance not on the calendar year is completed, entirely different notice periods apply. No wonder, then, that the desire is getting louder for more transparent change dates.

YouGovPsychonomics surveyed more than 1,000 motorists who pull a change of their auto insurance into account. Most willing to change are already old hands: 75 percent of respondents have at least once their existing contract in the past five years terminated. About 40 percent have been even twice or more the change.


Cancel until 30 November - or maybe to another appointment?

In contrast to most other insurance companies, the notice of car insurance is only one month. Usually, the termination date on the 30 November thus falls to change without giving reasons on January 1 to a different provider. Until recently, it didn't matter, the police has been completed to date. But here is now careful: last year, individual providers like Allianz, Zurich, or insurance companies of the ERGO Group have introduced customer-specific maturities. In this case, the term not as usual ends on December 31 but corresponds to a duration of twelve months. Completed the contract, for example, on 18 June, he must be - announced no later than May 17 exactly eleven months after the beginning.

Car Insurance : Price war of motor vehicle insurers

Posted by Kevin C.W. 0 comments
Car Insurance : Price war of motor vehicle insurersPrices for car insurance are increased slightly compared to the previous year. The hard winter 2010 as well as the disproportionate number of accidents were the decisive factor. But by no means a general trend towards increases in the insurance industry on the records. On the contrary, high competition in the industry and the merciless struggle for market share, the price level keeps constant low.


Every year are competing insurers especially to the automotive Wechselsaison to win the favor of customers. With affordable premiums, they want to shine at the beginning to do well as much new business. With words such as "we are the Aldi of the insurance industry", HUK-Coburg offensive enters the race. The Group has recently replaced the Alliance in the retail business of the Automotive Division as a market leader. The premiums an average 11 per cent have fallen industry for six years. That has pulled the rug from under the feet away some providers such as, for example, the Ineas, which went bankrupt this summer.

However, if you think that so is the price dispersion, which is wrong: hardly are costing the companies to undercut. Business with the automotive policy is profitable only if the main unit - the combined ratio – remains of the insurer under the 100-percent mark. It exceeds this value, cost of damage and management no longer has the premiums may be covered. Be sold also as in the past year many policies with discount protection, means for the customer in an accident while not upgraded and therefore no rise in premiums - who has insurance but additional costs to carry, that have been provided the policyholder account were originally.

Some insurers accept the fight at the damage limit of cost but in the short term, to lure many new customers with extremely competitive premiums. Because especially in motor insurance, customer loyalty is very strong: who once opted for an insurance provider, it remains faithful to typically long.

The insurance agents around the corner gives a discount on request of the customer partially or tries to thrash away the competition from the Internet through discounts on product bundling, but that goes for customers mostly at the expense of transparency. The HUK-Coburg that is however not the case: "our prices are non-negotiable. All customers with similar characteristics get in the applicable fare the same price", said Board Member Klaus-Jürgen Heitmann.

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