Insured persons only have a few days to check their current car tariff and look for an alternative for 2021.
from Julia Gohde
November 19, 2020, 12:00 a.m.
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Itzehoe | Hand on heart, when was the last time you looked at your car insurance? Was it when you bought your new car and not again afterwards? Many car owners have neatly filed their signed insurance contracts in their files and have kept them safe from dust with other personal documents for years. The insurance premium is deducted from the account twice a year, there is a slip of paper in the glove compartment of the car with the important telephone number that you can call if you break down – that’s it. Many do not deal with it in more detail. It is worth taking a look at the old documents and comparing them right now. Because November 30th is the last opportunity this year to cancel the car insurance and switch to another provider on January 1st, 2021. Itzehoer Versicherungen explain why that can make sense.
Partially comprehensive or fully comprehensive?
Anyone who drives their car on the streets is obliged to take out at least one motor vehicle liability insurance. It doesn’t work without it. With many insurance companies, including Itzehoer, this goes hand in hand with a cover letter. It is used to ensure that the driver is quickly mobile again in the event of a breakdown, an accident or in the event of theft. “On this basis, a driver can then put on the optimal insurance protection for him, such as partial or fully comprehensive insurance, driver protection or our discount protection,” explains Thiess Johannssen, press spokesman for Itzehoer Insurance. He recommends carefully weighing up which risk protection you need for your car and which you don’t:
The scope of the insurance cover must match your own needs. Nobody should be over- or under-insured. When choosing comprehensive insurance you should therefore ask yourself what the replacement or repair value of the car would be in the event of an accident. The rule of thumb is: the newer and more expensive the car, the more it is worth taking out fully comprehensive insurance. Thiess Johannssen, press spokesman at Itzehoer Insurance
“The Itzehoer insurance companies always rate their tariffs individually,” explains Johannssen. The Itzehoer shop stewards, who provide comprehensive advice, don’t just sell off-the-shelf products, but take plenty of time to answer questions in order to work together to determine the car tariff that perfectly suits the needs of the car owner.
Itzehoer Insurance
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Thiess Johannssen, press spokesman for Itzehoer Insurance
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“For some it is important, for example, to keep the insurance premium as cheap as possible. A deductible can make sense here. Because the higher the agreed deductible in the motor insurance, the cheaper the contribution. We recommend our tariff to others who travel a lot with their car and are dependent on it or who like to drive newer cars Top Drive. Such fully comprehensive insurance is of course more expensive, but it also offers more protection and has a greater scope of benefits, ”says Johannssen.
Itzehoer Insurance: Further details of the Top Drive car tariff
New price compensation: The Itzehoer TOP-DRIVE tariff ensures that in the event of a total loss there is no loss of value for 36 months after purchase. Itzehoer reimburses the new price for a new vehicle and the purchase price for a used vehicle
Deductible: No deductible deductible after three claims-free years
Car content insurance: Personal items in the car (not used commercially or professionally) are stolen in a non-visible and locked trunk or vehicle interior insured up to a sum of 1500 euros
Foreign damage protection is also insured without a premium
Second car bonus for cars: Itzehoer Versicherung advises personally on this service
Discount protection: included for all drivers
Bonus: Ten percent (with liability protection) bonus from no claims class 5 and a claims free year
CAP coverage: Special coverage for leased and externally financed vehicles with fully comprehensive insurance
Direct regulation in fully comprehensive insurance: Fast and secure to settle claims regardless of the question of guilt
Environmental aid: A tree is planted in Schleswig-Holstein for every motor vehicle contract concluded with the better green tariff. At the same time, bettergrün invests the contribution in sustainable capital investments.
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What are discount protection and driver protection?
While most motorists know the differences between partial and fully comprehensive insurance, it becomes with the terms Discount protection and Driver protection already more difficult. Thiess Johannssen brings light into the dark:
With the Itzehoer discount protection, our members have one damage free per year in both motor vehicle liability and fully comprehensive insurance. Thiess Johannssen, press spokesman at Itzehoer Insurance
“This means that after an incident, the driver does not have to fear being classified in a different no-claims class. His insurance premium does not increase. Even more: the no-claims discount is even further downgraded by the discount protection, ”says Johannsen, explaining the advantages of this option. He recommends checking your own car insurance with regard to this benefit.
“In addition, it is important for some drivers when choosing their vehicle tariff to be optimally protected themselves,” says Thiess Johannssen. This is what the Itzehoer driver protection is used for, which is activated when the driver suffers personal injury in an accident for which he or she is responsible. Costs such as compensation for pain and suffering, loss of earnings, renovation measures for accessibility and maintenance payments to those who remain are covered.
If you are thinking of using the last days of the lockdown to find out about your current and alternative vehicle insurance by November 30th, you can get personal and non-binding advice from one of the Itzehoer confidants: www.itzehoer.de/jetzt-wechseln.
Good to know: If you missed November 30th, you still have the chance to change or cancel your current car insurance at short notice. And that if the current insurance premium increases due to collective bargaining measures (deadline: within one month of receipt of the invoice from which the Premium increase results) or after the occurrence of a Loss event (Deadline: within one month after the termination of negotiations on compensation).