As part of the Top Drive vehicle tariff, Itzehoer Versicherungen are above average accommodating in the event of a total loss 36 months after the car was purchased, both for new and used vehicles.
from Julia Gohde
November 26, 2020, 12:00 a.m.
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Itzehoe | Sometimes it goes faster than you can see: there have been “crashes” on German roads over 2.6 million times in the past year. The Federal Statistical Office registered that many accidents in 2019. It doesn’t always turn out lightly. It is true that the relief is great when nobody is injured in an accident, but a total loss of a car also means great financial damage for many drivers. However, if you have agreed to reimbursement of the new price with your car insurance, you are on the safe side: Then the insurance will reimburse the new price for the car in the event of a total loss. Itzehoer Insurance explains the conditions under which car owners can benefit from this service.
Top Drive tariff from Itzehoer: 36 months purchase price reimbursement after total loss
“Our car tariff Top Drive ensures that in the event of a total write-off there is no loss of value for 36 months after the vehicle was purchased. We reimburse the new price for a new vehicle and the full purchase price for a used vehicle, ”explains Mirko Schumacher, head of the regional management at Itzehoer Insurance.
This service is so attractive because a car loses the most value, especially in the first three years after purchase, regardless of whether it is new or used. In the event of a total write-off, this can be really expensive for the owner. Because his comprehensive insurance usually only reimburses the current or replacement value of his car after a total loss. If the car has thousands of kilometers on the “clock” and has been in the driver’s possession for two and a half years, its replacement value can be far below the purchase price originally paid. The members of Itzehoer do not have to worry about that: With the Top Drive tariff, the car owner is optimally covered for a period of 36 months after purchase.
We recommend the new price compensation to every customer. Especially for those who have saved longer for their “dream car” that they want to use for many years.
Itzehoer Insurance
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Mirko Schumacher, Head of the Regional Directorate at Itzehoer Insurance
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“With three years of reimbursement in the event of a total write-off, we as Itzehoer clearly stand out from the usual 18 or 24 months in the market,” says Schumacher, explaining this advantage of Itzehoer for policyholders compared to other insurers. The fact that the used and new price compensation is valid for 36 months was not always the case: A year ago it was limited to two years at the Itzehoern as well. The extension to a total of 36 months under the tariff Top Drive is a step that Itzehoer Versicherungen took very deliberately to offer its members comprehensive service and protection.
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 premium surcharge
- Second car bonus for cars: Itzehoer Versicherung provides personal advice 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 cover for leased and externally financed vehicles with fully comprehensive insurance
- Direct regulation in fully comprehensive insurance: Fast and reliable 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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This advantage is of course well received by customers with the Top Drive tariff. The experiences that the members of Itzehoer Insurance have had are very positive, reports Schumacher:
Many are happy that they get reimbursed for a brand-new car even after such a long period of use, which is sometimes associated with high mileage and a corresponding loss of value. They often didn’t expect that.
Benefits for drivers of electric cars
A long reimbursement of new prices is particularly interesting for electric cars, as technical progress in this industry could be very large in three years, says Schumacher with a view to the growing market for electric mobility. “The 36-month reimbursement for new prices assures me as a driver that in the event of a damage I will get a more powerful vehicle and that I don’t have to look for a used car with the best possible battery on a limited budget,” says Schumacher, pointing out the advantages.
Read more: Insuring the electric car – what to consider when it comes to insurance coverage (Advertisement)
By the way: November 30th is the deadline. Then the last opportunity this year is to cancel the motor insurance and switch to another provider on January 1, 2021. You will find more information on this topic here.
Contact Itzehoer Insurance
Itzehoer Insurance
Itzehoer Platz
25521 Itzehoe
Telephone (Monday-Friday from 7:30 a.m. to 8 p.m.): 04821 773-0
E-mail: [email protected]
Web: www.itzehoer.de
Also interesting: Direct regulation as part of motor insurance: who shouldn’t do without it (notification)
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