October 22, 2020, 10:05 am
Autumn is the time to change in motor insurance. In addition to the high prices, poor service is one reason to look for a better car insurer. Just in time for the start of the hot phase of the switch business, the analysis company Service Value examined eleven direct motor vehicle insurers and 30 motor vehicle service insurers for customer orientation, reliability and service. These are the winners.
Provincial Rhineland, LVM, SV Sparkassenversicherung, Huk-Coburg, Concordia, ADAC Versicherung, Westfälische Provinzial and Allianz received “very good” as the best service insurer. With direct insurers, Cosmos Direkt, Huk 24 and Sparkasse direct insurance received a “very good”.
These are the winners in the individual categories
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The ranking in the “Service Insurer” segment
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The ranking of direct insurers
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Switching tips
For those who are thinking of changing insurers, the Association of Insureds (BdV) has the following tips ready: One month before the end of the insurance year, usually the end of the calendar year, at the latest The old insurer has given notice of termination so that the insurance contract can be properly terminated.
In addition, the BdV points out that the price should not be the decisive criterion: “Cheap is not automatically better. Not only the premium, but also the benefits have to be right. You should therefore take your time when comparing tariffs, ”advises consumer advocate Bianca Boss from the BdV.
For example, a good motor vehicle liability contract should provide a lump sum coverage of at least 100 million euros for personal, property and financial losses. In comprehensive insurance, the insurer should dispense with the objection of grossly negligent causing the insured event. Damage caused by animals of all kinds should be insured via the game damage clause. The consumer advocates advise that damage caused by marten bites on hoses or cabling as well as consequential damage should also be insured, at least up to 3,000 euros.
Anyone who has previously taken out discount protection – this prevents the downgrading to a lower no-claims class in the event of a loss-affected history – should carefully consider switching to a new motor vehicle insurer. Because the reinsurer is only confirmed the actually experienced no-claims discount (SFR) without discount protection.
If you are satisfied with your previous motor vehicle insurer and would like to remain insured there, you may still be able to save your premium. Often a premium reduction can be achieved by switching to the current tariff. Insured persons should make sure that the benefits do not deteriorate. (dr)
Foto: Service Value/Shutterstock
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