Important tariff characteristics: What you should pay attention to when comparing car insurance!
You are required to have liability insurance, but which liability insurance you choose is up to you. Our insurance test shows that drivers have a number of options when it comes to liability tariffs for their cars, which they can use to individualize their protection. You can also tailor your partially comprehensive or fully comprehensive insurance to your life situation and save a few euros depending on the options you choose.
The most important key figure is the Coverage amount. This determines the amount up to which your insurance company is liable for you. We recommend that you choose the highest possible coverage amount. Because then you are prepared for all eventualities.
This is also important Deductible. This indicates how much of the costs you will have to cover yourself in the event of damage.
Our recommendation: Choose a low deductible to avoid unnecessary costs in the event of a claim. Damage to the car often happens unintentionally and unforeseen. With a low deductible you ensure that you can definitely pay the premium yourself.
Also make sure that your comprehensive insurance covers the gross negligence co-insured. Many car insurers offer this additional protection at no extra charge. And it’s worth it: You’re also insured against accidents caused by yourself or through gross negligence. Common exception: accidents that you caused while under the influence of alcohol or drugs.
It is also important for insurance coverage when on vacation Mallorca Police. This additional protection protects you if you drive someone else’s vehicle, such as a rental car on vacation, and cause an accident. You should not neglect this extra protection, because in some countries the scope of insurance is lower and the legal minimum coverage amount is sometimes significantly lower than in Germany.
We have explained all insurance terms such as coverage amount, comprehensive insurance and no-claims class in detail in our insurance dictionary.