Wann kann ich die Kfz-Versicherung

Wann kann ich die Kfz-Versicherung wechseln?
Eine ordentliche Kündigung Ihrer Kfz-Versicherung ist jeweils zum Ablauf eines Versicherungsjahres (meist 1.1. des Jahres) mit einer Kündigungsfrist von einem Monat (Stichtag 30.11.) möglich. Ein Sonderkündigungsrecht haben Sie, wenn Ihre Versicherung den Beitrag erhöht oder einen Schaden reguliert hat. Auch hier gilt eine Kündigungsfrist von einem Monat.
Im Falle eines Fahrzeugwechsels, d.h. wenn das zu versichernde Fahrzeug zum ersten Mal auf Sie zugelassen wird, ist der Versicherungswechsel immer möglich.
Welche Daten bzw. Unterlagen benötige ich für die Berechnung des Kfz-Versicherungsvergleichs?
Der Versicherungsvergleich ist in wenigen Schritten erledigt. Sie brauchen dafür die Hersteller- und Typschlüsselnummern aus Ihrem Fahrzeugschein oder -brief. Falls Sie die Fahrzeugpapiere nicht vorliegen haben, können Sie auch die Fahrzeugsuche "ohne Kfz-Schein" nutzen. Außerdem müssen Sie für den Vergleich Ihre SF-Klasse angeben, die in Ihrer letzten Beitragsrechnung zu finden ist. Alle übrigen Fragen sind schnell und einfach beantwortet.
Was versteht man unter einer Schadenfreiheitsklasse (SF-Klasse)?
Die Schadenfreiheitsklasse (SF-Klasse) entspricht der Anzahl an schadenfrei gefahrenen Jahren des Versicherungsnehmers. Üblicherweise gibt es 25 SF-Klassen bei Kfz. Je höher die SF-Klasse, desto niedriger ist der Beitrag in der Haftpflichtversicherung und Vollkaskoversicherung. Für die Teilkaskoversicherung gibt es keine SF-Klasse, hier gilt ein einheitlicher Beitragssatz. Jede Gesellschaft ordnet den SF-Klassen Prozentsätze zu, die einem Rabatt auf die Versicherungsprämie entsprechen. Die korrekte Angabe der SF-Klasse ist daher bei der Berechnung des Beitragssatzes ausschlaggebend. Ihre aktuelle SF-Klasse finden Sie immer in der letzten Beitragsrechnung Ihrer Versicherung.
In welche SF-Klasse werde ich in Haftpflicht und Vollkasko eingestuft?
Sofern eine Vorversicherung vorhanden ist, werden Sie entsprechend der vom Vorversicherer bestätigten SF-Klasse eingestuft. Ihre aktuelle SF-Klasse finden Sie in der letzten Beitragsrechnung. Falls Sie zum ersten Mal eine Vollkaskoversicherung abschließen oder in den letzten fünf Jahren keinen Vollkasko-Tarif hatten, erfolgt die Einstufung analog Ihrer SF-Klasse in der Haftpflichtversicherung.
Als Fahranfänger oder bei der ersten Kfz-Versicherung auf Ihren Namen, werden Sie in der Regel in SF 0 (240%) eingestuft. Sollte Ihr (Ehe-)Partner bereits ein Fahrzeug auf sich zugelassen haben oder besitzen Sie Ihre Fahrerlaubnis seit mindestens drei Jahren, können Sie direkt in die SF-Klasse ½ (meist 125%) eingestuft werden.
In welchem Fall ist eine Kaskoversicherung zu empfehlen?
Eine Vollkaskoversicherung sollte man für Neufahrzeuge bis zu drei Jahre abschließen. Im Falle einer Fremdfinanzierung des Fahrzeuges empfiehlt es sich, den Kasko-Einschluss nach der Laufzeit des Kredit- bzw. Leasingvertrages zu richten.
Eine Teilkasko-Versicherung ist im Prinzip immer sinnvoll. Lediglich bei älteren Fahrzeugen mit sehr niedrigem Zeitwert ist ein Ausschluss der Teilkasko zu erwägen. Bei Verträgen, die in der Vollkasko günstig eingestuft (z. B. in SF 25) sind, lohnt sich aufgrund des geringen Beitragsunterschiedes eine Umstellung auf Teilkasko nicht – selbst bei älteren Fahrzeugen. Ein genauer Vergleich der Prämien für Voll- und Teilkasko ist auch Cabriofahrern zu empfehlen. Hier ist die Vollkasko aufgrund der hohen Typklasse in der Teilkasko oftmals günstiger.
Was bedeutet Werkstattbindung?
Bei Tarifen mit Werkstattbindung bestimmt im Schadenfall nicht der Versicherungsnehmer, sondern die Gesellschaft, in welcher Werkstatt der Schaden behoben wird. In der Regel nennt der Versicherer mehrere Kooperationswerkstätten, die nahe beim Wohnort liegen. Für die vereinbarte Werkstattbindung gewährt die Versicherungsgesellschaft eine Beitragsvergünstigung.
Wann und von wem erhalte ich die für die Zulassung benötigte Versicherungsbestätigung (eVB-Nummer bzw. Deckungskarte)?
Die eVB-Nummer wird Ihnen je nach Versicherungsgesellschaft entweder sofort oder spätestens innerhalb von 24 Stunden nach Antragseingang von der Versicherung übermittelt. Ob Sie die eVB-Nummer bei Ihrem ausgewählten Tarif sofort erhalten, können Sie den Informationen auf der Ergebnisseite Ihres Versicherungsvergleichs entnehmen. Sofern Sie die Versicherung wechseln, profitieren Sie vom Wechselservice, d.h. die Übermittlung der eVB erfolgt direkt an die Kfz-Zulassungsstelle.

Kết quả (Anh) 1:

When can I switch car insurance?An ordinary termination of your insurance is possible at the end of a year of insurance (usually 1.1. of the year) with a notice period of one month (deadline 11/30 /). You have a special right of termination if your insurance has increased the contribution or regulated a damage. Here is a notice period of one month.In the event of a change of vehicle, if the vehicle to be insured is admitted for the first time on you, the insurance Exchange is always possible.What information or documents do I need for the calculation of car insurance comparison?The insurance comparison is done in a few steps. You need the manufacturer and type codes from your vehicle registration or letter. If you the vehicle papers are not available who can use the vehicle search "without a motor vehicle licence". Also, for comparison, you must specify your no claims bonus class which is found in your last post Bill. All other questions are answered swiftly and easily.What is a damage freedom class (SF)?The damage freedom class (SF) is the number of damage-free crazy years of the policyholder. Usually, there are 25 SF classes with cars. The higher the class SF, the contribution in the liability and fully comprehensive insurance is lower. For the partial cover insurance there is no SF class, here is a single contribution rate. Each company maps the SF class percentages that reflect a discount on the insurance premium. The correct indication of the SF class is decisive for the calculation of the contribution rate. Their current SF class always see the last post Bill of your insurance company.What SF classified in class will I in third party liability and comprehensive insurance?If there is a previous insurance, you are classified according to the SF class is confirmed by the previous insurer. Their current SF class, see the last post Bill. If you take out fully comprehensive insurance for the first time in the last five years had no fully comprehensive tariff classification is analogous your SF class in liability insurance.As a novice or when the first car insurance in your name, you will be usually classified SF 0 (240%). Should your (spouse) partner already allow a vehicle to have or have your driving licence, for at least three years, they can be classified to ½ (125%) directly in the SF class.In which case is a comprehensive insurance recommended?You should complete a full insurance for new vehicles up to three years. In the case of a debt financing of the vehicle, it is advisable to set the collision damage waiver coverage after the term of the credit or lease contract.A comprehensive insurance is always useful in principle. Only on older vehicles with very low time value, an exclusion is the partial cover insurance to consider. For contracts, which in the comprehensive cheap classified (such as in SF 25) are, not - worth it due to the small post difference between a transition to partial cover insurance even on older vehicles. A more accurate comparison of premiums for full and partial cover insurance is recommended even convertible drivers. Here is the full insurance due to the high class of type in the partial cover insurance often cheaper.What does workshop binding?For plans with workshop binding not the policyholder, but the society determines in the event of damage which workshop addresses the damage. Usually, the insurer called several cooperation workshops, which is close to the place of residence. Workshop agreed-binding, the insurance company grants a contribution discount.When and by whom will I receive the confirmation of insurance required for admission (eVB number or coverage map)?The eVB number is sent to you depending on the insurance company either immediately or at the latest within 24 hours after receipt of the request by the insurance. Whether you receive immediately the eVB number in your selected plan, refer to the information on the results page of your insurance comparison. If you change the insurance, you will benefit from the Exchange services, i.e. the eVB transmitted directly to the DMV.

Kết quả (Anh) 2:

When can I change the car insurance?
Ordinary termination of your car insurance is always the end of a policy year (usually 1.1. Of the year) with a notice period of one month (date 30.11.) Possible. A special right you have, if your insurance has increased the contribution or regulated damage. Again, a notice period of one month.
In the event of a change of vehicle, ie when the vehicle to be insured is admitted for the first time for you, the insurance change is always possible.
What information or documents do I need to calculate the car insurance comparison?
The insurance comparison is done in a few steps. All you need is the manufacturer and type code numbers for your vehicle or -brief. If you have not met the vehicle documents, you can also use the vehicle search "without vehicle registration document". You must also specify for comparing your SF-class, which can be found in your last post account. All other questions are answered quickly and easily.
What is meant by a claims category (SF-class)?
The claims category (SF-class) is the number of damage free years driven by the policyholder. Typically, there are 25 SF classes in automotive. The higher the SF class, the lower the contribution in respect of liability insurance and comprehensive insurance. For partial coverage there is no SF class, here applies a level of contributions. Every society assigns the SF-classes to percentages that correspond to a discount on the insurance premium. The correct indication of the SF-Class is therefore decisive in the calculation of the contribution rate. Your current SF class you will always find in the last post bill your insurance company.
In which SF class will I be placed in liability and comprehensive insurance?
If a prior insurance exists, are classified according to the SF-class confirmed by the ceding companies. Your current SF class, see the last post account. Finalizing the first time a comprehensive insurance or in the last five years did not fully comprehensive tariff classification analogous your SF class takes place in the liability insurance.
As a novice driver or in the first car insurance in your name, you will usually 0 (240%) classified in SF. If your (marriage) partner already a vehicle have allowed yourself or have your driving license for at least three years, you can directly in the SF class ½ (usually 125%) are classified.
In which case a comprehensive insurance is recommended?
A proper insurance should be taken out for new vehicles up to three years. In the case of debt financing of the vehicle, it is advisable to direct the hull inclusion after the term of the loan or lease.
A comprehensive insurance is basically always useful. Only with older vehicles with a very low value exclusion of partial coverage should be considered. (. Eg in SF 25) For contracts classified low in the Comprehensive worthwhile because of the low contribution difference switching to partial coverage not - even in older vehicles. A precise comparison of the premiums for comprehensive and partial cover is also recommended convertible drivers. Here the Comprehensive is due to the high type class in the partial coverage often cheaper.
What does Workshop bond?
For tariffs with workshop binding determined in case of damage not insured but the society in which workshop the damage is restored. Typically the insurer lists several cooperation workshops that are close to the residence. For the agreed Workshop binding the insurance company grants a security incentive.
When and by whom I get the time required for the approval certificate of insurance (eVB number or coverage map)?
The eVB number will be depending on the insurance company either immediately or at the latest within 24 hours of receipt of the application by the insurance. Whether you immediately get the eVB number at your chosen tariff, you can refer to the information on the results page of your insurance settlement. Unless you change the insurance, you will benefit from the exchange, ie the transmission of eVB made ​​directly to the vehicle registration authority.

Kết quả (Anh) 3:

when can i have the car insurance?a proper termination of your car insurance is to the end of each policy year (mostly 1.1. of the year) with a notice period of one month (as of 30 november). a sonderkündigungsrecht you have if their insurance contribution is increased or a damage is regulated. this is a notice period of one month.in the case of a fahrzeugwechsels, i.e. when the vehicle to be insured for the first time, it allowed the versicherungswechsel is always possible.what data or documents do i need for the calculation of the motor versicherungsvergleichs?the versicherungsvergleich is done in a few steps. you need the manufacturer and typschlüsselnummern for your vehicle or letter. if the registration is not available, you can also fahrzeugsuche "without vehicle ticket". you also need to have for the comparison of the sf class state in their last beitragsrechnung is found. all other questions are easily answered.what is meant by a schadenfreiheitsklasse (sf - class)?the schadenfreiheitsklasse (sf - class) corresponds to the number of years, leaving the bodyshell completely undamaged under the law. usually, there are 25 sf classes in motor vehicles. the higher the sf class, the lower the contribution of liability insurance and fully comprehensive insurance. for the teilkaskoversicherung there is no sf - class, there is a single rate. every society assigns the sf class percentages, a discount on the insurance requirements. the correct indication of the sf class is therefore crucial in the calculation of the contribution rate. your current sf class you always find in the last beitragsrechnung your insurance.in the sf class i"m in liability and insurance "?there is provided a vorversicherung, as confirmed by ceding insurer sf class rating. your current sf class can be found in the last beitragsrechnung. if you have, for the first time, a fully comprehensive insurance lock or in the last five years, no local fare, is the classification of sf in class in the liability insurance.as a novice drivers or the first car insurance on your behalf, they are usually in sf 0 (240%) rating. if their spouses or partners as a vehicle to have allowed or you own your driving licence for at least three years, you can directly in the sf class half (usually 125%) be classified.in which case is an insurance to recommend?a fully comprehensive insurance should be for new vehicles up to three years to complete. in the case of debt financing of the vehicle, it is recommended that the hull inclusion after the term of the loan. leasingvertrages instead.a third-party fire and theft insurance is, in principle, always useful. only for older vehicles with a very low value of exclusion is the third-party fire and theft to consider in the insurance contracts, the favourable (e.g. sf 25) are worth it because of the small beitragsunterschiedes conversion to third-party fire and theft, even in older vehicles. a detailed comparison of premiums for full - and cabriofahrern third-party fire and theft is also recommended. here"s the insurance is due to the high typklasse in third-party fire and theft are often cheaper.what does werkstattbindung?in dealing with werkstattbindung determined in case of damage not the policyholder, but society, in the workshop of the damage. usually refers to the insurer, several kooperationswerkstätten, near the place of residence. for the agreed werkstattbindung granted the company a beitragsvergünstigung.when and by whom will i receive the needed for admission versicherungsbestätigung (evb number or deckungskarte)?the evb number is according to the insurance company, either immediately or within 24 hours after receipt of the application of the insurance is transmitted. whether the evb number for your chosen fare, you can immediately obtain information on the results page of your versicherungsvergleichs). if you change the insurance can take advantage of the wechselservice, i.e., the transmission of the evb is done directly at the dmv.