Comparison: Check24↗ covers most of the market, Verivox↗ is another service for an alternative price comparison. Direct insurers like HUK24↗ are not listed on portals — check them separately.
Compare Properly: Not Just the Price
A cheap tariff with stripped coverage costs more than any accident. Four criteria beat the price.
✓ Verified: 15/08/2026
WHAT TO DO
› Details and tips
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Max recommends:
For cars older than 8–10 years I weigh full casco against market value: often partial casco plus savings wins. Calculators show both prices in a minute.
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Lea recommends:
State honest mileage: understating backfires after an accident with retroactive recalculation. I add a 2000 km buffer.
FREQUENTLY ASKED QUESTIONS
Can I transfer no-claims years from abroad? ▾
Often yes: request a claims-history certificate from your previous insurer, translated if needed, and submit it with the application. Many German companies count 3–7 years — that lifts your SF class and cuts the premium noticeably. Ask before signing: the price difference is substantial.
Werkstattbindung — accept it? ▾
A 10–20 percent discount for repairs only at partner garages. A bad trade under manufacturer warranty and for leasing (often forbidden by the contract); for an older car it is solid savings.
What happens to my SF class after a claim? ▾
The insurer downgrades you, usually by several classes at once — the downgrade table is in the terms. So do the maths on small damage: paying yourself keeps the class. Some tariffs sell a Rabattschutz add-on.