Motor vehicle: Insurance cover

As a holder of a motor vehicle, you are obliged to take out car insurance and to maintain it as long as the vehicle is registered for traffic.

All owners of motor vehicles are obliged to take out car insurance and to maintain it as long as the vehicle is registered for traffic.

The premiums are calculated from the following statistical characteristics:

  • of the type class of the vehicle
  • the regional class of the place of residence or place of business of the registered holder
  • the no-claims level

In addition, insurance companies often take other characteristics into account when calculating the premium, such as.B:

  • Age of the policyholder / driver
  • Period since the issue of the policyholder's and/or driver's driving licence
  • Age of the vehicle when registered to policyholder, current value and/or replacement value of the vehicle
  • annual mileage
  • Entries in the Central Traffic Register Flensburg

If you want to insure damage to your vehicle, for example in the event of fire or theft, you can also take out partial comprehensive insurance .

A fully comprehensive insurance, on the other hand, also covers self-inflicted damage to the vehicle and also the damage that has arisen wantonly or maliciously. There are different insurance providers with different rates.

It is recommended that you seek thorough advice from the insurance company with which you wish to conclude a corresponding contract with regard to the insurance cover that makes sense for your vehicle.

Related Links

  • Consumer Centre Rhineland-Palatinate

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