80-Year-old need to for car insurance 114 percent pay more than 40. This shows an evaluation of the tenders for a motor Vehicle liability insurance that were calculated in November 2019 in the comparison portal Verivox. In the case of contracts with Comprehensive coverage of the award, therefore, is 98 percent, explains Verivox in the investigation, the FOCUS Online is in advance.
The age surcharge, many insurers charge their customers for the seniors ‘ age in years. But he is taking on ever greater dimensions. For comparison: in 2016, the surcharge was fully comprehensive at 83 percent. The are 15 percentage points less than the end of 2019. The liability rates were 2016, only 106 percent, according to an analysis by the Motor insurance index shows, the Verivox, together with the Technical University of Rosenheim are created.
car insurance: Also to future pensioners will be able to checkout
asked Especially bitter: The surcharge does not apply only in the advanced seniors age. Who is between 66 and 70 years old, must be expected in comparison to the 40-Year-old with a premium of a quarter to a third. Slight premiums will be, even before Reaching the age of 60. Year of life due. Car insurance at FOCUS Online, online, you can Find and compare the cheapest rate
Important: The analysis takes into account only the influence of age on the motor Vehicle contribution. Discounts about by higher no-claims discounts were so grossed out.
now, 10 years and more in no claims bonus
Verivox-managing Director Wolfgang Schütz said But there is also good news: “The motor Vehicle insurer will create a parallel relief for accident-free senior citizens”. Specifically, this means that During 2016 the no claims discount is usually a maximum of 35 damage-free years were recognized, today it is mostly 45 years and more.
Verivox has been evaluated for this purpose, the discount seasons of 82 insurers and arrived at the following results:
- Two-thirds of all insurers today use a discount that is at least up to the Claims category (SF-class), 45.
- In the case of 23 insurers, the discount increases even up to the SF class 50.
- The top value discounts up to 60 damage-free years.
This means: anyone Who, at the age of accident-free, can reduce compared to the old SF class 35 his contribution again by 15 to 20 percent. In individual cases, even more is in there.
The personal risk is becoming more and more important
“The longer SF-classes by setting just on the market”, said contactor further. The insurer will try this, the contribution becoming more and more the personal risk to Fully compensate for the old age Supplement is not can, however. In addition, the risk to cause harm to others:
- According to the annual statistics of the German Federal financial Supervisory authority (BaFin) is increasing in age, 5.1 percent of all drivers have caused between 42 and 62 years in 2017, a liability damage.
- With the drivers from 82 years, 9.8 per cent reported an accident – nearly twice as many.
contactor warns, therefore, against bad Surprises – even if an accident is assumed to be benign and only a small amount of damage caused should have been: “If seniors are promoted in the more expensive SF-classes, then the rising age Supplement through fully.”
legally the fee for Car insurance cut in half
With a Trick, you can reduce the surcharge further. For this you need to transfer on the one hand, their high no-claims discount to another Person, for example, one of your children or grandchildren, and then your car to this Person. This is among family members in General, possible. Here car loan quickly and easily request (indicator) To Focus Online car loan comparison
In a computing example, the experts of Verivox came up with this Trick to a Saving of around Euro 275 per year (43 percent). It looks similar, if only for the liability protection to apply: For admission to the children, the Saving is more than 200 euros (48 percent). The car is registered still on them and only the insurance on the kids run, you still save around a third of the cost.
More to this insurance model and what you need to know, read here: seniors pay dramatic premiums in Car insurance, but there are saves Rick Car insurance For these drivers it is now more expensive PCP insurer regional claims classes: Car insurance For these drivers it is now more expensive
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In the PCP In the
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