In Germany, it is a legal requirement that every registered vehicle is insured with a motor vehicle liability insurance policy. To ensure that in the event of an accident, the damages incurred by the person who caused the accident can be paid for.<\/p>\n
You do not get a loan or are looking for an alternative? Then you are in the right place! Our recommendation: Loans from Bon-Kredit – test now free of charge! Even with a negative SCHUFA!<\/p>\n
But what about the people who have a bad Schufa, can they also get car insurance? The answer is definitely yes!<\/p>\n
In Germany, it is up to each driver to decide which car insurance policy to take out for his or her vehicle.<\/p>\n
Excluding the legally regulated motor liability, there are two other variants that can be taken out in addition to the liability insurance.<\/p>\n
The two comprehensive insurances, the partial cover and the fully comprehensive insurance which can be booked as an option to the motor liability insurance.<\/p>\n
Attention! Loss of insurance coverage possible! The insurer has the right in case of alcohol or drug consumption caused damage to deny the insurance benefit. Also in the case of gross conduct in road traffic or damage caused intentionally.<\/p>\n
The Schufa credit report of a customer is obtained for every application check. If it turns out badly, the insurance coverage may be possible only with some restrictions. The restrictions also vary from insurance to insurance.<\/p>\n
Concretely, this can mean for you:<\/p>\n
Normally, any car insurance company should be able to provide you with at least the legally required motor liability coverage. But the reality seems to be different, because there are a dozen testimonies of insurance seekers who have been rejected.<\/p>\n
According to our research and customer testimonials, there are some car insurance companies that are very accommodating and no problems in checking the car insurance without Schufa or. despite bad Schufa credit rating have made.<\/p>\n
The negative features in the Schufa data information should NOT play a decisive role in the allocation of a car insurance policy. If, for example, you are in private insolvency, it is not, according to the law, a reason for refusal of the motor liability insurance application.<\/p>\n
Also the delivery of an affidavit (oath of disclosure) may not be a reason for refusal. Every car insurance company is obliged by law (\u00a7 5 PflVG) to provide motor third party liability insurance. There are a few exceptions and they are as follows:<\/p>\n
The application may only be refused if factual or local restrictions in the business plan of the insurance company prevent the conclusion of the contract or if the applicant was already insured with the insurance company and the insurance company<\/p>\n
If these reasons for rejection do not apply to you, but a private insolvency or even existing negative Schufa entries, then contact the insurance company again and point them to \u00a7 5 PflVG and request to reconsider your application.<\/p>\n
What you should know! Please note that the compulsory insurance law only applies to the conclusion of a motor vehicle liability insurance contract and not to partial or fully comprehensive insurance.<\/p>\n
You have several options to improve your chances of getting a comprehensive car insurance despite a bad credit rating (Schufa).<\/p>\n
If you have any further questions about car insurance or about car insurance without credit rating then do not hesitate we will try to answer them as soon as possible!<\/p>\n
You do not get a loan or are looking for an alternative? Then you are exactly right here! Our recommendation: Loans from Bon-Kredit – test now free of charge! Even with negative SCHUFA!<\/p>\n","protected":false},"excerpt":{"rendered":"
In Germany, it is a legal requirement that every registered vehicle is insured with a motor vehicle liability insurance policy. To ensure that in the event of an…<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[10],"tags":[],"yoast_head":"\n