insurance Price for the BYD Seal from 07/2025



    Hello guys!


    Sorry I don't speak German, I hope my message is still welcome.


    I'm planning to buy a BYD Seal. I really like the car but god damn the insurance cost for a full comprehensive insurance is just INSANE.

    I am from France and trying to apply my bonus in Germany, so far I found Allianz who can apply a SF7 over my 13 years of driving.

    But the insurance price for the year is 1900euros!!! This is just insane. The car is "used" but first registration was in July 2025.

    What are the options here ? Are you also paying a very high insurance?

    In comparison, in France for the same car,same policy, I'd pay only 1000€/year.

    Try to use first check24 or verifox to compare prices. Try to find out how and if bonus years (schadensfreie jahre / years without damage) can be transferred from France to Germany. AI (Gemini or Chat GPT) is usually quite helpful for such questions plus any other follow-up questions.


    I would also try to find some kind of confirmation from your previous French insurance fpr the 13 years without damage.


    For comparison....I pay 870 eur now for comprehensive car insurance (Vollkasko), my SF class ist SF19...Its my first year with Vollkaso....they took this SF class because of my 18 damage free years in partial comprehensive insurance (Teilkasko).


    From Gemini...

    how ist it possible to transfer 13 years of driving a car without accidetns in France to Germany so that you can apply for sf13?


    To transfer your French no-claims bonus (known as "bonus-malus" in France) to a German insurance company, allowing you to potentially get a high SF-Klasse like SF13, you need to obtain a specific document from your French insurer. This document is a certificate of no-claims bonus ("attestation de bonus-malus").

    Here's a step-by-step guide on how to do it:

    1. Request the "Attestation de Bonus-Malus"

    Contact your former French car insurance company and ask for an "attestation de bonus-malus" or "relevé d'information" (information statement). This is a standard document that every insurer must provide. This certificate will show: Your name and personal details.The start and end dates of your insurance contract.The vehicle(s) insured.Your driving history, including any claims or accidents.Your final bonus-malus coefficient, which directly reflects your number of accident-free years.

    For 13 years of accident-free driving, your coefficient should be very low (e.g., around 0.50). This coefficient is the key piece of information that the German insurer will use.

    2. Present the Document to German Insurers

    When you apply for car insurance in Germany, you must provide the "attestation de bonus-malus" to the German insurance company. They will use the information on this certificate to determine your SF-Klasse (Schadenfreiheitsklasse). Recognition of EU Driving History: Since both France and Germany are in the EU, most German insurance companies will recognize and accept your French no-claims bonus. They will convert your French bonus-malus coefficient into the corresponding German SF-Klasse.SF13 and Beyond: A coefficient of 0.50 usually corresponds to the highest SF-Klassen, often SF25 or even higher, depending on the specific insurer's system. While you've driven for 13 years, the German system often has a wider range of SF classes, so you may be able to be placed even higher than SF13. This can lead to significant savings on your premiums.

    3. Key Documents and Information to Have Ready

    Original French no-claims certificate: This is the most crucial document. Make sure it's the original or an official, high-quality copy.German translation (if necessary): While many German insurers are familiar with these French documents, having a sworn translation of the certificate can speed up the process. Ask the insurer beforehand if a translation is required.Proof of residency: You'll need to prove you are a resident in Germany (e.g., with your registration certificate from the local "Bürgeramt").Your French driver's license: Your French EU driver's license is valid in Germany, so you do not need to convert it.

    Important Considerations

    Not all insurers are the same: While most major German insurers will accept foreign no-claims bonuses, some might be more difficult than others. It's recommended to compare offers from several insurance providers. Some companies, particularly those catering to expats, may have more streamlined processes.Gap in coverage: If you have a significant gap between your last French insurance policy and your new German one, some insurers may not accept the full no-claims period. It's best to apply for German insurance as soon as possible after your French policy ends.Insurance in your name: The no-claims bonus must be in your name as the policyholder. If you were a secondary driver on a policy, it may be difficult or impossible to transfer the SF-Klasse.

    Thank you for your reply!


    I already did this, but in France, the official document called "relevé d'informations" only shows the last 5 years...

    So Allianz offering a SF7 is good!


    I already used Check24 and what Allianz is offering is kinda accurate with what the website shows.


    The first quote for a 11/2024 Seal was 1700€/year, it went up to 1900€/year because of the newest car.


    I will also try to raise my franchise up to 500€, it would probably lower the price.

    What about also the Bonus drive. Anyone is using it? How is your experience?

    Thanks!


    I will try again with them but my experience with them was pretty bad. They were asking for a document which French Insurances are not providing.

    HUK24 didn't want to know everything about it.


    I will try again my luck with them.

    Just adding a few points...


    Not only milage per year, but also...(even though mileage is the most important factor)

    - Access to other cars on regular basis (some might offer better prices because you are considered more experienced)

    - Relationship or family (you are considered to be more cautious)

    - Certain jobs might give you better rates (be creative..I am in IT, but usually I just say that I am a Diplom Betriebswirt which is true)

    - Garage (if you have access to a garage once or twice a week....)

    - ..........plus some other points


    Most of these points can not really be checked by the insurance as long as your story is legit (e.g. I never drive my parents car, but officially I do once or twice a week...also my car is half the week at my girlfriend...but officially it is every night in my garage or the garage at work...).


    Also I have payment of 500 eur for the full comprehensive car insurance cases (Vollkaso).

    Zitat von moskito99

    Just adding a few points...



    Most of these points can not really be checked by the insurance as long as your story is legit (e.g. I never drive my parents car, but officially I do once or twice a week...also my car is half the week at my girlfriend...but officially it is every night in my garage or the garage at work...)..

    And because of that, many insurance companies do not change the insurance value, even if they ask for this detail ^^


    E.g. Admiral Direkt.

    They ask for a parking garage, but it has no effect.

    Zitat von Speeder172

    Tha k you very much guys!


    I will definitely try some solutions that you shared here and hopefully I'll be able to afford a cheaper insurance :D

    I came from a 2004 BMW with Teilkasko....(partly covered....)...that was down to 290 eur per year....Of course with a new car this does not make any sense. Going for the extra payment of 500 Eur was my only way to keep the costs at a decent level. I can manage to up to 500....I just wanted to cover heavy damages that break your bank if needed.