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.
