Friday March 5th 2021

Cheaper car insurance due to the corona pandemic?

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Since the corona crisis began, many people have stayed at home more often and the car has to stay in the garage more often. This is mainly due to the fact that many no longer have to drive to work, but instead do their work in the home office. But travel behavior also changed in 2020: the majority decided against travel in 2020. Leisure activities such as sports, fitness or music rehearsals also have much less priority this year. These changes and restrictions have the consequence that the speedometer of many vehicles sometimes shows significantly fewer kilometers. Because of this, many car owners can save a lot of money on insurance at the end of the year. Long-term parking in the garage has an advantage, because you can get back from your insurance company from 50 euros and more. The reason for this is that the annual mileage has an impact on the car insurance premium.

Savings? Up to 10 percent possible!

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The principle of car insurance is simple: If you cover fewer kilometers with your car, you can save a lot of money as a driver. For example, if you have driven 5000 kilometers less this year, then there is a good chance that you will get 10 percent back from your insurance. If you normally pay 600 euros this means that you can get up to 60 euros back can. However, it should be noted at this point that the insurance premium also depends on other factors. This includes, for example, the age of the driver and the area of ​​registration. The model can also have an impact on the insurance amount. Not every single kilometer has an influence on the calculation of the contribution. Rather, the kilometers are classified in individual stages. Such a step can take place from 3000 to 6000 kilometers, for example. If you have covered fewer kilometers but are still in the respective level, then the insurer will have to pay you the difference can not be refund. Nevertheless, many insurers are accommodating to their customers and reimburse the amount or at least part of it.

Useful information for drivers

However, if you want your money back from the insurance, you should know that there is a catch: many insurance companies do not give a retroactive refund. As a rule, the insurance companies will only reimburse the money from the time you contact us. The reporting date is therefore crucial. So if you now notice that you have driven significantly less, you can proceed as follows: Pick up the phone or write a letter to the insurance company. You then have the receipt of the letter or contact confirmed. At the same time, you should ask the insurance company whether a discount is possible. If a discount is not possible, you can also ask whether it can be offset against the next premium. It's worth a try! With the money saved, you can then give your vehicle some love. For example with a paint treatment or a Interior maintenance.

CosmosDirectly looking for real car love

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Or maybe there is another way to show your car that you love it? This is exactly what the CosmosDirekt knowledge. They want to know what makes love for one's own car. For example, was it acquired in a special situation? Is the car almost like a second living room or even part of the family?

Then this story can now be told and the real love of cars shared. CosmosDirekt is giving away 10 x 1.000 euros and 777 subscriptions with six issues of the magazine “auto motor und sport” among all participants. There is also the chance to appear in a TV commercial with your own story. All you have to do is submit the story by 12.11.2020/XNUMX/XNUMX.

Taking part is easy: The story of real car love can be in the form of photos, videos or simply as text on the promotion page be told in the form provided. More information about this promotion? Is there HERE!

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