If you compare your car insurance premium with other people's, you will see that there are some differences. Why is this the case? Several factors determine the amount of your car insurance premium. These include:
In addition, car insurance premiums vary depending on the company you insure your car with. For that reason, it is best to get several quotes before taking out a policy. The easiest way to obtain a quote from us is with our premium calculator.
If your car insurance premium increases from one year to the next, there could be several reasons for this. For example:
1. Your bonus level has changed
No claims submitted in the last year? In this case, you may have been upgraded to a lower bonus level, leading to a reduction in your car insurance premium. Conversely, in most cases, your premium will increase if you submit one or more claims in a year. By the way, you can avoid an increase in your bonus level after a claim by taking out no-claims bonus protection in advance. .
2. General price developments
Rising inflation and general cost increases also have an impact on your premium. For example, state-of-the-art electronics in vehicles make repairs more complex and therefore more expensive. And a year with an above-average number of hailstorms also affects everyone's premiums. By the way, if you want to know what to do in the event of hail damage, please .
3. A temporary discount
Perhaps you benefited from a promotion with a temporary discount in the first year of your policy? Once this ceases to apply, your premium will become more expensive.
Although you cannot change the entire amount, there are still a number of ways to lower your car insurance premium:
The premium for your household contents insurance is primarily based on the value of your household contents and your personal living situation. Do you live in your own home or in a rented one-bedroom apartment? How many people are there in your household? Do you own jewellery or valuable furniture or collector's items? In the event of a claim, you will be reimbursed in the amount of the insured value. The higher this is, the higher the premium.
Other factors include the deductible and the types of cover you select. Do you want your valuables to be insured outside your household as well? This is possible and sometimes makes sense, but it will affect your premium.
Our tip to ensure that you always have optimal cover: check the value of your household contents regularly. This way, you can see if the value and the sum insured are still correct. If you are underinsured, the indemnity you receive in the event of a claim will be too low. Read our and calculate the sum insured for your household contents with our .
Your household contents premium may change for several reasons. It may do so in the following cases, for example:
Here are three easy ways to lower your household contents premium: