ELVIA Compare car insurance
Guide

COMPARE CAR INSURANCE – COMPARIS AND CO.

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Guide overview
On sites like Comparis and Bonus, you can calculate your personal insurance premium in just a few clicks and compare quotes from different car insurers for free. This sounds convenient, but there are a number of risks. We reveal what you should bear in mind with comparison sites.
Comparison sites do not offer insurance policies themselves. Instead, they compile quotes from different insurance companies. This saves time and enables transparent comparison of quotes. To provide this service, however, the comparison sites require certain information from you.
To generate your personal quotes and compare car insurance policies , the first thing you have to do is choose your vehicle. The best way to do this is to search using the type approval number, which can be found on the right-hand side of your vehicle registration papers under number 24.
The age of your car and the value of the accessories are also relevant for the premium. It is important to declare the correct value of the accessories – otherwise you risk underinsurance and a reduction in benefits in the event of a claim. Incidentally, accessories with a value of 10 % of the catalogue price are insured as standard with most insurance policies.

Comparis puts the cheapest quotes at the top of the list. However, the cheapest quotes usually exclude many types of coverage that you selected. Please pay attention to the following points in particular when comparing car insurance quotes:

  • Compare the deductibles: cheaper quotes often include very high deductibles, meaning you have to pay the repair costs for smaller claims yourself.
  • Find out about the premium level and the bonus/penalty system: which level have you been assigned to and how would your premium change after an accident?
  • How does the insurance company calculate the residual value of your vehicle in the event of a total loss? Is the replacement value supplement insured, and if so, until which year?
  • How long does the contract run for? Most insurance companies offer one-year contracts: that way you can look around for cheaper alternatives on the market every year.
  • In addition, many insurance companies offer discounts for drivers aged over 25 or special offers for new drivers.

Incidentally, it is often worth comparing premiums directly with the insurance companies. Whereas Comparis usually shows you fixed packages, the insurer’s website enables you to include or exclude individual components. And what is more, the premiums often differ from the quotes on Comparis.

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If a particular offer interests you, you can order a quote for it by e-mail. If you are happy with the quote, you can contact the insurance company directly and accept it.

In addition, with some insurers, an advisor may also contact you by telephone to discuss the quote. With car insurance in particular, it is advisable to accept this free consultation as sometimes important details can be overlooked. This is also the time to ask any questions or clarify any uncertainties you may have. And just because you are receiving personalised advice, this does not mean that you have to take out the insurance policy.

  • Comparison websites are a great way of obtaining quotes from different insurance companies and comparing car insurance prices online
  • Beware: the quotes on comparison sites often do not provide exactly what you asked for
  • Compare the quotes carefully and do not just accept the cheapest offer
  • Calculate the premium on the insurance company’s website, too – it will often be different to the premium shown on the comparison site
  • Obtain personalised advice and ask any questions you may have before taking out a car insurance policy
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