Motor vehicle: Insurance cover

All motor vehicle owners are obliged to take out motor vehicle insurance and maintain it for as long as the vehicle is registered for road use,

The premiums are calculated on the basis of the following statistical characteristics:

• the type class of the vehicle
• the regional class of the registered keeper's place of residence or place of business,
• the no-claims level

In addition, the insurance companies often take other characteristics into account when calculating the premium, e.g.

• Age of the policyholder / driver
• Period since issuance of the policyholder's and/or driver's driving licence
• Age of the vehicle when registered to the policyholder, current value and/or new value of the vehicle
• annual mileage
• Entries in the driving aptitude register (previously: central traffic register)

If you want to insure damage to your vehicle, for example in the event of fire or theft, you can also take out partial cover insurance.

Comprehensive insurance, on the other hand, also covers self-inflicted damage to the vehicle as well as damage caused wilfully or maliciously. There are different insurance providers with different tariffs.

It is recommended that you seek thorough advice from the insurance company with which you wish to conclude a corresponding contract regarding the appropriate insurance cover for your vehicle.

You can obtain further information from the Hesse Consumer Advice Centre.

• Consumer advice centre Hesse
• Driving Fitness Register

  (Service description in the Hessen-Finder)