Change your car insurance in good time (up to 30.11.) and save

adminonFebruary 25, 2022February 11, 2022Leave a Comment

At the end of each insurance year, you have the option to cancel your motor vehicle contract. At the latest at this point, every car owner gets the chance to choose a cheaper insurance policy. What you should bear in mind when changing your insurance policy?

With the right car insurance, you can protect yourself and your vehicle from unpleasant damage.

A great many Germans often pay too much for their current vehicle insurance. the premiums increase every year, as shown by the figures of the german insurance association. With almost 27 billion euros in premium payments in 2017, motor insurance is by far the largest category in property and casualty insurance.

In this country, every car owner is obliged to take out motor vehicle liability insurance. The German Federal Motor Transport Authority (Kraftfahrt-Bundesamt). January 2018 a total of 63.7 million registered vehicles registered in germany. This means an increase of 1.1 million compared to the previous year. With so many potential customers, car insurance companies are constantly trying to attract car owners with their rates.

the insurance premiums paid by a car owner depend on the vehicle, the place of residence, possible claims history and other parameters. How to save costs? Many motorists can take advantage of attractive discounts by making a comparison and switching car insurance in a targeted manner. Before making the switch, drivers should find out in detail about the rates of competing providers. It’s worth doing some research, because you can save up to 85% on premiums or up to 850 euros a year if you switch.

When is the right time to change?

To get out of your old insurance policy in time, you need to know the deadline for cancelling it. As a rule, the end of the calendar year is decisive, with a usual cancellation period of one month. The written notice of cancellation must therefore at the latest by 30. November present at the insurer. If this deadline falls on a weekend day, most providers will then also accept the late receipt on the 1st working day of the month. Or 2. December. Sure is however rather the last friday before.

But you shouldn’t rely on that: some car insurance policies are not based on the current calendar year, but rather on the date of conclusion of the contract. Therefore, please study your insurance policy carefully before you embark on the 30.11. Leaving.

You can save money by switching to a different vehicle insurer in good time.

Special termination rights

Under certain conditions, it is also possible to change car insurance outside the regular cancellation period. Then so-called special termination rights will come into force: when the insurer increases its premium rates or after a claim subject to insurance on the vehicle, irrespective of whether or not the damage was settled without major problems. Also when selling your own vehicle or changing vehicles if this case occurs.

Under these special conditions, the cancellation period is also one month from the receipt of a premium increase or from the loss adjustment notice from the insurer.

Consider all important criteria when switching

Independent comparison portals allow car owners to find the most favorable conditions for certain personal characteristics (second cars, home owners) and occupational groups. However, some criteria apply in any case, even if you change to another insurance company. So the current no-claims class is included in the new contract.
(the percentages in the individual damage-free classes can differ by up to 5 points).)

Only a metal defect or a major repair? After a claim on the vehicle, many details determine the future no-claims class.

Every fall, around two million drivers change their insurance coverage. When switching, however, it is not only the premium rates that should be considered, but also the corresponding benefits. Often, the rates are only so low because they offer correspondingly lower services. Which type of insurance is the right one and what should you pay special attention to?? This applies above all to the question of whether compulsory liability insurance is sufficient or whether partial or fully comprehensive insurance offers better protection.

It always depends on which vehicle class and which vehicle type you base your selection on.

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If you want to lease a car, you don’t have to choose just one manufacturer or model. For leasing itself, too, there are different variants which, depending on the initial situation, can be more or less sensible. Leasing offers differ, for example, in the question of whether a down payment must be made for the vehicle or not. The down payment on a lease is often referred to as a special lease payment.

One thing is clear: nothing is given for free (unfortunately) even when leasing. The total amount to be paid over the term of the leasing contract – typically over a period of two or three years – always remains largely the same for both options. Therefore, the simple rule of thumb is: the higher the initial down payment, the lower the monthly lease payment. In the case of a lease without a down payment, it is therefore natural that the leasing rate is correspondingly higher.

Leasing without down payment usually more attractive

A closer look shows why, in many cases, leasing without a down payment is nevertheless the more interesting option. Those who make a high down payment subsequently enjoy a relatively low leasing rate (and sometimes a small interest rate advantage, but this is usually negligible due to the current extremely low interest rates).

But the lessee buys this by having to spend a large sum in one go. In addition, it is by no means the case that leasing without a down payment necessarily entails exorbitantly high leasing rates. Thanks to the great transparency on the leasing market, it is now possible to compare offers quickly and easily online. In addition, many car manufacturers and dealers offer vehicles on lease at very favorable conditions with a low rate, sometimes as part of special campaigns and also to get produced vehicles "on the road" as quickly as possible. All this leads to the fact that leasing without down payment, for example for small cars, there are often offers with a leasing rate of less than 100 euros per month. If you add a little more to the rate, you’re already in a range where a compact car is possible – all without a down payment, mind you.

The great advantage of leasing without a down payment is that liquidity is preserved and no large sum has to be paid at once. And this is of course just as interesting for private lessees as it is for commercial or industrial lessees. Business leasing.

to find an interesting leasing offer without a down payment, you no longer have to go through the tedious process of visiting various stationary dealers or obtain individual offers directly from the respective manufacturer. Here, too, the internet offers the possibility of comparing conditions very quickly and easily. For example, you can find offers for leasing without a down payment on online leasing platforms such as leasingtime.De or other portals. Many cars are offered there directly without a special leasing payment. This makes the leasing market particularly transparent and saves you the effort of coordinating your research with the individual dealer or bank.

Important for leasing without down payment: mileage leasing instead of residual value leasing

However, there is one thing you should be aware of when leasing without a down payment, so that you don’t get a nasty surprise at the end of the leasing contract: it should definitely be a mileage lease, i.e. a form of leasing in which a certain mileage per year is specified for the vehicle and included in the leasing rate (e.g. 15 kilometers per year).000 kilometers). In a residual value contract, on the other hand, a target value is agreed for the amount that the vehicle should be worth at the end of the term (residual value). In this case, the lessee bears the risk if the residual value falls below this amount. Since used car prices cannot be reliably forecast over a period of several years, this represents a risk that is difficult to calculate, even for experienced car professionals. It is therefore advisable to make sure that the lease is a mileage lease. In this case, one should also not be deceived by lure offers that appear to be extremely inexpensive.

When a down payment can be useful for leasing

However, it should not go unmentioned that there are also special cases in which a special payment can be useful or even necessary instead of a lease without down payment. This is the case, for example, if the lessee is a start-up entrepreneur with a newly founded company or possibly a person with a lower income. In both cases, the creditworthiness is not particularly good and the requirements that the leasing bank actually makes may only be partially met. In this case, a down payment may give the lessee the opportunity to obtain a leasing contract anyway. Since a larger sum of money is paid at the outset, the risk for the leasing bank is logically reduced and the requirements placed on the lessee’s creditworthiness are somewhat lower. In such scenarios, leasing with a downpayment or a downpayment with a downpayment can be a good option. A down payment can be a kind of "plan B" in the event that the bank does not accept the lease without a down payment.

Apart from this and similar special cases, it can be clearly stated that leasing without down payment is the most interesting option for the vast majority of lessees.

Jaguar F-pace and I-pace tested – is the I-pace the better F-pace??

The Jaguar range includes the I-pace EV400 and the F-pace P400, two fine SUVs with – of course – 400 hp. so it’s time to answer the question who offers more space, more power and more driving fun with the best possible efficiency in a direct comparison.

parking lot skilift halde on the L 1236, swabian alb. Comparison drive, vehicle change. The colleague gets out of the grim gray F-pace R-dynamic SE with a broad grin and shakes his head. "no chance – this one is good, steers precisely and is fast, but i can’t keep up with it. It’s like I’m on a staggering bus and you’re on an ICE train." he is right. It’s sensational to see how the I-pace sits so comfortably on the road, how it stoically negotiates bends with a minimum of sideways lean, and how it can reach speeds that were previously almost unheard of here, despite all the legalities.

The ingredients? 13 centimeters lower center of gravity than in the F-pace, sensitive steering, air suspension, 22-inch wheels. The fact that the E-jag, with an empty weight of 2.23 tons, weighs 150 kilos more, is irrelevant. Not even in the rain and at low temperatures, by the way. Of course, he sometimes understeers or oversteers, but he quickly understands what’s going on, pulls, pushes or brakes his way out of any predicament. but ESP should always be active.

Only during brisk braking maneuvers does it become clear how heavy the 4.68-meter SUV is and that braking systems in e-cars definitely take some getting used to. its brakes respond too tamely, and if you really want to go briskly from curve to curve, you have to step on the pedal a lot. The measured values themselves (35.6 meters from 100 km/h) are okay, and in some cases even better than those of the F-Pace, which despite its impressive braking system (380 millimeter discs at the front, 325 millimeters at the rear) decelerates less vehemently. Why you still trust it more? Because it can be dosed more finely and to the point.

Famous six-cylinder engine

The comparison of the two powertrains, which nominally have the same power output, is equally exciting. The I-pace is powered by two permanently excited synchronous engines, each rated at 147 kW – integrated low down and in a space-saving manner in the front and rear axles. The drive shafts run through the engines, their torque is 348 newton meters – per engine, of course.

Promising figures, but the F-pace holds up well. Its new in-line six-cylinder engine is a technical masterpiece: three liters of displacement, electrically driven compressor, twin-scroll supercharger, 550 nm of torque and, thanks to the belt starter generator, mildly hybridized as well. Thanks to its high traction, the rear-heavy all-wheel-drive vehicle gets off to a stormy start and impresses with its even and powerful power delivery. Not to mention the smooth running and excellent sound – regardless of the driving mode or engine speed.

But the big burner only gathers its 400 hp at 5 dB(A).500 km/h, whereas the same power and 696 newton meters of torque are already available at the start of the I-pace and it sprints away correspondingly faster. However, a look at the measured values shows that the P400 engine concept is well worth it: up to speeds of 30 and 60 km/h, the F-pace is only 0.1 and 0.3 seconds behind the I-pace. But then the first gear changes are made, and the e-jaguar purrs away. 100 km/h is reached after 4.9 seconds, 160 after 11.2 seconds (F-pace: 5.8 and 12.6 s). The only thing it can’t match is the 250 km/h of the gasoline-powered SUV, although 200 km/h is certainly high for an electric car.

Noticeable: the ZF automatic transmission in the F-pace is very rough when driving more rigidly. It appreciates downshifts from high speeds all the more. The I-pace only has one recuperation level (0.4 g braking force), which can only be activated in a cumbersome manner via the touchscreen rather than the steering wheel paddle.

The energy storage tank is quickly empty

Also less grandiose: power consumption, range and charging times. Test consumption is 32.2 kwh, net capacity 85 kwh. So after just 300 kilometers of driving, the I-pace is already on the power cord at. eleven kW of charging power must suffice via onboard charger. The jaguar, which is manufactured by magna steyr in graz, can be charged at a fast charging station with up to 100 kW. Not much for an SUV with 432 pouch cells in the underbody. 35 minutes should be allowed for a 20-80 percent fill-up under good conditions.

Free gas pumps are quickly found thanks to a competent navigation system that even shows the expected electricity costs. In general, by the way, the new pivi pro infotainment installed in both SUVs is a fine device – large screen, intuitive operation, clear map display, two SIM cards, interfaces for two cell phones, wifi and more. Power flow, battery status and consumption are also very clearly displayed by pivi pro.

The six-cylinder engine in the F-pace consumes an average of eleven liters and impresses with a test consumption of just 8.5 l/100 km on the 275-kilometer eco lap – not bad figures for an all-wheel-drive SUV with this kind of power. Because the fuel tank has a capacity of 83 liters, the range is close to 1.000 kilometers not far away with a relaxed driving style. And of course the F-pace is quickly ready to drive again. We set a standard time of eight minutes. Accordingly, it scores points here.

The P400’s carbon dioxide emissions, on the other hand, look lousy: 256 grams to 129 grams. Or in hard points: five for the F-pace, 37 for jaguar’s first e-car – a massive lead. Whereby we note here that we do not take into account the effort for battery production and durability. Jaguar grants a warranty of eight years or 160.000 kilometers to a battery performance of 70 percent. as recently as april, jaguar land rover invested $20 million in battery resourcers, a start-up company that recycles old batteries.

Driving comfort that convinces

The two jaguars are surprisingly similar in terms of suspension comfort. The SUVs handle even rough uneven surfaces smoothly, with limited body movement. The I-pace also rolls even more smoothly at low speeds than its long-legged counterpart. However, the comfort plus in the e-car costs extra again, because the minimum 77.300 euro test car has the optional air suspension with additional adaptive control on board (2.938 euro). Then there are the massive 22-inch rollers (255/40 R 22), for which jaguar charges a totally immodest 5.500 euros charged. With the F-pace R-dynamic SE for 80.450 euros, the adaptive dampers and the big wheels are included in the price, but there’s no air suspension. Accordingly, the SUVs are priced close to each other.

Now let’s check out the inner workings of the two. The differences in material quality and space for the passengers are minimal and partly due to the different configurations. The I-pace comes with cozy sport seats, while the driver and passenger of the F-pace are accommodated in performance seats that offer good side support, but are not as comfortable. Here as well as there, they are subject to an additional charge, whereby the furniture in the I-pace, which is upholstered with vegan materials, is around 2.is calculated 000 euro more expensive.

Jaguar F-Pace P400, Jaguar I-Pace EV400, exterior

Although both jaguars belong to upscale SUV society, they are surprisingly utilitarian. Two-piece backrests, cargo rails and luggage safety nets are no longer a matter of course in this segment. The F-pace even has space under the load floor for its luggage cover and could tow trailers weighing up to 2.4 tons. More luggage (with the backrests up) can be carried by the I-pace. And don’t forget the 27-liter storage space in the front as the perfect place to stow your charging cables. The cookie is located in the front left.

The I-pace is more economical

That still leaves the cost check, but there’s not much to clarify there. As mentioned, the I-pace is basically more expensive than the better-equipped F-pace, but the government subsidy (7.975 euros) more than compensates for the extra price. If you then take the energy costs alone – fictitiously calculated to 100.000 kilometers (fuel: 1.66 euros, electricity: 0.31 euros), the I-pace costs around 6 euros per kilometer over this distance.000 euro cheaper. And that’s how it secures the victory for itself.

With the right car insurance, you can protect yourself and your vehicle from unpleasant damage.

When is the right time to change?

Special termination rights

Consider all important criteria when switching

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