Change car insurance: when is it possible and how??

adminonJuly 21, 2022February 11, 2022Leave a Comment

A new vehicle, a changed life situation or the desire to save money: there are many reasons to change your car insurance. But when is a change possible or. Meaningful? Are there special cancellation periods? What about a special right of termination and how exactly does a motor vehicle termination actually work?? This article clarifies. Also good to know: what to look out for when looking for a new insurance provider?

car insurance: when is a change possible??

In principle, it is possible to change car insurance at four different points in time:

At the end of the contract

If the car insurance expires regularly – i.e. the contract ends – the car insurance can be changed. It is important which date was agreed as the end of the contract in the insurance conditions. The notice of cancellation must normally be received by the insurer 4 weeks before the expiry of the contract. If, for example, the vehicle insurance was taken out on 1 January, the contract ends on 31 December. If the policy was taken out on January 31, the policy ends on January 31.12. The notice of termination must therefore be given no later than 30 days before the end of the contract. November to be made.

After a claim

After a parking accident or an accident, a motor vehicle insurance company settles the claim for the insured party. As soon as the claim has been settled, there is a four-week special right of termination. car insurance can be canceled and thus changed. But beware: this rule applies to both parties, and the insurer may also make use of this special right of termination.

After a premium increase

If the insurance premiums increase without the insurance terms and conditions and the scope of benefits changing accordingly, the insured person also has a special right of termination according to § 40 of the Insurance Contract Act. This is the case, for example, if the insured vehicle is classified in a new, less favorable type class. Insureds should always carefully check invoices they receive. If the invoice amount – with the same benefits – is higher than usual, or if the insurer does not fully pass on the price reduction to the insured due to an improved no-claims class, it is possible to cancel the vehicle insurance.

After the purchase/sale of a vehicle

If you buy a car, you have the right to cancel your car insurance within 4 weeks – either immediately or at the end of the current insurance year. Important: in the case of motor vehicle liability insurance, the following applies according to. §3 of the compulsory insurance law as well as §117 of the insurance contract law the so called subsequent liability. This means that insurers are obliged to maintain liability even after termination of the insurance contract, usually for up to one month from the date of deregistration at the relevant registration office. When a vehicle is sold, the insurance is transferred to the buyer until the buyer changes the name of the vehicle or registers the vehicle with a new insurance company. If he does not do this and if there is no third-party motor vehicle insurance for the vehicle after the expiry of the extended liability period, the registration authority must immediately take the vehicle out of service.

Special case: policyholder dies

Unlike other insurance policies, car insurance does not end automatically in the event of the death of the policyholder. The reason: car insurance is not linked to a person, but to a vehicle. If the policyholder dies, the car insurance passes to his heirs. If the vehicle was transferred to an heir during his or her lifetime, the new policyholder has a special right of cancellation.

Changing car insurance: 4 steps to a new car insurance policy

Step 1: Check the termination date of the vehicle insurance policy

First of all, it is necessary to check at which point in time the vehicle insurance can be changed. Cancellation is usually possible at the end of the insurance year. The effective date for cancellation is then 30 days after the end of the insurance period. November.

Step 2: compare benefits and rates

The search for a new car insurance usually includes a comparison of all insurance providers with regard to their rates and benefits. Which benefits are particularly important? Where to save costs?

Step 3: take out a new car insurance policy

Once a suitable motor vehicle insurance policy has been found and the new contract has been concluded, the policyholder will receive a confirmation of insurance. This is important to ensure uninterrupted insurance coverage. After conclusion of the contract, the insurance company informs the registration office about the change of insurance. The following documents are required for this:

Driver’s license and registration certificate part 1
Contract number and last premium statement of the current vehicle insurance policy
Mileage of the vehicle
Bank details of the policyholder

Step 4: cancel the old car insurance policy

In the last step, the old vehicle insurance is cancelled in compliance with the cancellation period. An informal letter of cancellation is sufficient.

Changing car insurance: how to find the best insurer?

Third party, partially comprehensive or fully comprehensive insurance? Anyone who drives a vehicle on the road needs at least motor vehicle liability insurance – it is considered compulsory by law. However, this does not include damage to your own vehicle. Comprehensive insurance is required to cover these risks. Whether fully or partially comprehensive insurance makes sense depends on the age or the type of vehicle. Value of the vehicle from. For new cars, fully comprehensive insurance is advisable, as it covers all damage, including damage caused by your own fault. Partially comprehensive insurance is usually sufficient for older vehicles. It replaces the current value of the vehicle and covers damage caused by external factors (e.g., damage to the vehicle).B. hail, a wildlife accident or stone impact). In addition, the following benefits should be taken into account when changing car insurance:

Amount of coverage
Amount of the deductible
Is there foreign damage protection??
If driver protection exists ?
Are damages caused by gross negligence insured??
In the case of fully comprehensive insurance: when does the insurance of the new value end??

In the context of a change of vehicle insurance, it is also necessary to check whether a change of the previous type of insurance is worthwhile. This is the case, for example, if the group of drivers changes, a novice driver is to be included in the insurance, or if the value of the vehicle has fallen to such an extent that fully comprehensive insurance no longer appears economical.

TipWhen changing vehicle insurance, it is advisable to clarify the need for or adjust any existing traffic insurance in order to be optimally protected as a participant in road traffic.

Made for life, for the whole and not just a part of it, that’s what inspires peter schoppmann. The head of rolls-royce in germany has by no means only the high-end products of the luxury industry in his sights. when he attended the launch of the new rolls-royce cullinan in berlin in august, he wore an old watch with a worn leather strap on his wrist. "an ankra that my godfather gave me as a communion present," he said when asked.

A very old watch with no special value. But one with a history. Something you don’t give away, don’t like to lend and at best inherit. A faithful companion. As for some his all world car, his VW golf, his renault clio or opel astra.

While our marriages are getting shorter and shorter, the complaints about the throwaway society are getting louder and louder, and the suspicion that the industry is deliberately building weak points into kitchen appliances or washing machines can hardly be dispelled: of all things, our cars are lasting longer and longer.

The fact that "an estimated 80 percent of all rolls-royce ever built are still in use," according to schoppmann, will probably surprise few people. It may come as a surprise, however, to learn from the recently published figures of the european automobile manufacturers association (EAMA) that passenger cars throughout europe are aging more and more each year. While the average age of cars on european roads was 10.4 years in 2013, it was 11.0 years in 2016.

This trend has also continued in germany since the 1990s. in 1993, vehicles were on average 6.5 years old, in 2018 they are 9.4 years old. While in the 1980s the general public made fun of fiat as "faults in all parts," BMW was often translated as "bring me to the repair shop," a whole series of developments have brought about quantum leaps in durability.

Rollsroyce was not exempt from this development. Schoppmann uses a quote originally attributed to the British luxury brand jaguar: "Anyone who had a Rolls-Royce actually needed a second one, because one of them could always be in the workshop."it is fortunate, at least in the eyes of car owners, that traditional british brands such as jaguar have been resurrected by indian conglomerate tata and rolls-royce by BMW.

It may be that some eccentricities had to give way to rational decisions in the process. "but without a large parent company, smaller brands can no longer survive these days," says schoppmann. Much of what is developed, designed and built at BMW today at a cost of several million euros can be found in a refined form in a Rolls-Royce. The twelve-cylinder, 6.7-liter, biturbo-charged, 571-hp engine that powers the new cullinan was originally developed for the BMW 760i, where it produced 544 hp.

The decisive factor for the statistics at this point is not the top or even super luxury class, but the products for the masses. And these have undergone two decisive improvements in recent years: galvanization of the body and improvements in engine technology. Some people may have forgotten the problem that rust alone once posed.

But the terms "rust bucket" or attributes such as "already rusted in the catalog", which have been attributed to some manufacturers, do not come about by chance. Fist-sized holes in doors, underbodies and sills were not uncommon in older vehicles as recently as the 1980s. It was the heyday of those welders who tried to bridge the rusty parts with attached metal sheets.

The subject of rust is now a thing of the past

Gone, done, forgotten. The full galvanization of most car bodies before painting provides relatively reliable protection against rust corrosion. The layer can still be damaged, for example by stone impact or when scraping a pillar u.a., but as a rule it lasts the life of the car.

Zinc also adheres well to metal, is inexpensive, and is non-toxic during processing. Only about two-thirds of it is obtained from ores; the rest is made up of recycled materials. Moreover, its alloy is extremely hard and stable.

However, many manufacturers are now content with partial galvanization of the most important components and seal the cavities with wax. Tailgates or fenders are often left out. In addition, vehicles of the same design from some brands for different markets, for example northern europe as opposed to southern europe, are protected against corrosion to different degrees. Nevertheless, the bottom line is that rust is a thing of the past for the most part.

Used diesel cars are sold abroad as bargains

More and more used diesel cars are being sold as bargains to other european countries. This is the result of a study by the wurzburg-schweinfurt university of applied sciences.

Source: WORLD/ lukas axiopoulos

"the stock has grown in the past eleven years essentially because there are now ten instead of five million vehicles that are 14 years old and older," ADAC spokesman christian buric confirms the observation regarding the increasing durability of cars. Goods to the first 1. Whereas 41.2 million vehicles were registered in germany on January 1, 2008, the figure has already risen to 47.4 million in 2018.

Similar progress as with the bodywork has also been made with regard to engine construction. To anyone who remembers how much oil an internal combustion engine could consume, checking the oil level today may seem absurd. 30 years ago, "one liter per 1000 kilometers" was still considered a rule of thumb and thus acceptable.

But oil is not the only lubricant to mysteriously disappear. One in eight liters of fuel in older engines was also lost through friction. And today? In the meantime, most cylinders have hardened raceways.

"we are still driving the wrong cars"

Whereas they used to be made of heavy cast iron, engine blocks are now mostly made of lighter aluminum, while the cylinder liners have been lined with a wafer-thin layer of steel for about ten years now. Whereas cylinder liners made of gray cast iron were cast into the crankshaft housing in the early aluminum blocks, today the aluminum itself is steel-coated and has a higher surface quality than that of the old engines. Consequence: less oil consumption, longer service life.

At first glance, it is understandable that some diesel historians might rebel. He remembers the eternal life of the mercedes diesel models, also known as "wanderdunen," which could actually run for half a million kilometers and more.

It should not be forgotten that the fuel was not injected directly into the combustion chambers at high pressure, but into the pre-chambers at much lower pressure. This made the engines much smoother, but not as agile as today’s diesel engines. Especially since the combustion of current direct injection engines works much better than that of the often black smoke emitting cab carriages of history.

So all is well? we are at least on the right track as far as the durability of vehicles is concerned. "but we’re still driving the wrong cars," says walter R. Stahel, the founder and director of the geneva "institute for product durability research.

According to the swiss, combustion engines last 30 years under the most favorable circumstances, "electric motors, on the other hand, last 100 years or more, so in principle they last forever". In the long term, there is no getting around electric cars if we are serious about durability and waste avoidance in terms of mobility.

"but since no product usually lasts 100 years or more, the industry must move toward developing modular designs with standardized solutions and strategies for taking back and reusing used parts," says stahel.

Combustion engine still the most frequent source of faults

It would be possible to further develop and renew most of the parts around the drive and still make full use of the service life of an electric motor. "it’s about preserving the economic value of a product and not reducing it to waste after it’s consumed."

Since, according to ADAC statistics, the complex internal combustion engine is still the most frequent source of faults after the starter battery, an electric motor would also be a step forward in terms of durability. No cylinder, no transmission, no exhaust. Friction only exists on the two bearings on which the rotor axle is suspended in the stator of the e-motor. A problem? Not really. Because bearings can be designed for the expected service life of a drive system.

In the future, we can expect vehicles to last longer simply because of alternative engine concepts. Even Rolls-Royce could take a few more steps on this path. And has already tried. So for the 2011 Geneva Motor Show, the phantom was electrified and sent on a worldwide tour with the concept vehicle called 102EX to introduce it to its own clientele.

However, the results were sobering; there was simply no interest. But maybe topics like alternative drives and durability are secondary when it comes to the super luxury category.

You want to use the heating boiler of your coffee machine replace it because it seems to be defective. You are not sure if the heating element of your appliance still works, and you want to use it test. In both cases you have to let your disassemble coffee machine. In this article, we will explain how to do this. We have prepared this article together with our technical support service, so that you know in which case you should replace your coffee and espresso machine need to disassemble. Our experts will be happy to answer your questions. No matter which part needs to be replaced, we will show you below, step by step, how to replace your coffee maker open can.

The necessary steps to disassemble a coffee machine

How to recognize that the coffee machine is no longer working properly?

Your coffee machine can have various faults: it can z.B. water leakage, or on the contrary, it may be clogged, so that no coffee more flows. It can also happen that cold coffee flows. This is very uncomfortable at breakfast!

In all these cases, you need to remove the coffee maker take apart, to either test or replace the parts in question!

A flat screwdriver
a crosshead screwdriver
A pincer

1. remove the water reservoir, coffee spout, cup tray and drip tray

take the water tank from.

Then open the protective cap and remove them the coffee spout.

Then remove the cup-tray.

Remember also, the drip tray take out.

photo-avertissement-demontage-cafetiere-expresso-senseo

2. Take off the back cover

Take with the help of a screwdriver the rear cover from.

3. Pull the hose

Take the hose off by pulling on it a little.

4. Remove the protective cover

Use a flat screwdriver as lever to the protective cover remove.

Then press the plastic tabs, to remove the protective cover.

5. Detach the boiler

First loosen the upper pipe of the boiler with the help of of a screwdriver.

Then solve it the boiler with the screwdriver.

6. carefully remove the protective caps from the connectors

Tighten gently the protective caps of the connectors, to take it off.

7. disconnect the wires of the heating element

With pliers separate the wires of the heating element by pulling on it.

8. Disconnect the connections of the sensor

The sensor is on one side of the boiler. You only need to pull a little.

9. Remove the sensor

Now all you need is the lower tube of the boiler to be able to remove the heating pot.

10. Remove the plastic housing

Use the a screwdriver as a lever and place it under the coffee machine to.

Then take off the plastic housing.

11. Loosen the cover of the electronic board

Take with the help of your screwdriver under the coffee machine the cover of the casing, where the electronic board is located.

Congratulations! They succeeded, taking the coffee machine apart. Now you can always try again! First of all you should take a little coffee break. But to do this, they first have to test the coffee machine reassemble. Don’t worry, they do it the same way, but only in reverse. If you have taken pictures of the whole thing before, it should not be difficult!