Which car insurance is good and inexpensive??

adminonJuly 15, 2022February 11, 2022Leave a Comment

A car insurance should be as cheap as possible, but at the same time really good. Does this fit together at all?

Decisive for good car insurance.

Whether you’re changing or buying a new one, before you start looking, you should think about which criteria are most important to you when it comes to car insurance. Because it is not only the price that determines how satisfied you will be with the insurance in the end. You should take the following aspects into consideration:

Are comparison portals helpful?

On the internet you will find dozens of comparison portals. They provide an initial overview of insurance companies and rates. However, you should keep in mind that these portals are not independent and do not list the entirety of suppliers. For a first comparison, however, a portal search can be helpful.

Liability or comprehensive insurance?

Simplified, it can be said that liability insurance is about price, while comprehensive insurance is about performance.
In germany, every car that is registered for road use needs a minimum level of protection – liability insurance. It compensates for damage caused by you as the owner or. you cause damage to other people or their vehicles. Many policyholders are primarily interested in a favorable rate. That’s why some people don’t take out comprehensive insurance.

If you then cause an accident, however, you have to pay for the damage to your car yourself. And that can quickly become expensive, even for minor damage such as a broken window or damaged paint. Partial or fully comprehensive insurance is therefore advisable. Fully comprehensive insurance covers z. B. Also covers self-inflicted damage or vandalism; recommended especially for new cars. Partial casco, on the other hand, pays out for certain types of damage that are not self-inflicted: z. B. In the event of theft, wildlife accidents or if your car is damaged by bad weather such as hail and storms. This also covers the often costly damage to cables and hoses caused by marten bites.

Important: in vehicle liability and comprehensive insurance, you also collect no-claims years and thus receive discounts on the actual premium over time. The longer you drive accident-free, the cheaper it is.

Important information on insurance premiums

If you are a beginner or a pensioner?
Who else drives the car besides you?
How many kilometers do you drive per year??

All of these factors are ultimately reflected in your premium.

Type class:
if you are driving a car with a low class, you can already save costs. You can find the respective type classes online.

Mileage:
even frequent drivers pay a higher premium, because the risk of an accident increases with every kilometer they drive. For example, if you pay 15.000 km, pays compared to a driver with only 6.000 km more. When taking out insurance, do not overstate your estimated annual mileage. However, you should not cheat your mileage downwards just to save money. In the event of a claim, it can be expensive if the insurance company finds out that you drive far more than stated.

Residence:
in the regional class, insurers group together cities and municipalities. Statistically, more accidents occur in some regions than in others. If you live in an area with a high accident rate, you will pay higher premiums. As the policyholder, you cannot influence this factor.

Payment:
You can also save money by choosing the annual payment method. You can save a few euros compared to paying quarterly or monthly premiums.

Choose the right deductible

For a high deductible in the comprehensive insurance you will receive a premium discount. You then have to pay for minor damage yourself, for example if you break the protective glass on your turn signal. This saves the insurer administrative costs. 150 EUR deductible is common for partial coverage, 300 EUR for fully comprehensive coverage. A higher deductible can be worthwhile, but in most cases it only brings a small saving.

Are additional benefits useful?

It depends on your personal situation. With the so-called mallorca policy, you can increase the liability insurance sum for the rental car abroad to the German level. Additional protection against damage caused by martens and deer may be advisable. In the event of a breakdown, your insurer will organize immediate assistance and pay for the possible removal of your broken-down car as well as for an onward or return journey service. If you can do without these additional benefits, your premium will be lower and you will save money.

Different amounts of coverage

The coverage or. Sum insured is the amount of compensation an automobile liability insurance company will pay for a claim. The legislator stipulates a minimum sum of 7.5 million euros. EUR for personal injury, 1.22 million. EUR for property damage and 50.000 EUR for property damage before. most insurers offer coverage of 50 mio. Or, like NuRNBERGER, 100 mio. EUR an. You can save a little on premiums if you have a low level of coverage. However, if you cause a major accident, you will hardly be able to pay for the damage out of your own pocket. It is therefore not advisable to cut corners when it comes to the sum insured.

To which garage after the accident?

Another way to save money is to lock in the repair shop. It can give you a premium saving of approx. 15 % in comprehensive insurance. As a driver, you agree to have your car repaired at a repair shop selected by the insurer in the event of a claim. You should bear in mind that the insurer, such as NuRNBERGER, has the repairs carried out according to the manufacturer’s specifications. Otherwise you could jeopardize the manufacturer’s warranty.

It’s the service that counts.

As with credit institutions, there are also more and more direct providers in the insurance sector. On average, they are cheaper than conventional car insurers, but they do not offer personal advice and do not have a branch network. While you can save a little on direct insurance, you’ll be giving up the convenience of the all-around service of a traditional insurer, z. B. In the event of a claim.

Did you know?

If you’re looking for good car insurance, you shouldn’t just look for the lowest price – because cheap insurance can cost you dearly in the event of a claim. Click here to find out which NuRNBERGER tariff suits you best.

Rheumatoid arthritis, multiple sclerosis and diabetes mellitus type 1 – they all belong to the large group of autoimmune diseases. The term covers a total of about 100 different diseases whose cause lies in excessive reactions of the immune system against the body’s own cells or tissues. Worldwide, about one in 20 people is affected by one of these diseases. (1)

Our defense system

Normally, the immune system works like the body’s own police force: it recognizes invading pathogens and the body’s own threats, such as cancer cells, in order to launch defense reactions. at the same time it remembers the danger and builds up an immunological memory over time to be able to react faster when contact is made again. To do this, the body uses a complex system consisting of an interplay of certain molecules (humoral immune system) and several groups of specialized cells (cellular immune system). However, this system has to be balanced exactly, because both a too weak and an overshooting immune response or the wrong classification of the body’s own structures as foreign can lead to severe diseases. (1)

Biopharmaceuticals improve quality of life of patients with autoimmune diseases

In recent decades, the quality of life of patients with many autoimmune diseases has improved. This has been made possible primarily by improved molecular diagnostics, such as tests to detect autoantibodies, new imaging techniques, and advances in drug therapy. The introduction of biopharmaceuticals in rheumatology, for example, has helped many arthritis sufferers who have not (or no longer) responded adequately to standard therapy with low-molecular-weight immunosuppressants such as cortisone and methotrexate to experience a significant reduction in joint pain and destruction. The proportion of employed rheumatism patients has also been increasing steadily for years. (2) (3)

The majority of biopharmaceuticals in this field are monoclonal antibodies that intercept messenger substances of the immune system and thus inhibit the inflammatory reaction. However, it has not yet been possible to combat the causes of most autoimmune diseases, or even to cure them. In addition to the complex interplay between the components of the immune system, which is still not fully understood, the course of the disease is very individual, so that it is difficult to make generally valid statements for individual clinical pictures. (4)

Plasma cells maintain chronic inflammation in lupus erythematosus

Systemic lupus erythematosus (SLE) is another autoimmune disease that can only be treated symptomatically. The disease is accompanied by inflammation throughout the body, and in severe cases there is anemia as well as inflammation of the heart and kidneys. in 2011, the first drug in 50 years was approved for the treatment of sLE: the biopharmaceutical belimumab. this antibody prevents the cytokine baff from activating B cells. Previously, therapy was primarily carried out by treating the symptoms with general anti-inflammatory and immunosuppressive drugs. Now, a team of scientists from the charite hospital in berlin and the german rheumatism Research center has described in the prestigious new england journal of medicine a possible new strategy to specifically treat sLE using monoclonal antibodies. (5)

The novel treatment centers on the CD38 molecule. This enzyme is located in particular on the surface of plasma B cells, which are part of the immune memory. the task of the plasma cells is to continuously produce antibodies against pathogens that have already been combated. However, when these antibodies are directed against the body’s own structures, as in SLE, plasma cells maintain the inflammation by continuously producing autoantibodies. In preliminary studies, the team has already been able to show that CD38 is also increasingly detectable on other cells, such as T cells, and in the blood of SLE patients. (6)

Erasing the immune memory with an antibody

Based on these findings, the researchers developed a therapy for two SLE patients who had developed severe lupus. To reduce the release of autoantibodies by plasma cells, they were treated for four weeks with a monoclonal antibody that binds specifically to CD38. The therapy greatly reduced the level of autoantibodies and the associated symptoms of the disease, which remained stable for several months. At the same time, no unacceptable side effects have been observed. Now, a larger study will investigate whether the use of this antibody, which has already been approved for multiple myeloma, is safe and effective in other lupus patients as well.

Arbiter among immune cells

a possible risk of the therapy is an increased susceptibility to infections, because the drug also disrupts plasma cells, which produce protective antibodies against pathogens. In the search for an approach to the targeted suppression of undesired immune responses, a special group of immune cells, namely regulatory T cells (tregs), has therefore been the focus of scientific attention for several years. (7)

task of tregs is to balance immune responses. For example, they can release anti-inflammatory messengers such as interleukin-10, but also induce programmed cell death in autoreactive cells through direct cell-cell contact. In many autoimmune diseases, however, the balance between these referee cells and the overreacting immune cells is disturbed, for example because the tregs are inhibited in their number or function.

Treatment with treg cells should balance immune system

The goal of novel treg cell therapies is to restore the natural balance between regulatory and effector cells. As long as 30 years ago, a research group in australia was able to show that treating rats with tregs can suppress the immune system’s rejection reactions to an organ transplant. According to a review paper published in september, 12 clinical trials of treg cell therapies for autoimmune diseases are already underway. Half of these projects are focused on type 1 diabetes, but regulatory T cells are also already being used in phase II trials for other diseases such as morbus crohn’s chronic inflammatory bowel disease. (8)

Preliminary results indicate that this form of immunotherapy is also safe and has been shown to be effective in several studies. If translated into clinical practice, this would be another important step towards improving the treatment of severe chronic autoimmune diseases.

Update (29. January): our article and our message to LEGO has (unfortunately only briefly) borne fruit: the store under the .Com domain has been deleted in the meantime, after the LEGO legal department intervened. Unfortunately, the store (with a new address in the imprint) under the domain spielzeug-schuster.Net cloned – of course, this is also a fake store. We will report this store to LEGO again.

Original post (21. January): in the past few days we have received inquiries on various channels about the store toy cobbler.Com reached, which we will not link here deliberately. LEGO is advertised there at unbelievably good prices, a purchase on account is offered and there is even an imprint with a German address in Munich. the problem is: it is a fake-shop.

For a given occasion, we want to express a warning against a fairly new and unfortunately "well made" fake store that offers LEGO at prices that are unfortunately too good to be true. And we want to explain briefly why the uninvolved store "kunst und spiel" got into the line of fire through no fault of its own.

toys cobbler: a "well made" fake store

Some years ago we reported about LEGO fake-shops for the first time and since then we regularly get mails asking if this and that store would also be one of them. In almost all cases we have to answer the questions with "yes", because every day new fake stores are created, which advertise with the LEGO logo and discounts of sometimes over 90%. Mostly in (broken) english and without imprint, so that most of these stores can be identified with the much praised "common sense" quickly as a fraud attempt. Nevertheless, they sometimes challenge people with only little experience in the digital space, which can lead to the inquiries in our inbox.

But the fake store toy cobbler.Com looks different and seems at first glance much more trustworthy. Not only is a classic "german" name used here, but also the texts in the store are not conspicuous in terms of language at first glance, but on the contrary are written in clean german.

Screenshot of the fake-shop spielzeug-schuster.Com

The store also offers a imprint together with address and telephone number, a privacy policy and it is even according to information on the site of the buy on account offered. No wonder that more and more people are looking for experiences with spielzeug-schuster or voucher codes for the store and that we recently received inquiries like the following:

Hello people, I have discovered a mega offer, but I’m not sure whether I should strike. They offer purchase on account, there one would be nevertheless on the safe side. What do you say?

The prices in the store are partly only "low", partly however too good to be true. that shipping giants like amazon sometimes release a set with 50% discount (rarely even more), can of course happen, but that large parts of the assortment are partly reduced by 50%, made us suspicious. But what can go wrong with buy on account??

Some examples for the assortment in the fake-shop: some prices still seem halay credible, others are too good to be true.

This is what happens when you order "on account"

However, if you try to buy on account, you will already be informed about a "credit check" when selecting the payment method, which in 100% of the cases (who would have expected it) turns out to be negative. Afterwards one is asked to transfer the amount to "KALNINS GBR" to an account with an Irish IBAN. A payment by paypal is not offered.

Unfortunately, we couldn’t find anything about the existence of a "KALNINS GBR" (the name is probably just made up), but the IBAN belongs to an account at the rather dubious "PFS card services ireland limited", where probably simply a prepaid credit card is deposited, from which the incoming money can be quickly debited again.

On the trail of the store

But what about the address and phone number?? After all there is an imprint!

Disillusionment comes quickly: a call to the stored telephone number immediately lands in the void. However, it becomes interesting with the address, because it actually belongs to a real existing (and serious) toy shop!) spielzeugladen: art and play in the leopoldstrabe 48 in 80802 munich. The phone number is also similar, only the last digit does not match.

We have contacted kunst und spiel (which, by the way, does not sell LEGO, but rather wooden toys in the sense of Waldorf pedagogy), where the extent of the problem with the fakeshop was confirmed to us:

The fake store spielzeug-schuster.Com has the address and "identity" of kunstundspiel.De stolen, to be able to offer a valid address in the own imprint. At kunst und spiel they currently receive several calls a day from disappointed customers and have probably already informed the police, who, according to their own statements, unfortunately can’t do much about it.

By the way, the fake store has nothing to do with the traditional toy store "spielwaren schuster" in duren, which has unfortunately been closed since march 2021, only the name resembles it.

Our own research on the domain spielzeug-schuster.Com also quickly lead to a dead end: the domain is registered at a asian registrar rented and with cloudflare and one whois-protection provided, which makes it impossible to identify the real owners without further ado. At first glance, the store’s source code does not reveal any information about the operator either. The good orthography on the entire page, however, suggests an operator with a good knowledge of german.

summary and conclusion

We remain at this point therefore with a warning against the store spielzeug-schuster.Com. Please do not order there, because your money will probably be irretrievably lost. But also in general: if LEGO prices seem to be too good to be true, all alarm bells should be ringing! Our list of fake LEGO stores in our somewhat outdated article is no longer up to date, but with so many stores popping up all the time, that’s not feasible.

at least as important for us is the information that the operators of the real wooden toy store "kunst und spiel" have nothing to do with it. So if you should be at spielzeug-schuster.Com have bought something, please contact the police directly.

We have informed LEGO Germany about the problem. We keep our fingers crossed that the store will not be online for long and we hope of course that everyone who is looking for "spielzeug schuster erfahrungen" or even "spielzeug schuster gutschein" will read this article and will be discouraged from placing an order.

Have you ever fallen for such a fake store?? Even if it is not easy to admit, we would be very happy to hear about your experiences in the comments, but you can also send us an anonymous message via the contact form. And should you even have already ordered from the mentioned store, we would also be happy about your feedback.

As always, the comments are open and we invite your discussion!