Monthly Archives: November 2018

Car insurance in Switzerland – expensive for seniors

The gender, the nationality and also the age of a driver in Switzerland are criteria that can greatly influence the premium level at the car insurance Switzerland . In some cases, premiums can be up to three times higher than for a middle-aged Swiss driver. For seniors over 70 years, the surcharge can be 30 percent. Women get cheaper premiums that are about 10 percent lower than men’s. This is very unusual for Switzerland, since it was not until 1971 that women were allowed to vote. And people of foreign nationality can even expect surcharges of up to 40 to 45 percent. In the worst case, therefore, a foreigner over the age of 70 applies for car insurance in Switzerland – which is particularly expensive.

In comparison: young people 

 

But you pay even more in Switzerland when you’re young and just got your ticket. About 2.5 times as much as a senior over the age of 70 pay young people. In Switzerland, the partial insurance covers only damage events that do not depend on driving behavior. Most insurance companies offer three age groups in Switzerland. Of course, the fully comprehensive insurance is also much more expensive in Switzerland than the partial comprehensive insurance. With the seniors it depends also very strongly on the insurance company. For some, the contributions are no higher than those for middle-aged adults.

Women often disadvantaged in premiums

Something with which emigrants, in particular, can not count on, is that many in Switzerland still think that women should not have been given the right to vote. Instead, in the traditional role allocation, they still see the woman as a housewife and mother. Officially, this has nothing to do with the Swiss national pride or misogyny. In the meantime, however, it is precisely what insurance in Switzerland is about, that one thinks here a bit more equal. Women and men receive the same premium offers for car insurance. But this is also due to the fact that there are now international cooperations behind the insurance companies in Switzerland.

ERGO car insurance in the test

The ERGO Insurance Group has been awarded good marks in numerous tests. This is the test verdict in the Focus Money issue on “Top Motor Insurers”. Even with the Stiftung Warentest the direct insurance in the basic liability insurance can achieve the rating “better than better” than the average. What the provider from Dusseldorf within the car insurance can still offer, you will find out in the following article.

With a change of insurance drivers can save several hundred euros a year, according to experts. Where not only the price is right, but also convince the achievements, you can find out with our comparison.

Ergo Direct with 77.9% according to German consumer studies society

  • 1 Europe 83.9% 2.07 | Well
  • 2 DEVK 83.5% 2.10 | Well
  • 3 HUK-Coburg 82.6% 2.16 | Well
  • 4 wgv-himmelblau.de 81,6% 2,23 | Well
  • 5 Sparkassen DirektVersicherung 81,4% 2,24 | Well
  • 6 CosmosDirect 79.4% 2.37 | Well
  • 7 AllSecur 78.3% 2.45 | Well
  • 8 Ergo Direct 77.9% 2.47 | Well
  • 9 Itzehoer 77.5% 2.50 | Well
  • 10 HUK24 77.4% 2.51 | satisfying
  • 11 wgv 77.1% 2.53 | satisfying
  • 12 DA Direct 77.0% 2.53 | satisfying
  • 13 Asstel 76.2% 2.59 | satisfying
  • 14 Axa 75.8% 2.61 | satisfying
  • 15 HDI 75.1% 2.66 | satisfying
  • 16 Gothaer 75.0% 2.66 | satisfying
  • 17 BavariaDirect 75.0% 2.67 | satisfying
  • 18 VHV 74.8% 2.68 | satisfying
  • 19 Europe-go 74.7% 2.69 | satisfying
  • 20 R + V24 71.5% 2.90 | satisfying
  • 21 Direct Line 71.5% 2.90 | satisfying
  • 22 Allianz 70.9% 2.94 | satisfying
  • 23 AdmiralDirect 70.6% 2.96 | satisfying
  • 24 R + V 70.0% 3.00 | satisfying
  • 25 Concordia 67.5% 3.16 | satisfying

Costs in comparison of the Stiftung Warentests in Basis and Premium

Costs in comparison of the Stiftung Warentests in Basis and Premium

At Stiftung Warentest, the specialist notes focus on the costs of car insurers. The general contribution level of car insurance is tested. In comparison, the variants are in the tariff terms Basis and Premium. In the test category 20-year-old driver in the motor vehicle liability, Ergo Direkt receives the best test result “far better” than other insurance companies. Less good ratings can be achieved in the partial and full coverage categories.

Good conditions and experiences also in the DISQ test

Good conditions and experiences also in the DISQ test

 

The service and contract services are also in the test report of the German Institute for Service Quality DISQ. A distinction is made between the KF insurance form branch insurers and direct insurers. In the test issue of direct insurers, ERGO Direkt achieved a good score of 73.8 points in comparison. Test winner with 84.0 points can become the Cosmos direct insurance:

  • 1 Cosmos Direkt 84.0 very good
  • 2 Allsecur 83.3 very good
  • 3 Hannoversche 80.9 very good
  • 4 R + V24 78.6 good
  • 5 HUK24 78.1 good
  • 6 DA Direct 74.7 good
  • 7 Ergo Straight 73.8 good
  • 8 savings banks direct insurance 72.8 well
  • 9 Direct Line 72.2 good
  • 10 Europe 70.6 good
  • 11 Asstel 69,2 satisfactory

The service and contract services are awarded with a good test result.

Conditions of the branch insurance in the test report

 

In addition to the direct insurance, the branch insurance companies are also compared. ERGO can also participate in this area, as it provides both the direct offer and the branch offer. The HUK-COBURG offers both types of motor insurance. The direct insurer is the Huk24. Test winner is the DEVK driver insurance:

  • 1 DEVK 83.7 very good
  • 2 HUK-Coburg 81.0 very good
  • 3 ADAC 77.7 good
  • 4 Württembergische 77.0 good
  • 5 Zurich 74.1 good
  • 6 R + V 73.6 good
  • 7 Kravag insurance 72.5 good
  • 8 Debeka 71.9 good
  • 9 Gothaer 71.9 good
  • 10 SV Sparkassen insurance 71.3 good
  • 11 LVM 71.1 good
  • 12 VHV 70.9 good
  • 13 HDI 69.9 satisfactory
  • 14 Alliance 68.7 satisfactory
  • 15 Axa 67.6 satisfactory
  • 16 Itzehoer 67.6 satisfactory
  • 17 signal Iduna 67.4 satisfactory
  • 18 Ergo 65,6 satisfactory
  • 19 Aachen-Munich 65.5 satisfactory
  • 20 Generali 58.5 sufficient

The test rating is “satisfactory” and can not exceed the eighteenth place overall.

Focus-Money tests customer experience

Focus-Money tests customer experience

 

The journal Focus Money not only tests the top car insurers, it also asks customers about the conditions. Nearly 3,000 motorists rate the car insurance offer of Ergo Direkt motor insurance as good. In addition, the insurer achieves a good mark in the report on fair customer service. The test categories price-performance ratio, product range and customer advice are tested by the insurer. In the field of service insurers, ERGO Autoversicherung can achieve the title of “top motor vehicle insurer”.

DFSI is testing the tariffs ERGO long-term guarantee with theft protection

 

Conditions of insurance in basic tariff also for second car SF class up to 2

Conditions of insurance in basic tariff also for second car SF class up to 2

 

The conditions of the insurer from Dusseldorf are taken in the comparison test under the magnifying glass. If you want to insure your second car up to a damage-free class of 2, you have the right to a rebate protection in the variant partial cover. The Ergo direct base rate offers a protection that can be rated “better”. This applies to the test customers aged 20, 40 and 60 years.

ERGO in the N24 ranking

 

  • 1 DEVK 86.1% 1.9 | Well
  • 2 HUK-Coburg 85.5% 2.0 | Well
  • 3 VHV 82.5% 2.2 | Well
  • 4 wgv 82.5% 2.2 | Well
  • 5 Ergo Direct 82.4% 2.2 | Well
  • 6 AllSecur 82.0% 2.2 | Well
  • 7 Europe 82.0% 2.2 | Well
  • 8 wgv-himmelblau.de 80,5% 2,3 | Well
  • 9 Axa 80.2% 2.3 | Well
  • 10 DA Direct 80.0% 2.3 | Well
  • 11 HUK24 80.0% 2.3 | Well
  • 12 Sparkassen DirektVersicherung 79,8% 2,3 | Well
  • 13 Allianz 78.9% 2.4 | Well
  • 14 Gothaer 78.6% 2.4 | Well
  • 15 HDI 77.4% 2.5 | Satisfying
  • 16 AdmiralDirect.com 76.2% 2.6 | Satisfying
  • 17 R + V 74.0% 2.7 | Satisfying
  • 18 Europe-go 74.0% 2.7 | Satisfying
  • 19 Württembergische 73.8% 2.7 | Satisfying
  • 20 Direct Line 73.8% 2.7 | Satisfying
  • 21 Ergo 72.5% 2.8 | Satisfying
  • 22 BavariaDirect 70.2% 3.0 | Satisfying
  • 23 KRAVAG 70.1% 3.0 | Satisfying
  • 24 Basler 66.0% 3.3 | Satisfying
  • 25 R + V24 64.6% 3.4 | Satisfying

Insurance calculator – calculate the terms and complete online

Insurance calculator - calculate the terms and complete online

With an online calculator you can get very favorable conditions and conclude an insurance contract online. The advantage is that auto insurers can be compared in comparison.