I have a french driving licence since 2021 never had a car crash or nthg i have a bonus 15% in france which is same as SF 3 (3y?) and i dont get why it cost me more for haftpflicht for a 115ps 2001 mini than my all risk in france for a
2013 audi rs4? Is it a normal price here ? And for the peugeot i don't get it lol 144€ for the minimum ??

by SENSEIDELAVIE

5 comments

  1. German insurances are based on different factors, could simply be that your new 2001 mini is more popular with young drivers and therefore in a different rist category than an audi.

    Also car insurances are expected to go up as car repairs get more and more expensive.

  2. Due to just 3 years of driving experience you have to pay more. During the time you get more and more experience the SF Class will be adjusted upwards , if you have caused no accidents. Therefore, you will pay less.  It also depends on the number of accidents from other drivers with the same car. If other people have car accidents, the chance gets higher that you also have an accident, therefore the insurance is sometimes different even if you have the same hp etc. Your insurance also depends on the car.

  3. Allianz isn’t the best choice for low prices. Try HUK24 or compare prices online.
    Anyways, 3 years experience is nothing, prices go down significantly after 10 years or so.

  4. Because Germany has a very different approach to contracts than France when it comes to absolutely everything.

    The most essential services that you get access to for dirt cheap in France cost a fortune here.

    Look at Internet contracts for crappy service or coverage, look at phone contracts from historical providers, look at most insurances, look at their ridiculous equivalent of the French ‘mutuelles’.

    Extrapolating how much you were paying in France for your vehicle drives me nuts. I pay just a bit less, on a yearly contract, for a city car turning 20 next year and that drives less than 1500km per year while barely being able to pass 120 km/h on the Autobahn. And yes, that is with a brand new insurance contract that was one of the most cost efficient at the time…

    Edit to add: no, those prices are absolutely not shocking for the German Market, especially as a younger driver.

  5. You have your license for only 3 years. That alone has a huge impact

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