When do you lose car insurance coverage?
*the vehicle was used for a different purpose than specified in the contract
*the driver no adequate license had
*there has been a constant increase in risk (eg worn tires)
Here is the rule of thumb: all new circumstances that make the occurrence of the insured event (accident) more likely, count as an increase in risk.
These circumstances must be communicated to the insurer in writing, especially if they belong to the circumstances that were addressed in the application.
*an unauthorized person has used the vehicle ( car theft )
*Insurance benefits are only limited if the car is used for other purposes than agreed (see special discounts ). For example, if the policyholder has agreed on a “ lady tariff ” and an accident is caused by a man behind the wheel, the insurer does not have to pay because the contractual terms have not
been met.
*the vehicle to be officially approved not ride events is used, which depend on obtaining a maximum speed, or at *the corresponding test drives ( car race )
the vehicle outside Europe is used
Which countries include technical aspects to Europe should definitely against travel to EU countries not- be clarified with the insurance company.
*Driver flight is committed
With 40 million cars, the probability of causing an “expensive” accident is pretty low.
Anyone who would like to protect themselves against “huge damage” – according to the German Civil Code (LGB) you have unlimited liability for damage caused – this can be achieved with an approximately 2% higher premium.
*the policyholder has not paid the first or one-time premium on time (within three months)
*the policyholder did not pay the premium at the time of the accident
*the driver is unable to drive the vehicle safely due to the consumption of alcoholic beverages or
other intoxicants
*Damage caused directly or indirectly by riot, civil unrest, war events, high-handed orders or earthquakes