This means you can take on a favorable no-claims class and save on your car insurance.

This means you can take on a favorable no-claims class and save on your car insurance.

According to a report by www.t-online.de,
Car insurance plays an important role when registering a car in Germany. However, there is a trick to make the tariff cheaper: taking over the no-claims class (SF class) from parents or grandparents.

The insurance premiums depend on various factors, including the type class, the regional class and your own no-claims class. The latter measures how long the policyholder was on the road without making any claims. By taking on a cheap SF class, you can benefit from the family's experienced discounts, but you should already have a few years of driving experience.

Transferring the SF class usually requires contacting the car insurance company, verifying the possession of the driving license, filling out a transfer form and crediting the SF classes. This step should be carefully considered as the parents or grandparents' no-claims classes will be lost.

Taking on a cheap SF class is a good idea if older relatives with a good class give up driving. This means that grandchildren can receive cheaper contributions. The SF class can also be taken over by deceased people.

Overall, taking on a favorable no-claims class offers the opportunity to reduce insurance premiums and benefit from the family's driving experience. It is advisable to compare different insurance companies to get the best conditions.