Second car insurance
The second car insurance or second car regulation is a special classification granted by the insurer when a new insurance policy for another vehicle is taken out for the same policyholder or his partner. The level of classification depends on the respective insurer and relates to motor vehicle liability insurance or comprehensive insurance . The effect as a volume or customer loyalty discount arises from the entry into a more favorable no- claims class (SF) than class 0, in which the premium rate, handled differently in the market, is a factor of 1.6 to 2.6 on the premium rate for class SF 1 determined.
requirements
The prerequisite is that the first vehicle is not in class 0 or a damage class or the contract is not downgraded to a damage class due to damage in the context of a subsequent downgrade. The second vehicle regulation also applies if the second vehicle is registered with the spouse / life partner and the spouse / partner has a driving license for at least 1 year. This regulation is also called the spouse regulation. There is no explicit legal regulation. The special classification, as far as it goes beyond a classification of SF ½, is either a matter of negotiation or depends on the individual insurance conditions of the respective insurer.
Thereafter, this insurance will continue in its ongoing SF class. Some insurers grant a second car regulation better than SF ½ even if the first car is insured with another insurance company.
Standard regulation
If a vehicle is already registered for the policyholder and / or partner that is in a no-claims class and no damage in the current calendar year would result in class 0 or a damage class in the following year, it is classified in class SF½. There are no further requirements here. This regulation corresponds to the one before deregulation in 1994 and has been retained unchanged by all insurers. This classification is also made if the first vehicle is not insured with the same insurer. The second car insurer only has the first car insurer confirm an existing no-claims class and, if applicable, damage that may be downgraded in the current year, but does not call up the SFR (certificate of change of insurer only Part B). If the contract has been downgraded in the current calendar year, the insurer checks whether a downgrade to a class worse than SF ½ would take place in the following year. In this case, the second car is not classified in class SF ½, but in class 0.
Prerequisite regulations
The respective insurers use different requirements for the following special classification options that go beyond the SF ½ class. In principle, such a no-claims discount will not be confirmed to a subsequent insurer when changing insurer, but only the part of the classification acc. Standard scheme would have been acquired.
- No vehicle user younger than xx years (predominant basic requirement minimum age 25 years) (negotiable)
- limited annual mileage (negotiable)
- better SF class than SF 2 for the first vehicle (almost always a basic requirement, but negotiable)
- several contracts with the same insurer (negotiable)
- First vehicle with the same insurer (negotiable)
Classification variants of second cars
Classes SF½ to max. SF2
This regulation is used by the greater part of the insurers. In most cases, in addition to the standard regulation, the requirement is that at least the basic requirements are met.
SF class depending on the SF class of the first vehicle
Some insurers grant a higher special classification than SF2, provided that the first contract is in a higher SF class than SF2. This can look like this as an example:
| First vehicle | Second vehicle |
| SF 4 to SF 6 | SF 3 |
| SF 7 to SF 10 | SF 4 |
| SF 11 to SF 18 | SF 5 |
| etc. | etc. |
The same SF class of the first vehicle
Few insurers classify a second vehicle in the SF class of the first vehicle. A stringent requirement here is that both the first and second vehicle are registered for the same policyholder and are only driven by him. Use by the partner is also excluded. In the event of a claim, both contracts are always downgraded. In relation to the risk, the handling roughly corresponds to a change label . It is not possible, provided the policyholder adheres to the specified regulation, that both vehicles are driven at the same time.
Individual evidence
- ↑ Regulations for spouses in motor vehicle insurance ( Memento from February 2, 2014 in the Internet Archive )