Motor insurance E-car without Schufa- so gefolgt`sJeder owner of an electric car needs a motor insurance. This does not distinguish e-cars from gasoline and diesel vehicles, because the motor vehicle liability insurance is a compulsory insurance. But what if there is a negative Schufa? How does it look then with the motor insurance for the E-car without Schufa? Does the low credit rating complicate the conclusion of the electric car car insurance? Are there tips you can take to heart when looking for insurance?
There is a solution for (almost) everything. Also for this problem. Since car insurance is a compulsory insurance, the right to own a car insurance is above the concerns of the insurer. With limitations, of course. This. You can read more interesting info below. You can read this and other interesting info below.
Learn about elektroauto24.Biz what you have to do and how to get a cheap electric car insurance in a few steps and sometimes with a few tricks. Then use our car insurance comparison and find online a cheap car insurance that fits your needs and wishes.
Without Schufa or why it should be better called despite Schufa
A negative Schufa entry can make life more difficult. New contracts, purchase agreements or loans are granted with a negative Schufa entry under worse conditions or not at all. It is not surprising that the most common search term is "without Schufa". This is no different with car insurance for electric cars. In the hope that there may be providers who work without Schufa, thousands of users search for this very term.
And now the bad news or why it should be better called "despite Schufa". You will not find a reputable insurance company in Germany that does not perform a credit check at all. Every serious contracting party wants to know about the creditworthiness of the contracting party before signing the contract. Of course, insurance companies. And for this very reason it should better be called electric car
Car insurance despite Schufa. Do not accept any offers that promise you an insurance completely without Schufa information. This is rip-off!
Legitimate reasons for rejection and what you can do about it
In some cases, insurance companies have the right to reject a policyholder and refuse to provide car insurance. In these cases, the risk of non-payment is so high that the legislator has granted the exceptions. For understandable reasons, because if you are so much in financial difficulties, you should do everything, but do not enter into any further payment obligations.
The following reasons lead to a refusal:
– If the policyholder is insolvent, the risk for the insurance company is too high not to receive the premiums or to receive them only irregularly. Insolvency is therefore a justified reason for refusal. – The same applies to the applicant who has taken an oath of disclosure. The risk of default is simply too high, so the insurer has the right to refuse here as well. – The third case is the prior termination by the insurer. If the policyholder has attracted negative attention in the past and has already been terminated, the insurance company does not have to grant a new insurance application.
So what could you do if one of the reasons applies? Look for the personal conversation. Offer the annual prepayment of premiums. Alternatively, purchase car insurance for your electric car through a relative.
How to find an electric car car insurance despite negative Schufa
If you follow a few tips, you can find a cheap electric car insurance even with a negative credit rating. If you have to specify the payment method, it is best to choose the semi-annual, or even better, annual payment method. So you minimize the risk of non-payment for the insurer, who should consider your application for an electric car insurance favorably. Specify private use only. Waive the partial or fully comprehensive coverage. Why you should do this, we explain in more detail below. Use the electric car car insurance only for yourself. If you want or need to specify a passenger, choose an experienced and solvent driver. Because insurance companies do not have uniform standards for assessing creditworthiness, they may have different ratings, so your negative credit rating may be rated lower by one insurance company than another. With these tips, you will at least reduce the risk of rejection, or. Your insurance premiums won't be as high.
All insurers have one thing in common. If you have a negative credit rating, you will usually only be offered the minimum coverage amounts. It's no different for electric car insurance. While recommended 50 million, resp. Better still 100 million, but these sums will probably not be granted to you. The statutory minimum coverage amounts of electric car car insurance are:
For personal injury 7.5 million euros
for property damage 1.12 million euros
for property damage 50.000 euros
Attention: difference of the electric car comprehensive insurances
With the comprehensive insurances you have to pay attention. Both partial and fully comprehensive insurance are not obligatory. You are not subject to compulsory contracting. The insurer has the right to refuse you as a policyholder with negative Schufa. If you have a negative Schufa and fear the credit report, take the comprehensive insurance in the insurance comparison out and limit your application to the electric car car insurance. If you've paid your insurer on time for a year and they've determined that you're a reliable customer, seek out the face-to-face conversation and approach your insurer about comprehensive coverage. As an existing customer, it will be easier to get one of the two comprehensive insurers with negative credit history.
Electric car liability compare, change and save
You now have all the necessary information and tips on how you can take out a cheap electric car insurance despite negative Schufa. Use our insurance comparison, configure it accordingly and display all providers. You can clearly compare the results and see which car insurance fits your e-car. Then make the application online right away. The credit check only takes a few seconds, so you can get your result online right away. If you don't have any luck with the online check, make a note of the providers you've chosen and try talking to them in person instead. It is definitely worth comparing the electric car liability, because there are still decent differences between the various insurance companies.