How do I find my current no-claims class (SF class)?

You can find out your current no-claims class on the last premium statement for your car insurance.

Motor vehicle liability SF classes range from 1/2 to 50.

There are also the classifications M, S and 0 for novice drivers or drivers who cause a lot of accidents.

If you do not report any damage in one year, you will automatically move up a level in the next year and thus into a cheaper class.

There are also SF classes for fully comprehensive (vehicle comprehensive insurance) that work according to the same principle.

What does the downgrading in the no-claims class mean?

If you take out your car insurance in one year, you move down to a lower and more expensive no-claims class the following year.

This then increases your contribution calculation. By how many levels your SF class is reduced depends on the current classification and the number of reported damages.

Tip: If you agree on discount protection, you will enjoy a great advantage: If you only report one insured event to us, you will keep your previous SF class in the following year.

Which no-claims class (SF class) do I use as a basis for calculating my new car insurance?

If you want to change car insurance, then HDI will take over the claims history from the previous insurance. As a basis for the calculation, take the SF class, which you can find on the last premium statement from your car insurer, and add 1.

If you decide to buy a new car insurance policy when you change vehicles, you can use your old SF class to calculate the premium. In some cases, however, certain special classifications apply, e.g. after using a company car.

All you have to do is leave us a message in the request and we can find the best possible solution for you.

Can I simply rewrite my car insurance for a new car?

no If you want to insure a new vehicle, the premiums cannot simply be adjusted, but a new application must be made, resulting in a new contract.

Important: In this case, you can also change insurance without any problems and do not have to stay with your old car insurance.

What is an eVB number and what do I need it for?

You need the electronic confirmation of insurance, or eVB number for short, as proof of motor vehicle liability insurance.

You cannot register your car without such proof of insurance. The eVB number has replaced the old double card or insurance card.

The registration office uses this number to call up your insurance data electronically from the Federal Motor Transport Authority.

As a result, vehicle registration or re-registration is much faster than it used to be.

How do I get the eVB number if I want to change my car insurance?

If you want to change car insurance, HDI will automatically transmit the eVB number to the Federal Motor Transport Authority after the contract has been concluded.

In that case you don't need to do anything.

Do you want to re-register or re-register a vehicle: As soon as the application for motor vehicle insurance has been processed, you will receive an eVB number by email. You can use this to go to the registration office and register your vehicle.

Important: Processing takes a maximum of 24 hours.

What documents do I need to take out car insurance online or have it calculated?

If you would like to take out car insurance or have it calculated, you will need your registration certificate part 1 (vehicle registration) and the current contribution statement from your previous car insurance for used cars.

Part 1 of the registration certificate contains the manufacturer code number (HSN) and the type code number (TSN) of your car.

The insurance statement shows your no-claims class.

If you do not have this data to hand, simply enter the data requested for your car in the inquiry process.

Is my car insurance also valid abroad?

Yes. You have insurance cover within the geographical borders of Europe as well as the non-European areas that belong to the scope of the European Union.

If you take out the additional foreign damage protection module, HDI will also regulate personal injury and damage to property caused by a car registered abroad. And according to German law. You can claim the benefit if you are an injured party abroad. However, this also applies if there is a bang in Germany and damage is caused by a car abroad and registered vehicle arise.

What happens after an accident if I took out my car insurance with insufficient mileage?

If, in the event of a claim, it turns out that your mileage is higher than agreed, HDI will adjust the annual mileage and thus also the premium retrospectively from the start of the current insurance year.

It is based on the kilometers actually driven. If there is intent, a contractual penalty is possible in addition to the premium increase. This procedure also applies to other characteristic violations, such as the driver group.