Most car insurance policies are rather moderate and not fair in terms of price. HDI - Versicherung is against it
In the event of damage, they help quickly and easily
98% satisfied customers prove that!
With top performance and lower prices, simply better on the road!
HDI offers you more than 100 years of competence and experience. Your vehicle will be insured reliably, fairly and competently, and quickly settled in the event of damage.
So that we can create your individual, fair offer, select your tariff from the following product lines and answer the questions. You will receive the EVB within 24 hours number and the price offer.
GAP insurance closes the gap between the remaining claim of the leasing or creditor and the replacement value in the event of a total loss or theft of your leased or loan-financed vehicle.
If the GAP is not already included in your leasing or credit agreement, this is relevant.
With the foreign protection, damage to persons and property caused by a vehicle registered abroad is regulated under German law.
This ensures that you receive the insurance benefit that you are entitled to under German law.
With the discount protection you keep your cheap no-claims discount after a claim - this prevents a downgrade.
Requirements: at least no-claims class 4 and no driver under the age of 23.
With mobility protection, you can secure comprehensive assistance on the go, for example with breakdown assistance, towing away or recovering your vehicle.
In an emergency - like with the famous "yellow angels" and other automobile clubs - you can get help quickly and don't have to worry about the costs.
Driver protection covers personal injury suffered by the driver in an accident for which he is at fault, up to compensation payments, disability benefits or loss of earnings.
Driver protection insurance is particularly useful if there is no accident insurance or it only pays in certain cases.
With the workshop service, you no longer have to worry about anything in the event of a comprehensive damage claim and HDI will repair your damaged vehicle in a quality-tested and certified HDI partner workshop. Not only does the free pick-up and delivery service save time, but if necessary, a cost-effective rental car is made available for the time of repair.
Of course, the manufacturer's warranty remains intact - and you save money at the same time.
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.
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.
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.
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.
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.
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.
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.
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.
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.