Insurance help

[leedpm]

I will be moving to Germany in the summer due to me being in the Forces and I am hopping to take my Vauxhall monaro with me, trouble is the car is supercharged with 535bhp and the UK insurance companies that deal with the Forces won’t touch me and have advised me to try Germany insurance. So can anyone point me in the right direction of any companies?

Cheers.

[Benni]

Hi Lee !
Try this google result :
http://www.google.com/search?q=auto+insurance+in+g...
The links will tell you a lot about the german car insurance system,
but will point to no company in detail.
(I did not look past page 1, maybe there is more on other pages.)
I tried various insurance company sites,
but none offers info in english language...
You may try different sites youself via "contact",
it should be worth the effort as tariffs vary a lot.
Maybe ask some english insurers, if they have a "partner company" in germany ?
Cheers,
Benni
P.S.:
As a dragrace fan, I could point to www.street-eliminator.de ,
because with such a powerful car you could fit well into that bunch...
How long and where will you be staying ?

Edited by Benni on Sunday 3rd February 03:51

[baz7175]

I've my Monaro over here with me at the moment, but it's still insured in the UK (not running the same power as yours either), as I found most of the German companies didn't like the car when they got it's details from me when seeking out quotes.

I ended up insuring my left hooker Corsa through VHV as it was the easy option with them being inside the same building as Kohl BMW (which is a few doors away from work and has UKO Opel in the same grounds too).

I know you won't like the sound of my reply, but even with my standard CV8 they didn't like it...

Slightly off topic - where are you going to be based over here, as at the moment I've mine here in Germany and there's another owner in Holland too

[leedpm]

thanks for the info guys i think i will have to wait till i get over to Germany to sort it all out, and thats if any German company will touch me grrrrrrr and then will have to get new head lights at £250 each grrrrrr.

i will be moving to Münster.

Edited by leedpm on Sunday 3rd February 10:56

[leedpm]

[quote=baz7175]I've my Monaro over here with me at the moment, but it's still insured in the UK (not running the same power as yours either), as I found most of the German companies didn't like the car when they got it's details from me when seeking out quotes.

so is you UK insurance for the monaro just for 30 days or is it full cover, ifso who do u use?

[leedpm]

P.S.:
As a dragrace fan, I could point to www.street-eliminator.de ,
because with such a powerful car you could fit well into that bunch...
How long and where will you be staying ?



thanks for the offer it would be cool but only if i have the car with me

i will be staying a few years in Münster.

[baz7175]

leedpm said:

so is you UK insurance for the monaro just for 30 days or is it full cover, ifso who do u use?

I've 90 days euro cover, based at my house in ireland, so I just decide which 90 days I need the car to be here, and use my wee german corsa the rest of the time...

[leedpm]

thats not to bad gives you plenty of time to get some good runs in .My insurance will give me 30 days in Germany and the Army gives me 28 days to get it German registered and insurance.

[baz7175]

Mention this in the HSV forum on here as there was another lad previously had his 'ro over in Germany and had it fully compliant with the law here (changed headlights etc etc)

[golfer_Johny]

Hi Lee.

Just read about the problems you are having. I have just organized insurance for my TVR with A-Plan who found me insurance with unlimited foreign use as i am working also out of the country and use my car abroad for more than 90 days a year, which is often the limit with most insurance companies. Loook them up as they are also very good with high performance cars. Good luck, John.

[JMGS4]

leedpm said:

I will be moving to Germany in the summer due to me being in the Forces and I am hopping to take my Vauxhall monaro with me, trouble is the car is supercharged with 535bhp and the UK insurance companies that deal with the Forces won’t touch me and have advised me to try Germany insurance. So can anyone point me in the right direction of any companies?
Cheers.

Lee, you'll probably have to put your car on german plates anyway as the old BFG plates are no longer issued, or you keep it on GB plates, which you'll then probably have to insure in GB. However I have a great insurance agent in Berlin who I'm sure can help. If you want the details mail me through my handle. They've always found a way to help no matter what exotic or oldie I've had.

[leedpm]

golfer_Johny said:

Hi Lee.

Just read about the problems you are having. I have just organized insurance for my TVR with A-Plan who found me insurance with unlimited foreign use as i am working also out of the country and use my car abroad for more than 90 days a year, which is often the limit with most insurance companies. Loook them up as they are also very good with high performance cars. Good luck, John.

Thanks for the info as i'm with A-plan so i will give them a ring and see what they say.

[JMGS4]

Lee, if you're getting your car put on german plates you MUST use a german insurance company. German law (against EU law btw) insists on only german insurance, as this is the only way they can check whether you're insured or not, as your insurance has to be laid before the Amt when you register your car for german plates! If your german insurance company tells the Amt that your car is not insured (or your TüV runs out) the police can come around and scratch off the sticker on your plates, thus making it immediately visible you're not insured, TüVed etc
If you're keeping it on GB plates, which I believe you can't (QRs) then you may keep it with a GB insurance....

[leedpm]

JMGS4 said:

Lee, if you're getting your car put on german plates you MUST use a german insurance company. German law (against EU law btw) insists on only german insurance, as this is the only way they can check whether you're insured or not, as your insurance has to be laid before the Amt when you register your car for german plates! If your german insurance company tells the Amt that your car is not insured (or your TüV runs out) the police can come around and scratch off the sticker on your plates, thus making it immediately visible you're not insured, TüVed etc
If you're keeping it on GB plates, which I believe you can't (QRs) then you may keep it with a GB insurance....

I think i will be more informed when i get out to Germany as the only info i can get is of the lads back here which can be second hand.I no that when you bfg the car you get a new GB plate.
What do you think i'm best of doing?

[alfa-chris]

There could be a problem by putting it on german plates.

Our TÜV has to agree with any modifications on the car! That also means rims etc. Especially engine-mods (supercharger) can cause problems.

good luck
chris

[paul.deitch]

i'm based in paderborn and my experience is, if at all possible try and do everything from the uk, legally of course. when i tried to insure the tvr all i got from each insurance company was "is that a triumph or mg"? and as some one else said, if it aint standard, then forget it. i had a uk cavalier with tow hitch. tow hitch had to go for the mot because it didn't have a german tuv/mot sticker on it. rims, typres etc are all recorded on the docs. in spite of this the germans, surprise surprise swop things for the tuv and then swop em back.
there is one good thing about the system though, there are relatively few tax and insurance dodgers compared to the uk, because if you haven't got them, you don't get a plate. of course you can always make your own, but you also have to deregister a car and they just check a lot more...
good luck though, and it is fun driving fast where its allowed

[german tony]

Avoid German insurence companies at all costs. Just as an example - you will need to use a lawyer to sue your german insurence company to get a pay out on your fully comp car, even if the accident wasn#t your fault. The leagl bit will take up to 5 years. Which means you'll be out of pocket on your car for 60 odd months.

Your GB insurence has to cover you 3rd party across the whole of the EU by law, with no time restraint although they'd rather have their legs boiled in vinegar & then served to a rapid tiger than tell you this.

As for the whole "put it onto German plates 'cos it's law business" - yes, that's what they tell you but as long as it's way too much paperwork to enforce it they don't appear to bother.

At least not around here.

Maybe different in parts of Germany that are full of Brits.

[Myobb]

I was rear-ended by an 18 year old youth in Frankfurt in October 2007. Yes I did use a German lawyer but his charges (€300) were paid for by Youth´s mothers Insurance Company. I got paid in about 8 weeks.

[MonkeyVR6]

leedpm said:

I will be moving to Germany in the summer due to me being in the Forces and I am hopping to take my Vauxhall monaro with me, trouble is the car is supercharged with 535bhp and the UK insurance companies that deal with the Forces won’t touch me and have advised me to try Germany insurance. So can anyone point me in the right direction of any companies?

Cheers.

FORGET IT.

I'm also HM Forces in Germany and my insurance more than doubled. It now costs me 100+ Euros per month (fully comp) and 1000 Euro excess. Thats on a 1995 Corrado VR6 (Group 28 out of the 30 German insurance groups).

I'm 26, have 3years NCB and am married, the car has security and is garaged.

[MonkeyVR6]

Munster 'ay? Righto...car like that stands out, please make sure you get it BFG'd properly!

Not sure why/how someone said you don't get issued BFG plates?! Cos...you do. They are UK style 'ghost' plates, same with your tax disc. The BFG process is pretty complicated to be fair. Now days you also have to dispay an emmissions sticker (issued to you after your BFG road test - similiar to UK MOT) and, of course, obey standing orders and dispay a GB sticker on your car...as the ones issued you *MIGHT* not have them on. Winner.

You get 30 days to register your vehicle with the BFG office (via your camps or Gutersloh's 'base admin') to JHQ Rheindahlen, BFG HQ.

Getting LHD headlights (and a BFG light test at Catterick Bks, Bielefeld or Mansergh Bks, Gutersloh) can be a bit of a nightmare too.

AXA do a 'Nato' insurance policy, oddly they don't care about points on your license either! There are only a few 'BFG approved' insurance companies, otherwise you can ONLY insure your car for a maximum of 90 days with a UK insurance company. Beware, as I've previously stated insurance out here is expensive.

You'll be pleased to know that dealershp labour rates out here are cheap as chips, for example its 'only' 69 Euros per hour for VW, compared to £95ph labour rate back in the UK. But your LSA should increase somewhat anyway out in Germany - especially if you're married.

Be aware the German Civil Police (GCP) are fking militant with their speeding tickets - trust me on this - they move them, hide them and can generally do what they want and the ticket goes to your CSM/BSM straight off the bat...then you have to bang your tabs in with your RSM!

If you get 3/4 of them in a certain time period (which no-one really seems to know) then you'll get an automatic 30 day ban.