2023 Author: Eric Donovan | [email protected]. Last modified: 2023-05-21 15:44
Traffic legal protection insurance should be standard for frequent drivers. The decisive factor here is whether the policy covers the driver or the car.
Before taking out traffic legal protection insurance, it is advisable to pay attention to the differences between the offers. Depending on the insurer, drivers can choose between several options, according to the magazine “Finanztest” published by Stiftung Warentest in Berlin (issue 8/2007). Also in the conditions of the companies are regulated in some cases very differently, what is actually insured in individual cases. The main differences would be who and what is covered by insurance.
Vehicle or policyholder
With vehicle insurance, for example, according to the information, a single vehicle is always insured, regardless of who is driving it. In the case of driver legal protection, on the other hand, only the policyholder is protected and only if he is not driving his own car, according to "Finanztest". This policy is suitable for frequent professional drivers in the company car and with a deductible of 150 euros it is available from 29 euros a year.
Highly recommended
Family legal protection insurance, on the other hand, not only offers vehicle protection, but also protects family members in addition to the policyholder. This applies regardless of whether you are traveling in your own car or, for example, in a rental car. With an excess of 150 euros, this protection is available from 61 euros. Traffic legal protection insurance with a deductible of 150 euros is available for 39 euros.
In general, according to the information, every motorist who travels a lot should have a legal protection insurance for traffic. (dpa)
