Knowledge Base

MOTOR INSURANCE

Best thing would be if you could please go onto our website www.culpeck.com to complete one of our online insurance quotation forms. Please use the “Vehicle Quote Forms” button for a quote on a car, motorbike, minibus or campervan/motorhome and the “Other Quote forms “ button for anything else like caravan, trailer, household, private liability, breakdown or legal cover. Once received we will email you the top couple of our best quotes to you.

We always try to get each set of quotes to you within an hour, obviously if all staff are busy with clients in the office it is sometimes difficult to keep that promise BUT be assured we will try and get these to you as soon as humanily possible.

The email you receive with the quotes is quite detailed and explains which insurance company needs what emailing back for us to set up the insurance for you.

The insurance can be set up within the hour and with most insurances you can have instant cover.

Yes, with German car insurance you always get a green card to show your vehicle is insured to be driven throughout Europe incl. UK.

Some insurances ask you to set up your own monthly standing order from any bank account you like to use and others set up a direct debit from your German bank using your German IBAN (this can be monthly, 1/4ly, ½ yearly or annually) or send out a bill for you to pay them (this is then normally an annual payment)

There are three levels of cover: Third Party Only which is the minimum cover you need to get a car registered and legally on the road (known as KFZ-Haftpflicht in German) This covers a max. of up to 100 Million Euros worth of damage done to a Third Party (normally limited to a max. of up to 12 Million per individual person) or Third Party property. Third Party Fire and Theft (half-coverage, also known as KFZ-Teilkasko in German) which includes the min. required Third Party cover just mentioned before PLUS damage to your own vehicle due to Fire, Theft (and attempted Theft) Glass breakage, Storm, Lightning and Hailstone damage and hitting wild animals (some even cover any animals). Fully Comprehensive (full-coverage incl. collision, known as KFZ-Vollkasko in German) which includes the Third Party Fire and Theft cover just mentioned before PLUS damage to your own vehicle due to vandalism or accidental collision damage or being victim of “hit and run” when the guilty party can not be found. This cover is normally required when a vehicle is financed or leased in case of a total loss (total write-off).

Nothing really, as German car insurance policies automatically renew for another year each year on their main renewal date unless you provide the insurance company with the required one month’s written notice (signed by the insured) before the main renewal explaining that you don’t wish to renew the following year.

No, sorry, German car insurance doesnt insure you to drive other people’s cars regardless of where in Europe they are. The owner/insured of the car you wish to drive will need to put you down on their own policy as a named driver for the time in question. It is good to ask this as many people assume this is the same throughout Europe as with most UK insurances you tend to be insured to drive other people’s vehicles inside the UK for Third Party cover only on your own UK insurance policy but this isnt the case.

You can cancel your German car insurance policy by either giving the required one month’s written notice (signed by the insured) a month BEFORE the main annual renewal date or by providing a de-registration certificate as insurance is linked in to the registration office. All the time it is registered here it needs to have insurance and to cancel the insurance it needs to be de-registered.

As German insurance is linked in to the registration system here (whether BFG, USAREUR, NATO or German registration) it can only stay valid whilst still registered here. When you leave Germany you will have to get new registration sorted out in the country you are moving to and would therefore require new insurance to do this BUT we work together with many insurance companies in other countries too, so we can get some good insurance quotes for you when you leave Germany.

Yes, some insurances provide this in English straight after cancellation via email and others send out an original hard copy on their headed paper in English and German after cancellation and will send it to your forwarding address regardless of where that may be in the world.

HOUSE CONTENTS INSURANCE

Yes, we do all insurances including Household Contents too. Best thing would be if you could please go onto our website www.culpeck.com to complete our online insurance quotation form for this, by using the “Other Quote forms” button and going down to House Contents. Once received we will email you the top couple of our best quotes to you.

Over the years you collect a lot of personal items, making your household contents build up to quite a value, that could be a big financial burden should you lose everything and have to replace everything new again like after a fire for example. Household Contents Insurance insures these items (furniture, clothing, electronic devices etc) in cases of fire, theft after a break-In, lightning strike, explosion, burst waterpipes, storm, hailstone damage, robbery and vandalism following a burglary.

As cover is „NEW for OLD“ the sum insured needs to be the total amount that would be needed to replace everything new. Basically speaking if you turn your house/flat upside down, what is the total value of everything that falls down. To avoid being under-insured we recommend at least €650,- per square metre of living area and that is why we ask for the square metre size of your flat/house on the quotation form.

PRIVATE LIABILITY INSURANCE

Yes, we do all insurances including Private Liability. Best thing would be if you could please go onto our website www.culpeck.com to complete our online insurance quotation form for this, by using the “Other Quote forms” button and going down to Private Liability. Once received we will email you the top couple of our best quotes for you.

Private Liability is a “must”! A brief act of carelessness or a mishap can end up causing you significant financial damage especially if other people suffer injuries as a result of this. There are so many things that can happen accidently. Children could damage parked cars with their bikes, your washing machine may leak into the flat below or you may pour red wine over your friend’s valuable persian carpet …are just a few more harmless incidents but the list is endless and costs can easily go in to the millions.

You can get policies ranging from 5 Million to 60 Million Euros.

Didn’t find the answer to your question? No problem! We are here for you!

Contact us via:
Tel: 0049 2451 71028
E-Mail: ar[at]culpeck.com
Or visit our Geilenkirchen office.