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Old 20.12.2018, 14:15
Urs Max Urs Max is offline
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Re: Car insurance (bonusschutz & unfallschutz)

The insurance salesman lives on selling, trust them at your own risk.

IMHO the Bonusschutz' usefulness depends a lot on your position on the bonus ladder. The closer you are to the bonus maximum the smaller its usefulness.

Say you cause an accident every four years and you lose three bonus steps each time. In this scenario, without Bonusschutz you keep moving in the same bonus range until eternity. So, if your bonus is maxed out already you gain little by adding a Bonusschutz. But if your bonus is small, i.e. you pay roughly the full premium, the Bonusschutz keeps you on that ladder towards maxing out the Bonus.

That said, the typical driver causes two accidents in their carreer. Whether you're above or below only you know.
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