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Old 13.07.2015, 01:05
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Re: Damaged a parking car

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Thanks for the calculation. However, you made two incorrect assumptions:
- my premiums will rise "by 20% for 4 yrs", according to Baloise, I've asked over the phone. She also said that they will do a calculation and I can pick whichever I like, although it might not be worth giving it to insurance at all
- I'm only paying basic liability (<600/yr), which does not really get any lower. That would be only with half or full casco, as far as I understood it.

I'm gonna pay 20% for for years, adding to 80% of one year's premium (~500CHF) before it returns to what it is today (and what it was 3 yrs ago as well).
Each insurance has its own step-system, hence the remark in bold - people's mileage does vary. For instance, I'm with Mobiliar and at the minimum of 35%. If I cause an accident my premium rises by 5 steps, but each step is only 2%, for 10% total increase to 45%.

3rd party liability also has a bonus, though the particular bonus level and step system may differ from your (Voll-/Teil-)Kasko bonus.

Congrats on the nice outcome
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