Every electric car owner needs car insurance. This does not distinguish e-cars from gasoline and diesel vehicles, because the motor vehicle insurance is a compulsory insurance. But what if there is a negative Schufa? What about car insurance for the e-car without Schufa then?? Does low credit score make it difficult to obtain electric car auto insurance? Are there tips you can take to heart when looking for an insurance policy?
There is a solution for (almost) everything. Also for this problem. Since car insurance is mandatory, the right to own car insurance overrides insurer concerns. Of course with limitations. You can read this and other interesting info below.
Learn about elektroauto24.biz what you need to do and how to get cheap electric car car insurance in a few steps and sometimes with a few tricks. Then use our car insurance comparison and find online a cheap car insurance that fits your needs and wishes.
Without Schufa or why it should be better called despite Schufa
A negative Schufa entry can make life difficult. New contracts, purchase contracts or loans are granted with a negative Schufa entry under worse conditions or not at all. It is not surprising that the most common search term is "without Schufa". This is no different with car insurance for electric cars. In the hope that there may be providers who work without Schufa, thousands of users search for exactly this term.
And now the bad news or why it should better be called "despite Schufa". You will not find a reputable insurance company in Germany that does not perform a Schufa check at all. Every serious contracting party wants to know the creditworthiness of the policyholder before signing the contract. Of course, insurance companies. And precisely for this reason it should be better called electric car car insurance despite Schufa. Do not accept offers that promise you insurance completely without a credit report. This is rip-off!
Legitimate reasons for rejection and what you can do about it
In some cases, insurance companies have the right to reject a policyholder and deny a car insurance policy. In these cases the risk of non-payment is so high that the legislator has granted the exemptions. For understandable reasons, because if you are so much in financial trouble, you should do everything, but do not enter into further payment obligations.
The following reasons lead to a rejection :
- If the policyholder is insolvent, the risk for the insurance company is too high not to receive the premiums or only irregularly. Insolvency is therefore a justified reason for refusal.
- The same applies to the applicant who has taken an oath of disclosure. The default risk is simply too high, so that the insurer also has the right to refuse here.
- The third case is prior termination by the insurer. If the policyholder has attracted negative attention in the past and has already been terminated, the insurance company does not have to grant a new insurance application.
So what could you do if one of the reasons is true? Seek the personal conversation and offer the annual prepayment of premiums. Alternatively, take out car insurance for your electric car through a relative.
How to find an electric car auto insurance despite negative Schufa
If you follow a few tips, you can find a cheap electric car insurance even with a negative credit rating. If you have to specify the payment method, it is best to choose the semi-annual, better still annual payment method. Thus, you minimize the risk of non-payment for the insurer, who should consider your application for electric car car insurance favorably. Specify only private use and waive the partial or fully comprehensive coverage. Why you should do this, we explain below in more detail. Use the electric car car insurance only for yourself. If you want or need to specify a passenger, choose an experienced and solvent driver. Since insurance companies do not have uniform standards for evaluating creditworthiness, there may be different classifications, so your negative credit rating will be rated lower by one insurance company than another. With these tips you will at least reduce the risk of rejection, resp. your insurance premiums will not be as high.
All insurers have one thing in common. With a negative credit rating, you will usually only be offered the minimum coverage amounts. This is no different for an electric car insurance policy. Although 50 million is recommended, resp. 100 million would be better, but these sums will probably not be granted to you. The minimum coverage amounts required by law for electric car automobile insurance are:
- for personal injuries 7,5 million
- for property damage 1.12 million euros
- 50 for property damage.000 euros
Attention: Difference of the electric car comprehensive insurances
You have to be careful with the comprehensive insurances. Both partial and fully comprehensive insurance are not compulsory insurances. You are not subject to the obligation to contract and the insurer has the right to refuse you as a policyholder with negative credit history. If you have a negative Schufa and fear the credit report, take out the comprehensive insurance in the insurance comparison and limit your application to the electric car car insurance. If you have paid your insurer on time for a year and they have determined that you are a reliable customer, seek personal discussion and approach your insurer about comprehensive insurance. As an existing customer it will be easier to get one of the two comprehensive insurance with negative Schufa.
Electric car liability compare, change and save
You now have all the necessary info and tips on how to get cheap electric car insurance despite negative Schufa. Use our insurance comparison, configure it accordingly and display all providers. You can clearly compare the results and see which auto insurance policy fits your e-car. Subsequently, make the application immediately online. The credit check only takes a few seconds, so get your result online right away. If you don't have any luck with the online review, make a note of the providers you've chosen and try talking to them in person instead. It is worthwhile in any case to compare the electric car liability, because there are still neat differences in the various insurance companies.