Car registration at the registration office

Important for vehicle registration: license plates, taxes, MOT and insurance

Car registration at the registration office: registration

Everyone knows that a car needs a valid TÜV inspection when registering for a vehicle. But with more needed papers many are already overwhelmed. Do I need the identity card? When do I have to take care of the insurance? How much does a car registration cost? Questions that we would like to answer here to support a speedy and smooth vehicle registration.

A vehicle registration is not a big effort, but annoying when papers are missing and the way is needed again. Therefore, good preparation is the first important step.

What is needed for the vehicle registration?

They can approve their vehicle at the responsible registration office. The following documents are required for this:

  • Identity card or valid passport with confirmation of registration
  • Vehicle letter / certificate or confirmation of approval Part I and Part II
  • Confirmation of insurance by eVB number (available from future insurance)
  • TÜV and AU certificate
  • Bank details for direct debit authorization

Particularities:

  • Minors require parental consent
  • In the case of an admission on behalf of others, a power of attorney, a signed direct debit authorization, as well as the identity card of the vehicle owner are required.
  • existing and valid license plates can be used

Cost of vehicle registration

The cost of registering a vehicle may vary depending on the state and type of registration. While the registration of a new car costs around 26 €, a used car with about 11 € is much cheaper. Another influence of the registration district. It is always advantageous to register the vehicle in the same registration district in which the vehicle is to be registered.

Additional costs are caused by the required license plate number.

Automobile liability insurance

The liability insurance is required by law and must be carried out by the policyholder for vehicles subject to registration. It covers the claims for damages of a third party (such as accident opponents) in case of damage. The event of damage occurs when the driver of the insured vehicle bears the guilt of an accident or is responsible for its consequences.

Unlike the general right to damages, however, not only the driver is liable for the damage caused, but also the holder of the vehicle, which is noted in the vehicle registration document.

Cover by the motor vehicle liability insurance:

  • personal injury
  • damage to property
  • financial losses

insurance

Comprehensive insurance is in contrast to the motor liability insurance in Germany is not compulsory insurance. It comes for damage, destruction and loss of the vehicle of the insured. Depending on the scope of services, a distinction is made in partial and full insurance. Exclusions of insurance cover are made in case of gross negligence or intent.

CDW

The partial insurance is an additional insurance with limited scope of services, which secures your own vehicle. The following cases are covered by the partial coverage:

  • Fire or explosion
  • theft
  • Exposure to storm, hail, lightning or flooding
  • Collision with wild deer
  • Glass breakage
  • Damage to wiring due to short circuit
  • martens

The contributions (premiums) paid by the policyholder are made up of various factors, such as the non-infringement class and other tariff features, which may vary depending on the insurance. More about this under insurance premiums.

One way of lowering these premiums is the excess. This means that the policyholder pays part of the costs in case of damage.

Comprehensive

Like the partial comprehensive insurance, the full insurance is an additional insurance, but with an extended scope of services, which secures your own vehicle. The following cases are additionally covered by the full insurance:

  • Vandalism / damage to the vehicle by strangers
  • Accident damage to own vehicle (self-inflicted accidents, driver's escape of the other party, missing insurance against accident opponents, no liability for accident opponents, for example minors)

Composition of insurance premiums

Premiums are insurance premiums that the policyholder has to pay to the corresponding insurance company. Depending on the contract, the contractor agrees to pay this quarterly, half-yearly or full-year.

The insurance premiums are made up of several factors in the motor vehicle sector.

Damage-free discount For each year without damage, the policyholder receives a corresponding discount on the actual insurance amount. However, the rebate is only taken into account for fully comprehensive (full vehicle insurance) and motor vehicle liability insurance. In the vehicle part insurance (Teilkasko) there is no damage free discount. If the driver of the insured vehicle causes damage, the discount will be re-demoted. Type Class Frequency of Damage and Repair Costs of the Insured Motor Vehicle Regional Class Frequency of Damage in a Regionally Limited Area Soft Tariff Characteristics Soft Tariff Characteristics additionally serve to estimate risks and are especially valid for passenger cars. Common criteria:

  • Age of the policyholder
  • Period since issuing the license
  • Parking space of the car
  • Annual mileage
  • Restriction on certain drivers
  • Score in the traffic central register

In addition to the actual car insurance, there is also a special vehicle or traffic protection insurance. This can be completed individually or in a package with other legal protection modules. In the motor vehicle sector, legal expenses insurance may relate specifically to the vehicle, driver or family.

Usual component of a motor vehicle legal protection insurance:

  • Damages legal protection
  • Legal protection in contract and property law
  • Tax Law
  • Administrative legal protection (formerly also driving license RS)
  • Criminal legal
  • Offenses legal protection
  • Disciplinary and status legal protection
  • Social Court legal protection

How do I cancel my old car insurance?

The change of insurance is usually not a problem, but you should stick to the deadlines and pay attention to specifics.

Timely termination at the end of the insurance year

  • The car insurance can always be terminated at the end of an insurance year. The expiry date can be found in the insurance policy.
  • Most insurance contracts end on 31.12. and have one month's notice
  • The letter of termination should be sent to the insurance company by 30.11. submit.

Special right

  • You may cancel prematurely if the insurance increases the contributions.
  • If you change your type or regional class, you are entitled to a one-month special right of termination.

Termination in case of damage

  • In case of damage, it is possible to change the insurance within one month after the end of the damage. The refusal or acceptance of the damage by the old insurance does not matter.

Termination for new registration or vehicle change

  • In the case of a new registration or a vehicle change, they may change insurance without notice.

What does the claims-free class say?

Car registration at the registration office: insurance

If minor damage is repaired on your own vehicle, the contribution rate of the comprehensive insurance does not change.

Car registration at the registration office: office

For larger damages, the use of the insurance pays off.

The amount of contributions for car insurance depends u. a. from the so-called Claims category from. Both for the liability insurance as for the comprehensive insurance is with the help of Claims category (SF class) of the no-claims discount (SF). The determination of the SF class is determined by the number of non-claiming years. Partial casualty insurance is not included in the claims-free classes; it always amounts to 100% of the insurance premium.

Indemnification classes for passenger cars

(Damage-free calendar years | Indemnity class Haftpfl. | Contribution rate | Fully comprehensive contributions)

  • 28 SF 28 30% 30%
  • 27 SF 27 30% 30%
  • 26 SF 26 30% 30%
  • 25 SF 25 30% 30%
  • 24 SF 24 30% 30%
  • 23 SF 23 30% 30%
  • 22 SF 22 30% 35%
  • 21 SF 21 35% 35%
  • 20 SF 20 35% 35%
  • 19 SF 19 35% 35%
  • 18 SF 18 35% 35%
  • 17 SF 17 35% 40%
  • 16 SF 16 35% 40%
  • 15 SF 15 40% 40%
  • 14 SF 14 40% 40%
  • 13 SF 13 40% 45%
  • 12 SF 12 40% 45%
  • 11 SF 11 45% 45%
  • 10 SF 10 45% 50%
  • 09 SF 09 45% 50%
  • 08 SF 08 50% 55%
  • 07 SF 07 50% 60%
  • 06 SF 06 55% 60%
  • 05 SF 05 55% 65%
  • 04 SF 04 60% 70%
  • 03 SF 03 70% 80%
  • 02 SF 02 85% 85%
  • 01 SF 01 100% 100%
  • *) SF 1/2 140% 115%
  • Damage class SF S 155% -
  • Beginner SF 0 230% 125%
  • Malus Class SF M 245% 160%

*) Contract will be classified in SF ½ at the first due date in the new year, if the contract in the previous year from 2.1. - 1.7. Class 0 at the beginning of the contract or classification at the start of the contract according to the second car or driving license regulation according to I.2.2.1 of the AKB.

What do I pay as a novice driver?

For novice drivers, as well as policyholders with less than three years of driving experience is classified in the Damage-free class 0 (230%), However, the percentage is often dependent on the insurance.

Anyone who has a valid driving license for more than three years is usually included in the SF 1 or 2 classified (100% or 85%), Prerequisite is however additionally a driver's license from one EU member state, For driving licenses from non-member states (eg Turkey), this is not recognized and the policyholder is classified in SF 0.

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Video Board: How to Get a Car Registration