• Update your details! It is always prudent to ensure that the insurance provider is notified of any change of circumstances that may impact upon the policy. This may relate to a change in the driver's regular itinerary that sees him putting fewer miles on the clock compared with the time at which the cover was taken out. On the other hand the driver risks being penalised if he does not notify his insurer if he starts to drive a lot more. They are very particular about this in Germany. Examples of other changing circumstances that should be brought to the attention of the Kfz-Versicherung providers are: house purchase, birth of children, purchase of season ticket for public transport, new employment and other drivers ceasing to drive the vehicle in question as a matter of routine.

• Examine the market. It is best it check out the market each year to ensure that one's cover is still competitive. The car insurance market is very volatile and new providers are always moving onto the scene and existing insurers are always looking to expand their market share.

• Use an online comparison site. The best of these allow the consumer to obtain an easy overview of all providers and all the variables only have to be entered in once into the online Preisvergleich. Furthermore, online providers of Autoversicherung are not burdened with cost heavy overheads associated with high street banks. Therefore the internet is certainly the gateway to the best deals around.

• Don't leave it too late! In Germany the current Kfz Versicherung provider has to be notified not later than the end of November if there is to be a change over to somebody else. If the new policy is to incorporate anything more than third party mandatory cover then the existing provider insists upon a copy of their offer letter. The notification to quit the existing provider is a strictly conventional formula and must be followed to the letter: "Hiermit kündige ich den Kfz-Haftpflicht- und/oder Kasko-Versicherungsvertrag".

21.2.2008

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