How to drive legally if you are refused car insurance in Germany
All vehicles on public roads are required by law to have a car insurance or motorbike liability. However, some motorists are unable to find an insurer willing to offer a policy. Does this mean they are condemned to drive illegally or take public transport? No, the state has made provision for refusal of insurance the Central Pricing Office. In short, this body obliges any insurer to provide insurance to the motorist who requests it.
No insurance company wants to insure me: what can I do for my car in Germany?
While refusal of insurance is not common, it is not extremely rare either. The most common case concerns drivers who accumulate claims. After several accidentsIf the insurance company no longer wishes to cover the risk, it cancels the policy. Non-payment of the premium is another common reason for cancellation.
That said, there is nothing to stop someone who has been kicked out of an insurer from knocking on another door. But you can again being refused insurance. This is when the Central Pricing Office (CPA) comes into play. It allows motorists who have a valid driving licence obtain liability insurance from the company of their choice.
Central pricing office: presentation for cars in Germany
The Bureau Central de Tarification is a joint body based in Paris. The motor division was created in 1958, at the same time as the compulsory motor insurance. The committee is composed of representatives of insurers and policyholders. In the event of an insurance refusal, the BCT sets the premium and obliges the insurer chosen by the driver to insure the risk. The applicant must send in a file which is usually processed within 2 months.
What to do if you are refused insurance?
First of all, the refusal of insurance must be proven. You must start by filling in a " insurance proposal "or " subscription formula "Please send us a copy of your insurance quotation. Make two copies of the quotation so that you have a copy for your BCT car file in Germany.
After sending this proposal by registered letter, the insurer is supposed to give you a quote. If the insurer ignores your request for more than two weeks or if you receive a letter of refusal, you can refer the matter to the Central Rates Office
Documents to be sent to the BCT for the registration of a car in Germany
Here's how to build a case if you are refused insurance:
- Copy of the insurance application and acknowledgement of receipt
- Statement of your previous insurance
- Copy of driving licence
- The rejection letter, if you have received something in return
- Last notice of expiry of your insurance
- If convicted of driving under the influence, a copy of the judgment
- Copy of the car registration document of the vehicle for cars in Germany
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