Money back from car insurance

Money back from car insurance

According to an analysis by the comparison portal check24, Germans drive an average of 11,387 kilometers a year by car. If the actual number of kilometers in the Corona year 2020 was less than specified in the contract, many motor insurers will pay you back.

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Car owners named an average annual mileage of 11,387 kilometers with their insurance companies in 2020 – 346 kilometers less than in 2019. This is based on an evaluation on the website Check24 emerged. All motor vehicle insurance policies that consumers took out via the comparison portal in the corresponding period serve as the database for the study.

Leader and bottom remain the same

As early as 2019, Mecklenburg-Western Pomerania was the kilometer king among the federal states, while Berlin was at the bottom. Nothing has changed about that. With 12,813 kilometers, drivers from Mecklenburg-Western Pomerania once again covered the greatest distance last year. This means that they covered 3,268 kilometers more than car owners from Berlin, who again reported the lowest average with 9,545 kilometers.

Less kilometers from the city-states

In almost all of the remaining federal states, the number of annual kilometers was between 11,000 and 12,000 (see list below). In addition to the Berliners, only drivers from Hamburg (10,461 km) undercut the 11,000-kilometer mark. On average, car owners from the city states of Berlin, Hamburg and Bremen traveled almost 1,500 kilometers less than car owners from the large states.

Coronabedingter Mobilitätsrückgang

Home office? Sometimes yes sometimes no. Curfew? Yes, but only temporarily for now. Travel restrictions? They apply, but they are also a snapshot. When it comes to annual kilometers, it is hard to set a fixed value, while Covid-19 drives the world. For example, the mobility of Germans in November 2020 fell by 8.5% compared to the same month of the previous year – temporarily triggered by the partial lockdown that came into force at the time (source: Federal Office of Statistics).

Money back with less mileage

What is annoying about unexpected declines in mobility? First of all, nothing. All the better if the car comes to a standstill. However, the stated mileage is reflected in the insurance costs. “When taking out their car insurance, consumers should make sure that they only pay for as many kilometers as they have driven,” says Dr. Tobias Stuber from Check24. The CEO of the portal in the area of ​​motor vehicle insurance advises comparing the forecasts made with the actual annual mileage: Many insurers reimburse premiums that are too high. All you have to do is report the actual mileage at the end of the contract period.

Check24 marks corresponding providers with the addition “Corona protection” when comparing insurance. This enables policyholders to quickly see where something can still be found at the end of the contract.

This is what Check24’s federal state ranking looks like:

  • Mecklenburg-Western Pomerania 12,813 km
  • Schleswig-Holstein 12,446 km
  • Saxony-Anhalt 12,254 km
  • Thuringia 12,068 km
  • Brandenburg 12,039 km
  • Rhineland-Palatinate 11,959 km
  • Lower Saxony 11,895 km
  • Saxony 11,626 km
  • Bavaria 11,489 km
  • Hesse 11,399 km
  • Saarland 11,371 km
  • Baden-Wuerttemberg 11,300 km
  • North Rhine-Westphalia 11,049 km
  • Bremen 11,029 km
  • Hamburg 10,461 km
  • Berlin 9.545 km


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