{"id":599,"date":"2020-11-22T20:47:48","date_gmt":"2020-11-22T19:47:48","guid":{"rendered":"https:\/\/ingermania.ro\/?p=599"},"modified":"2020-11-22T20:48:46","modified_gmt":"2020-11-22T19:48:46","slug":"asigurarea-auto-in-germania","status":"publish","type":"post","link":"https:\/\/ingermania.ro\/asigurarea-auto-in-germania\/","title":{"rendered":"Asigurarea auto \u00een Germania pas cu pas!"},"content":{"rendered":"<h3><strong>Asigurarea auto \u00een Germania este obligatorie<\/strong><\/h3>\n<p>\u00cen Germania, to\u021bi posesorii de autovehicule sunt obliga\u021bi s\u0103 \u00eencheie o asigurarea de r\u0103spundere civil\u0103. Exist\u0103 obligativitatea \u00eencheierii unei asigur\u0103ri, precum \u00een cazul asigur\u0103rii medicale. Asigurarea auto obligatorie acoper\u0103 v\u0103t\u0103m\u0103rile corporale (de exemplu prejudicii aduse s\u0103n\u0103t\u0103\u021bii) \u0219i daunele materiale produse de proprietarul autovehiculului. \u00cen aceast\u0103 situa\u021bie se asigur\u0103, de exemplu, repara\u021bia ma\u0219inii avariate. Daunele provocate de accidente sunt adesea foarte mari \u0219i nu pot fi acoperite din fondurile proprii.<\/p>\n<p>\u00cen afar\u0103 de asigurarea obligatorie de r\u0103spundere civil\u0103, proprietarul autovehiculului poate \u00eencheia \u0219i o asigurare suplimentar\u0103, care este op\u021bional\u0103. Asigurarea RCA nu acoper\u0103 orice daun\u0103. Printre asigur\u0103rile op\u021bionale, se num\u0103r\u0103 diferite variante de asigurarea CASCO. \u00cen acest articol vei g\u0103si informa\u021bii detaliate despre asigurarea auto german\u0103 (valoarea acesteia, tipuri de asigur\u0103ri CASCO, reglement\u0103rile legale \u0219i multe altele), po\u021bi compara ofertele diver\u0219ilor asiguratori germani \u0219i \u00eencheia un contract online.<\/p>\n<p><strong>Sfatul \u00eenGermania.ro:<\/strong>\u00a0asigur\u0103rile \u00eencheiate online sunt de obicei mai ieftine dec\u00e2t cele \u00eencheiate la un birou (lipsa de costuri cu personalul). \u00cen plus, ele pot fi reziliate \u00een termen de 14 zile de la \u00eencheierea lor, f\u0103r\u0103 a preciza vreun motiv \u0219i f\u0103r\u0103 consecin\u021be financiare (\u00a7 312 ff., 355 BGB). Reglementarea are ca scop protejarea consumatorilor fa\u021b\u0103 de companiile neserioase \u0219i reducerea riscurilor.<\/p>\n<h3><strong>Comparatorul de asigur\u0103ri auto germane<\/strong><\/h3>\n<p>Datorit\u0103 colabor\u0103rii cu Check24, cel mai mare site german de comparare a ofertelor de asigur\u0103ri, pe pagina noastr\u0103 po\u021bi compara diferite asigur\u0103ri \u0219i po\u021bi cump\u0103ra una online, folosind formularul de mai jos. Este practic pentru c\u0103 imediat dup\u0103 \u00eencheierea asigur\u0103rii, vei primi, la adresa de email sau num\u0103rul de telefon pe care le-ai furnizat, num\u0103rul eVB, care este necesar \u00eenmatricul\u0103rii unei ma\u0219ini \u00een Germania (mai multe informa\u021bii \u00een acest articol). \u00cen plus, pentru personale care nu cunosc foarte bine limba german\u0103, am preg\u0103tit traducerea formularului folosit pentru compararea ofertelor (se afl\u0103 sub comparator).<\/p>\n<div id=\"tcpp-iframe-kfz\" style=\"width: 100%;\"><\/div>\n<p><script src=\"https:\/\/form.partner-versicherung.de\/widgets\/92204\/tcpp-iframe-kfz\/kfz-iframe.js\"><\/script><\/p>\n<h3><strong>Mai jos traducerea comparatorului pas cu pas<\/strong><\/h3>\n<div class=\"oxi-addons-container oxi-tabs-wrapper-7\" id=\"oxi-tabs-wrapper-7\">\r\n                 <div class=\"oxi-addons-row\"><div class=\"oxi-tabs-ultimate-style oxi-tabs-ultimate-template-10 oxi-tabs-click-event oxi-tabs-heading-responsive-static oxi-tab-header-vertical oxi-tab-header-top-left-position oxi-tab-header-left-top-position  oxi-tabs-header-horizontal-tabs-alignment-horizontal-horizontal oxi-tabs-header-horizontal-mobile-alignment-horizontal-horizontal oxi-tabs-header-vertical-tabs-alignment-horizontal  oxi-tabs-header-vertical-tabs-alignment-horizontal-compact oxi-tabs-header-vertical-mobile-alignment-horizontal  oxi-tabs-header-vertical-mobile-alignment-horizontal-compact   oxi-tab-clearfix\" data-oxi-tabs='{\"header\":\"0\",\"animation\":\"animate__fadeIn\",\"initial\":\":eq(0)\",\"trigger\":\"0\",\"type\":\"oxi-tabs-click-event\",\"lap\":\"no\",\"tab\":\"yes\",\"mob\":\"yes\"}'>   <div class=\"oxi-tabs-ultimate-header-wrap oxi-tabs-ultimate-header-7   oxi-tabs-heading-mobile-show-title-false oxi-tabs-heading-tabs-show-subtitle-false  oxi-tabs-heading-tabs-show-icon-false  oxi-tabs-heading-tabs-show-number-false  oxi-tabs-heading-tabs-show-image-false  \">        <div class=\"oxi-tabs-ultimate-header oxi-tab-clearfix\"><div class='oxi-tabs-header-li oxi-tab-header-aditional-left-position oxi-tabs-header-li-7-1' ref='#oxi-tabs-trigger-7-1' ><div class='oxi-tabs-header-li-title'><div class='oxi-tabs-main-title'>Pasul 1<\/div><\/div><div class=\"oxi-tabs-header-triangle-shape\"><\/div><\/div><div class='oxi-tabs-header-li oxi-tab-header-aditional-left-position oxi-tabs-header-li-7-2' ref='#oxi-tabs-trigger-7-2' ><div class='oxi-tabs-header-li-title'><div class='oxi-tabs-main-title'>Pasul 2<\/div><\/div><div class=\"oxi-tabs-header-triangle-shape\"><\/div><\/div><div class='oxi-tabs-header-li oxi-tab-header-aditional-left-position oxi-tabs-header-li-7-3' ref='#oxi-tabs-trigger-7-3' ><div class='oxi-tabs-header-li-title'><div class='oxi-tabs-main-title'>Pasul 3<\/div><\/div><div class=\"oxi-tabs-header-triangle-shape\"><\/div><\/div><div class='oxi-tabs-header-li oxi-tab-header-aditional-left-position oxi-tabs-header-li-7-4' ref='#oxi-tabs-trigger-7-4' ><div class='oxi-tabs-header-li-title'><div class='oxi-tabs-main-title'>Pasul 4<\/div><\/div><div class=\"oxi-tabs-header-triangle-shape\"><\/div><\/div><div class='oxi-tabs-header-li oxi-tab-header-aditional-left-position oxi-tabs-header-li-7-5' ref='#oxi-tabs-trigger-7-5' ><div class='oxi-tabs-header-li-title'><div class='oxi-tabs-main-title'>Pasul 5<\/div><\/div><div class=\"oxi-tabs-header-triangle-shape\"><\/div><\/div><div class='oxi-tabs-header-li oxi-tab-header-aditional-left-position oxi-tabs-header-li-7-6' ref='#oxi-tabs-trigger-7-6' ><div class='oxi-tabs-header-li-title'><div class='oxi-tabs-main-title'>Pasul 6<\/div><\/div><div class=\"oxi-tabs-header-triangle-shape\"><\/div><\/div><div class='oxi-tabs-header-li oxi-tab-header-aditional-left-position oxi-tabs-header-li-7-7' ref='#oxi-tabs-trigger-7-7' ><div class='oxi-tabs-header-li-title'><div class='oxi-tabs-main-title'>Pasul 7<\/div><\/div><div class=\"oxi-tabs-header-triangle-shape\"><\/div><\/div><div class='oxi-tabs-header-li oxi-tab-header-aditional-left-position oxi-tabs-header-li-7-8' ref='#oxi-tabs-trigger-7-8' ><div class='oxi-tabs-header-li-title'><div class='oxi-tabs-main-title'>Pasul 8<\/div><\/div><div class=\"oxi-tabs-header-triangle-shape\"><\/div><\/div>      <\/div>   <\/div>   <div class=\"oxi-tabs-ultimate-content-wrap\">      <div class=\"oxi-tabs-ultimate-content\">      <div class=\"oxi-tabs-body-tabs oxi-tabs-body-7  animate__animated \" id=\"oxi-tabs-body-7-1\">\r\n                            <p>La primul pas al formularului de mai sus, trebuie s\u0103 indici dac\u0103 e vorba de schimbarea asigur\u0103rii de\u021binute \u00een prezent (Versicherung wechseln) sau este o asigurarea nou\u0103, de exemplu dac\u0103 am cump\u0103rat o ma\u0219in\u0103 \u0219i vrem s\u0103 o \u00eenmatricul\u0103m (Neues Auto versichern). Dac\u0103 alegem prima op\u021biune (Versicherung wechseln), \u00een c\u00e2mpul \"Fahrzeug aktuell versichert bei\", trebuie s\u0103 scriem numele actualului asigurator: \u00cen cazul \u00eenmatricul\u0103rii unui nou vehicul, alegem cea de-a doua op\u021biune (Neues Auto versichern) \u0219i trebuie s\u0103 introducem informa\u021bii suplimentare:<\/p>\r\n<p><img class=\"wp-image-602 alignnone\" src=\"https:\/\/ingermania.ro\/wp-content\/uploads\/2020\/11\/Asigurarea-auto-\u00een-Germania-2-1.png\" alt=\"\" width=\"486\" height=\"269\" \/><\/p>\r\n<ul>\r\n<li>Vorverischerung vorhanden - alegem \"ja\", dac\u0103 deja de\u021binem o asigurare auto \u0219i dorim s\u0103 o schimb\u0103m. Dup\u0103 alegerea acestei op\u021biuni, apare un c\u00e2mp suplimentar unde trebuie s\u0103 furniz\u0103m numele actualului asigurator, adic\u0103<\/li>\r\n<li>Vorversicherung bei \u2013 care \u00eenseamn\u0103 \"asigurarea anterioar\u0103 la\"<\/li>\r\n<\/ul>\r\n<p>\u00cen \u00eentregime arat\u0103 astfel:<\/p>\r\n<p><img class=\"wp-image-600 alignnone\" src=\"https:\/\/ingermania.ro\/wp-content\/uploads\/2020\/11\/Asigurarea-auto-\u00een-Germania-1.png\" alt=\"\" width=\"505\" height=\"294\" \/><\/p>\r\n                                 \r\n                        <\/div>      <div class=\"oxi-tabs-body-tabs oxi-tabs-body-7  animate__animated \" id=\"oxi-tabs-body-7-2\">\r\n                            <p>\u00cen continuare trebuie s\u0103 alegem autoturismul pe care vrem s\u0103 \u00eel asigur\u0103m. Putem face asta pe baza talonului ma\u0219inii (Fahrzeugschein) sau putem alege ma\u0219ina din list\u0103 (Marke und Modell). P\u0103rerea noastr\u0103 este c\u0103 prima variant\u0103 este mai rapid\u0103 dac\u0103 ai talonul la \u00eendem\u00e2n\u0103. Dup\u0103 alegerea acestei op\u021biuni, va ap\u0103rea o poz\u0103 care arat\u0103 unde pot fi g\u0103site informa\u021biile de identificare a ma\u0219inii \u00een talon:<\/p>\r\n<p><img class=\"wp-image-603 alignnone\" src=\"https:\/\/ingermania.ro\/wp-content\/uploads\/2020\/11\/Asigurarea-auto-\u00een-Germania-3.png\" alt=\"\" width=\"530\" height=\"446\" \/><\/p>\r\n<p>\u00cen plus, trebuie s\u0103 alegem dac\u0103 este vorba de un autoturism suplimentar \"Handelt es sich um ein zus\u00e4tzliches Fahrzeug z.B. Zweitwagen?\".\u00a0 Dac\u0103 de\u021binem o singur\u0103 ma\u0219in\u0103, alegem r\u0103spunsul \"nein\" \u0219i mergem mai departe ap\u0103s\u00e2nd butonul \"weiter\".<\/p>\r\n<p>\u00cen aceea\u0219i fereastr\u0103, ne vor ap\u0103rea c\u00e2mpuri suplimentare \u00een care trebuie s\u0103 introducem mai \u00eent\u00e2i data primei \u00eenmatricul\u0103ri a ma\u0219inii (\"Erstzulassung des Fahrzeugs\") \u0219i valoare aproximativ\u0103 a noului autovehicul (\"Ungef\u00e4hrer Neuwert des Fahrzeugs\"):<\/p>\r\n<p><img class=\"wp-image-604 alignnone\" src=\"https:\/\/ingermania.ro\/wp-content\/uploads\/2020\/11\/Asigurarea-auto-\u00een-Germania-5.png\" alt=\"\" width=\"552\" height=\"180\" \/><\/p>\r\n                                 \r\n                        <\/div>      <div class=\"oxi-tabs-body-tabs oxi-tabs-body-7  animate__animated \" id=\"oxi-tabs-body-7-3\">\r\n                            <p>Pe urm\u0103toarea pagin\u0103 a formularului (<strong>Nutzung des Fahrzeugs<\/strong>) trebuie ales dac\u0103 ma\u0219ina va fi folosit\u0103 doar \u00een interes personal (<strong>nur<\/strong>\u00a0<strong>privat<\/strong>), doar \u00een interes de serviciu (nur gewerblich) sau at\u00e2t \u00een interes personal c\u00e2t \u0219i \u00een interes de serviciu (privat und gewerblich).<\/p>\r\n<p>\u00cen continuare trebuie s\u0103:<\/p>\r\n<ul>\r\n<li>estimezi num\u0103rul de kilometri parcur\u0219i anual (<strong>J\u00e4hrliche Fahrleistung<\/strong>)<\/li>\r\n<li>men\u021bionezi dac\u0103 ma\u0219ina are numere sezoniere (Saisonkennzeichen)<\/li>\r\n<li>indici cum a fost achizi\u021bionat\u0103 ma\u0219ina (Barkauf - numerar, Kredit - credit, Leasing - leasing)<\/li>\r\n<li>alegi unde va fi parcat\u0103 ma\u0219ina (N\u00e4chtlicher Stellplatz)<\/li>\r\n<li>introduci data de la care asigurarea va fi valabil\u0103 (de exemplu data \u00eenmatricul\u0103rii autovehiculului)<\/li>\r\n<\/ul>\r\n<p>Iat\u0103 cum arat\u0103 fragmentul de formular descris mai sus:<\/p>\r\n<p><img class=\"wp-image-605 alignnone\" src=\"https:\/\/ingermania.ro\/wp-content\/uploads\/2020\/11\/Asigurarea-auto-\u00een-Germania-6.png\" alt=\"\" width=\"538\" height=\"642\" \/><\/p>\r\n                                 \r\n                        <\/div>      <div class=\"oxi-tabs-body-tabs oxi-tabs-body-7  animate__animated \" id=\"oxi-tabs-body-7-4\">\r\n                            <p>\u00cen continuare trebuie introduse datele personale, \u00een urm\u0103toarea ordine:<\/p>\r\n<ul>\r\n<li>Geschlecht - sex<\/li>\r\n<li>Geburtsdatum \u2013 data na\u0219terii<\/li>\r\n<li>F\u00fchrerschein erworben am \u2013 data ob\u021binerii permisului de conducere<\/li>\r\n<li>Land des F\u00fchrerscheinerwerbs \u2013 \u021bara \u00een care a fost ob\u021binut permisul de conducere<\/li>\r\n<li>Familienstand \u2013 starea civil\u0103<\/li>\r\n<li>Beruflicher Status \u2013 statutul profesional (de ex. Angestellter - angajat)<\/li>\r\n<li>PLZ und Wohnort \u2013 codul po\u0219tal \u0219i locul de re\u0219edin\u021b\u0103<\/li>\r\n<li>Punkte in Flensburg \u2013 dac\u0103 avem puncte de penalizare \u00een Flensburg<\/li>\r\n<li>Regelm\u00e4\u00dfiger Zugriff auf weiteren Pkw \u2013 dac\u0103 avem acces \u00een mod regulat la un alt autovehicul<\/li>\r\n<\/ul>\r\n<p><img class=\"wp-image-606 alignnone\" src=\"https:\/\/ingermania.ro\/wp-content\/uploads\/2020\/11\/Asigurarea-auto-\u00een-Germania-7.png\" alt=\"\" width=\"531\" height=\"510\" \/><\/p>\r\n                                 \r\n                        <\/div>      <div class=\"oxi-tabs-body-tabs oxi-tabs-body-7  animate__animated \" id=\"oxi-tabs-body-7-5\">\r\n                            <p>\u00cen continuare, men\u021bion\u0103m persoana care va conduce vehiculul asigurat:<\/p>\r\n<ul>\r\n<li>Versicherungsnehmer (persoana care asigur\u0103 vehiculul)<\/li>\r\n<li>Versicherungsnehmer und weitere Fahrer (persoana care asigur\u0103 vehiculul \u00eempreun\u0103 cu al\u021bi \u0219oferi)<\/li>\r\n<\/ul>\r\n<p>\u0218i cine este proprietarul autoturismului:<\/p>\r\n<ul>\r\n<li>Halter des Autos (proprietarul ma\u0219inii)<\/li>\r\n<li>\u0219i data la care a fost \u00eenmatriculat pe numele actualului proprietar (se poate marca \"wie Erstzulassung\", adic\u0103 \"prima \u00eenmatriculare\", dac\u0103 este cazul)<\/li>\r\n<\/ul>\r\n<p><img class=\"wp-image-607 alignnone\" src=\"https:\/\/ingermania.ro\/wp-content\/uploads\/2020\/11\/Asigurarea-auto-\u00een-Germania-81.png\" alt=\"\" width=\"537\" height=\"329\" \/><\/p>\r\n                                 \r\n                        <\/div>      <div class=\"oxi-tabs-body-tabs oxi-tabs-body-7  animate__animated \" id=\"oxi-tabs-body-7-6\">\r\n                            <p>Urm\u0103torul pas din formular se refer\u0103 la actualul asigurator (dac\u0103 am selectat la \u00eenceput c\u0103 dorim s\u0103 schimb\u0103m asiguratorul actual). Aici trebuie s\u0103 men\u021bion\u0103m \u00een urm\u0103toarea ordine:<\/p>\r\n<ul>\r\n<li>Fahrzeug aktuell versichert bei \u2013 la ce asigurator este autovehiculul asigurat momentan<\/li>\r\n<li>Seit wann bei diesem Versicherer \u2013 de c\u00e2t timp este asigurarea la acesta<\/li>\r\n<li>Aktueller Vertrag bereits gek\u00fcndigt \u2013 dac\u0103 actualul contract a fost deja reziliat, \u00een cazul \u00een alegem \"da\", trebuie men\u021bionat, dac\u0103 asigurarea a fost reziliat\u0103 de c\u0103tre noi (\"ich selbst\") sau de c\u0103tre asigurator (\"Versicherer\")<\/li>\r\n<li>Vom Versicherer regulierte Sch\u00e4den in den letzten 3 Jahren \u2013 dac\u0103 \u00een ultimii trei ani asiguratorul a pl\u0103tit vreo daun\u0103<\/li>\r\n<li>Schadenfreiheitsklasse (SF) \u2013 clasa bonus-malus<\/li>\r\n<\/ul>\r\n<p><img class=\"wp-image-608 alignnone\" src=\"https:\/\/ingermania.ro\/wp-content\/uploads\/2020\/11\/Asigurarea-auto-\u00een-Germania-9.png\" alt=\"\" width=\"529\" height=\"617\" \/><\/p>\r\n                                 \r\n                        <\/div>      <div class=\"oxi-tabs-body-tabs oxi-tabs-body-7  animate__animated \" id=\"oxi-tabs-body-7-7\">\r\n                            <p>Pentru a sc\u0103dea pre\u021bul asigur\u0103rii, avem posibilitatea de a alege op\u021biuni care pot reduce costul, ca de exemplu dac\u0103 suntem membri AvD sau ADAC (\"Automobilclub-Mitglied\") sau lucr\u0103m \u00een anumite domenii (\"Branche\"):<\/p>\r\n<p><img class=\"wp-image-609 alignnone\" src=\"https:\/\/ingermania.ro\/wp-content\/uploads\/2020\/11\/Asigurarea-auto-\u00een-Germania-10.png\" alt=\"\" width=\"553\" height=\"631\" \/><\/p>\r\n<p>La final bif\u0103m c\u0103 am luat la cuno\u0219tin\u021b\u0103 regulamentul, pentru a vizualiza ofertele. \u00cenainte de a le vedea,\u00a0 alegem dac\u0103 vrem s\u0103 schimb\u0103m set\u0103rile selectate \u00een comparator sau le confirm\u0103m pe cele existente (\"\u00fcbernehmen\"):<\/p>\r\n<p><img class=\"wp-image-610 alignnone\" src=\"https:\/\/ingermania.ro\/wp-content\/uploads\/2020\/11\/Asigurarea-auto-\u00een-Germania-11.png\" alt=\"\" width=\"538\" height=\"353\" \/><\/p>\r\n<p>\u00a0<\/p>\r\n                                 \r\n                        <\/div>      <div class=\"oxi-tabs-body-tabs oxi-tabs-body-7  animate__animated \" id=\"oxi-tabs-body-7-8\">\r\n                            <p>Dac\u0103 vizualizezi pagina pe computer sau tablet\u0103, dup\u0103 afi\u0219area rezultatelor oferite de comparator, \u00een partea st\u00e2ng\u0103 po\u021bi schimba set\u0103rile prin intermediul filtrelor, de exemplu s\u0103 alegi tipul de asigurare:<\/p>\r\n<ul>\r\n<li>nur Haftpflicht (acoper\u0103 pagubele pricinuite altora din vina noastr\u0103)<\/li>\r\n<li>mit Teilkasko (acoper\u0103 suplimentar daune precum cele cauzate de grindin\u0103 sau furt)<\/li>\r\n<li>mit Vollkasko (acoper\u0103 toate daunele, inclusiv cele cauzate de noi)<\/li>\r\n<\/ul>\r\n<p><img class=\"wp-image-611 alignnone\" src=\"https:\/\/ingermania.ro\/wp-content\/uploads\/2020\/11\/Asigurarea-auto-\u00een-Germania-12.png\" alt=\"\" width=\"521\" height=\"365\" \/><\/p>\r\n                                 \r\n                        <\/div>      <\/div>  <\/div><\/div>   <\/div>\r\n              <\/div>\n<h3><strong>\u00cencheierea asigur\u0103rii auto online \u00een Germania<\/strong><\/h3>\n<p>Dup\u0103 cum am men\u021bionat mai sus, atunci c\u00e2nd \u00eenchei o asigurare online, prime\u0219ti num\u0103rul poli\u021bei , \u00een german\u0103 \u201ceVB-Nummer\u201d, pe care trebuie s\u0103 \u00eel furnizezi atunci c\u00e2nd \u00eenmatriculezi autoturismul. Acesta este trimis prin email sau SMS \u0219i e de ajuns s\u0103 \u00eel notezi pe o foaie de h\u00e2rtie. E bine de \u0219tiut c\u0103, p\u00e2n\u0103 \u00een momentul \u00eenmatricul\u0103rii ma\u0219inii, po\u021bi renun\u021ba la asigurare. \u00cen acest caz num\u0103rul eVB trebuie distrus \u0219i un asigurator trebuie ales. Abia dup\u0103 ce vehiculul a fost \u00eenmatriculat, contractul cu asiguratorul intr\u0103 \u00een vigoare, dar, dac\u0103 l-ai \u00eencheiat online, ai \u00eenc\u0103 14 zile pentru rezilierea acestuia.<\/p>\n<h3><strong>C\u00e2t cost\u0103 asigurarea auto \u00een Germania?<\/strong><\/h3>\n<p>Potrivit informa\u021biilor furnizate de organiza\u021bia \u201cInsurance Europe\u201d, prima medie pentru asigurarea RCA \u00een Germania este de 237 de euro, cost care plaseaz\u0103 aceast\u0103 \u021bar\u0103 pe locul 6 \u00een topul pre\u021burilor. C\u00e2\u021biva factori influen\u021beaz\u0103 costul asigur\u0103rii auto \u00een Germania. Asemenea asiguratorilor din Rom\u00e2nia, cei din Germania iau \u00een considerare perioada de de\u021binere a carnetului de conducere \u0219i experien\u021ba \u0219oferului. Un rol important \u00eel au \u0219i reducerile.<\/p>\n<p>\u00cen plus, asiguratorii germani iau \u00een considerare, la stabilirea pre\u021bului asigur\u0103rii, \u0219i urm\u0103toarele criterii:<\/p>\n<ul>\n<li>Marca \u0219i modelul autovehiculului: asigurarea RCA \u0219i CASCO apar\u021bin unui anumit vehicul \u0219i nu proprietarului, precum \u00een Rom\u00e2nia. \u00cen plus asiguratorii germani iau \u00een considerare statisticile despre frecven\u021ba cu care este implicat \u00een accidente respectivul model.<\/li>\n<li>Data na\u0219terii \u0219oferului: anul \u00een care s-a n\u0103scut \u0219oferul vehiculului este foarte important. Cu c\u00e2t \u0219oferul este mai t\u00e2n\u0103r, cu at\u00e2t cresc \u0219ansele ca acesta s\u0103 cauzeze un accident.<\/li>\n<li>\u0218oferi suplimentari: chiar dac\u0103 principalul proprietar al ma\u0219inii are o experien\u021b\u0103 \u00eendelungat\u0103 la volan \u0219i beneficiaz\u0103 de reducerile maxime, dac\u0103 alt \u0219ofer care utilizeaz\u0103 vehiculul este neexperimentat, asiguratorul va cere un pre\u021b mai mare.<\/li>\n<li>Data eliber\u0103rii permisului de conducere: experien\u021ba \u00een \u0219ofat are o mare influent\u0103 asupra costului poli\u021bei de asigurare. Companiile de asigur\u0103ri germane asociaz\u0103 adesea acest factor cu v\u00e2rsta \u0219oferului. Cu c\u00e2t o persoan\u0103 este mai t\u00e2n\u0103r\u0103 \u0219i mai pu\u021bin experimentat\u0103, cu at\u00e2t riscul acoperit de asigurare cre\u0219te \u0219i, \u00eempreun\u0103 cu acesta, \u0219i pre\u021bul poli\u021bei.<\/li>\n<li>Locul de re\u0219edin\u021b\u0103: companiile germane de asigur\u0103ri solicit\u0103 \u00eentotdeauna codul po\u0219tal al localit\u0103\u021bii de re\u0219edin\u021b\u0103. Acestea posed\u0103 informa\u021bii despre num\u0103rul de accidente \u0219i furturi care au loc \u00een fiecare localitate. Cu c\u00e2t aceste incidente sunt mai numeroase, cu at\u00e2t este mai mare probabilitatea ca \u0219i \u0219oferul vehiculului asigurat s\u0103 fie implicat \u00eentr-un astfel de incident. Prin urmare, acesta va trebui s\u0103 suporte un cost mai mare.<\/li>\n<\/ul>\n<p>\u00cen general, \u00ee\u021bi recomand\u0103m s\u0103 completezi formularul de mai sus \u0219i s\u0103 verifici efectiv care este costul poli\u021bei de asigurare pentru autovehicule \u00een Germania. La noi le vei g\u0103si pe cele mai ieftine, lucru de care te po\u021bi convinge singur!<\/p>\n<h3><strong>Ce tipuri de asigur\u0103ri CASCO exist\u0103 \u00een Germania?<\/strong><\/h3>\n<p>Se face diferen\u021ba \u00eentre asigur\u0103rile CASCO totale \u0219i cele par\u021biale. Cele din urm\u0103 sunt utile, de exemplu, \u00een cazul pagubelor provocate de incendiu sau furt. Po\u021bi economisi bani atunci c\u00e2nd declari \u00een contractul de asigurare ce parte din daun\u0103 va fi suportat\u0103 de c\u0103tre tine \u00een cazul unui eveniment. \u00cen acest caz, costul poli\u021bei de asigurare va fi mai mic. Pe de alt\u0103 parte, asigurarea CASCO total\u0103 acoper\u0103 \u0219i pagubele produse din propria vin\u0103 sau cele cauzate de ter\u021be persoane. \u00cen plus, sunt multe alte op\u021biuni de care proprietarii de vehicule pot beneficia. De exemplu, aceste pot acoperi transportul ma\u0219inii avariate, extragerea unei ma\u0219ini scufundate, cererile de desp\u0103gubire sau daunele cauzate \u00een str\u0103in\u0103tate. Printre tipurile de asigurare suplimentar\u0103 se num\u0103r\u0103 \u0219i pachetul assistance, asigurarea de protec\u021bie a \u0219oferului (Fahrerschutzversicherung) sau a\u0219a-numita \u201eMallorca-Police\u201d, adic\u0103 poli\u021ba de asigurare \u00eempotriva pagubelor produse \u00een timpul conducerii unui automobil \u00eenchiriat.<\/p>\n<h3><strong>C\u00e2t timp este valabil\u0103 asigurarea auto \u00een Germania?<\/strong><\/h3>\n<p>Asigurarea auto din Germania se cump\u0103r\u0103, la fel ca \u00een Rom\u00e2nia, pentru 12 luni. Excep\u021bie fac asigur\u0103rile cump\u0103rate prin internet, care sunt de obicei mult mai ieftine \u0219i pot fi reziliate \u00een termen de 14 zile f\u0103r\u0103 a pl\u0103ti taxe suplimentare. Poli\u021ba cump\u0103rate online devine valabil\u0103 doar dup\u0103 \u00eenmatricularea ma\u0219inii, iar dac\u0103 ma\u0219ina nu este \u00eenmatriculat\u0103, po\u021bi de asemenea renun\u021ba la asigurare. \u00cen cazul unei poli\u021be cump\u0103rate la un birou, ea poate fi reziliate cu 4 s\u0103pt\u0103m\u00e2ni \u00eenainte de \u00eencheierea perioadei de valabilitate. \u00cen caz contrar, va fi prelungit\u0103 automat.<\/p>\n<h3><strong>Asigurarea auto \u00een Germania \u2013 reglement\u0103ri legale<\/strong><\/h3>\n<p>Asigur\u0103rile auto reprezint\u0103 unul dintre domeniile cele mai importante ale industriei asigur\u0103rilor \u00een caz de accidente \u0219i pagube din Germania. Un fragment din Legea privind asigur\u0103rile obligatorii pentru transportul cu autoturisme (PflVG-Pflichtversicherungsgesetz) reglementeaz\u0103 asigurarea auto \u00een Germania:<\/p>\n<ul>\n<li><strong>1 din Legea privind asigur\u0103rile obligatorii pentru transportul cu autoturisme (PflVG)<\/strong><\/li>\n<\/ul>\n<p>Persoana care de\u021bine un autovehicul sau o remorc\u0103, care \u00ee\u0219i au locul de sta\u021bionare pe teritoriul \u021b\u0103rii, este obligat\u0103 s\u0103 \u00eencheie o asigurare de r\u0103spundere civil\u0103 auto pentru sine, proprietarul \u0219i \u0219oferul vehiculului \u00een scopul acoperirii daunelor personale, materiale sau de alt\u0103 natur\u0103 generate de utilizare vehiculului.<\/p>\n<h3><strong>Schimbarea asiguratorului \u2013 astfel economise\u0219ti la asigurarea auto \u00een Germania<\/strong><\/h3>\n<p>\u00cen cazul \u00een care costul asigur\u0103rii RCA sau CASCO la actualul asigurator este prea ridicat, ar trebui s\u0103 te g\u00e2nde\u0219ti la schimbarea companiei de asigur\u0103ri. \u00cen general, \u00een Germania se recomand\u0103 rezilierea asigur\u0103rii auto \u00een fiecare an, pentru a putea beneficia de serviciile asiguratorilor care au cea mai bun\u0103 ofert\u0103 \u00een anul respectiv. Pentru a rezilia contractul de asigurare auto \u00een Germania, o cerere de reziliere trebuie trimis\u0103 asiguratorului \u00eenainte de sf\u00e2r\u0219itul perioadei de un an acoperit\u0103 de asigurare. Perioada anual\u0103 de asigurare se termin\u0103 de obicei la 31 decembrie anul curent. Acesta este momentul potrivit pentru alegerea unei alte companii de asigur\u0103ri. Cererea de reziliere trebuie s\u0103 ajung\u0103 la asiguratorul actual cel t\u00e2rziu cu 4 s\u0103pt\u0103m\u00e2ni \u00eenainte de expirarea contractului \u00een desf\u0103\u0219urare. Dac\u0103 cererea nu ajunge p\u00e2n\u0103 la aceast\u0103 dat\u0103, pierzi posibilitatea de a-\u021bi schimba compania de asigur\u0103ri, iar poli\u021ba va fi prelungit\u0103 pentru \u00eenc\u0103 un an. \u00cen afar\u0103 de rezilierea simpl\u0103, este posibil\u0103 schimbarea companiei de asigur\u0103ri \u0219i pe baza dreptului de reziliere anticipat\u0103, dar numai \u00een cazuri speciale. Dup\u0103 rezilierea actualei poli\u021be, \u00eentoarce-te pe pagina noastr\u0103 \u0219i compar\u0103 actualele oferte ale companiilor germane de asigur\u0103ri. Doar \u00een acest fel vei putea fi sigur c\u0103 asigurarea auto aleas\u0103 este \u00eentotdeauna cea mai avantajoas\u0103.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Asigurarea auto \u00een Germania este obligatorie \u00cen Germania, to\u021bi posesorii de autovehicule sunt obliga\u021bi s\u0103 \u00eencheie o asigurarea de r\u0103spundere civil\u0103. Exist\u0103 obligativitatea \u00eencheierii unei asigur\u0103ri, precum \u00een cazul asigur\u0103rii medicale. Asigurarea auto obligatorie acoper\u0103 v\u0103t\u0103m\u0103rile corporale (de exemplu prejudicii aduse s\u0103n\u0103t\u0103\u021bii) \u0219i daunele materiale produse de proprietarul autovehiculului. \u00cen aceast\u0103 situa\u021bie se asigur\u0103, de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":613,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[13],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.12 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Asigurarea auto \u00een Germania pas cu pas! - InGermania<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ingermania.ro\/asigurarea-auto-in-germania\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Asigurarea auto \u00een Germania pas cu pas! - InGermania\" \/>\n<meta property=\"og:description\" content=\"Asigurarea auto \u00een Germania este obligatorie \u00cen Germania, to\u021bi posesorii de autovehicule sunt obliga\u021bi s\u0103 \u00eencheie o asigurarea de r\u0103spundere civil\u0103. Exist\u0103 obligativitatea \u00eencheierii unei asigur\u0103ri, precum \u00een cazul asigur\u0103rii medicale. Asigurarea auto obligatorie acoper\u0103 v\u0103t\u0103m\u0103rile corporale (de exemplu prejudicii aduse s\u0103n\u0103t\u0103\u021bii) \u0219i daunele materiale produse de proprietarul autovehiculului. \u00cen aceast\u0103 situa\u021bie se asigur\u0103, de [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ingermania.ro\/asigurarea-auto-in-germania\/\" \/>\n<meta property=\"og:site_name\" content=\"InGermania\" \/>\n<meta property=\"article:published_time\" content=\"2020-11-22T19:47:48+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-11-22T19:48:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ingermania.ro\/wp-content\/uploads\/2020\/11\/Asigurarea-auto-\u00een-Germania.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"667\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"InGermania\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"InGermania\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/ingermania.ro\/asigurarea-auto-in-germania\/\",\"url\":\"https:\/\/ingermania.ro\/asigurarea-auto-in-germania\/\",\"name\":\"Asigurarea auto \u00een Germania pas cu pas! - InGermania\",\"isPartOf\":{\"@id\":\"https:\/\/ingermania.ro\/#website\"},\"datePublished\":\"2020-11-22T19:47:48+00:00\",\"dateModified\":\"2020-11-22T19:48:46+00:00\",\"author\":{\"@id\":\"https:\/\/ingermania.ro\/#\/schema\/person\/89dc7175f72a4621ebc8fd986df9a3fc\"},\"breadcrumb\":{\"@id\":\"https:\/\/ingermania.ro\/asigurarea-auto-in-germania\/#breadcrumb\"},\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/ingermania.ro\/asigurarea-auto-in-germania\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/ingermania.ro\/asigurarea-auto-in-germania\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Startseite\",\"item\":\"https:\/\/ingermania.ro\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Asigurarea auto \u00een Germania pas cu pas!\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/ingermania.ro\/#website\",\"url\":\"https:\/\/ingermania.ro\/\",\"name\":\"InGermania\",\"description\":\"Pagin\u0103 pentru rom\u00e2nii din Germania!\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/ingermania.ro\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"ro-RO\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/ingermania.ro\/#\/schema\/person\/89dc7175f72a4621ebc8fd986df9a3fc\",\"name\":\"InGermania\",\"sameAs\":[\"https:\/\/ingermania.ro\"],\"url\":\"https:\/\/ingermania.ro\/author\/ingermania\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Asigurarea auto \u00een Germania pas cu pas! - InGermania","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/ingermania.ro\/asigurarea-auto-in-germania\/","og_locale":"ro_RO","og_type":"article","og_title":"Asigurarea auto \u00een Germania pas cu pas! - InGermania","og_description":"Asigurarea auto \u00een Germania este obligatorie \u00cen Germania, to\u021bi posesorii de autovehicule sunt obliga\u021bi s\u0103 \u00eencheie o asigurarea de r\u0103spundere civil\u0103. Exist\u0103 obligativitatea \u00eencheierii unei asigur\u0103ri, precum \u00een cazul asigur\u0103rii medicale. Asigurarea auto obligatorie acoper\u0103 v\u0103t\u0103m\u0103rile corporale (de exemplu prejudicii aduse s\u0103n\u0103t\u0103\u021bii) \u0219i daunele materiale produse de proprietarul autovehiculului. \u00cen aceast\u0103 situa\u021bie se asigur\u0103, de [&hellip;]","og_url":"https:\/\/ingermania.ro\/asigurarea-auto-in-germania\/","og_site_name":"InGermania","article_published_time":"2020-11-22T19:47:48+00:00","article_modified_time":"2020-11-22T19:48:46+00:00","og_image":[{"width":1000,"height":667,"url":"https:\/\/ingermania.ro\/wp-content\/uploads\/2020\/11\/Asigurarea-auto-\u00een-Germania.jpg","type":"image\/jpeg"}],"author":"InGermania","twitter_card":"summary_large_image","twitter_misc":{"Scris de":"InGermania","Timp estimat pentru citire":"7 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/ingermania.ro\/asigurarea-auto-in-germania\/","url":"https:\/\/ingermania.ro\/asigurarea-auto-in-germania\/","name":"Asigurarea auto \u00een Germania pas cu pas! - InGermania","isPartOf":{"@id":"https:\/\/ingermania.ro\/#website"},"datePublished":"2020-11-22T19:47:48+00:00","dateModified":"2020-11-22T19:48:46+00:00","author":{"@id":"https:\/\/ingermania.ro\/#\/schema\/person\/89dc7175f72a4621ebc8fd986df9a3fc"},"breadcrumb":{"@id":"https:\/\/ingermania.ro\/asigurarea-auto-in-germania\/#breadcrumb"},"inLanguage":"ro-RO","potentialAction":[{"@type":"ReadAction","target":["https:\/\/ingermania.ro\/asigurarea-auto-in-germania\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/ingermania.ro\/asigurarea-auto-in-germania\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Startseite","item":"https:\/\/ingermania.ro\/"},{"@type":"ListItem","position":2,"name":"Asigurarea auto \u00een Germania pas cu pas!"}]},{"@type":"WebSite","@id":"https:\/\/ingermania.ro\/#website","url":"https:\/\/ingermania.ro\/","name":"InGermania","description":"Pagin\u0103 pentru rom\u00e2nii din Germania!","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/ingermania.ro\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"ro-RO"},{"@type":"Person","@id":"https:\/\/ingermania.ro\/#\/schema\/person\/89dc7175f72a4621ebc8fd986df9a3fc","name":"InGermania","sameAs":["https:\/\/ingermania.ro"],"url":"https:\/\/ingermania.ro\/author\/ingermania\/"}]}},"_links":{"self":[{"href":"https:\/\/ingermania.ro\/wp-json\/wp\/v2\/posts\/599"}],"collection":[{"href":"https:\/\/ingermania.ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ingermania.ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ingermania.ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ingermania.ro\/wp-json\/wp\/v2\/comments?post=599"}],"version-history":[{"count":2,"href":"https:\/\/ingermania.ro\/wp-json\/wp\/v2\/posts\/599\/revisions"}],"predecessor-version":[{"id":614,"href":"https:\/\/ingermania.ro\/wp-json\/wp\/v2\/posts\/599\/revisions\/614"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ingermania.ro\/wp-json\/wp\/v2\/media\/613"}],"wp:attachment":[{"href":"https:\/\/ingermania.ro\/wp-json\/wp\/v2\/media?parent=599"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ingermania.ro\/wp-json\/wp\/v2\/categories?post=599"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ingermania.ro\/wp-json\/wp\/v2\/tags?post=599"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}