Car Insurance products to suit You

As a forces insurance broker with nearly 60 years of experience, we know that customers have different insurance needs. So we offer a range of car insurance products to reflect every stage of Your life.

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Examples for motor insurance

Land Rover Discovery 3.0 Tdi; 2010 model; Insured & Spouse driving, 10 years protected no-claims-discount (NCD), Fully comprehensive, 300 € excess on own claims + 150 € excess on Fire, Theft and glass claims.

Only 57,20 € per month

Ford Focus 2.5 ST; 2009 model; Insured & Spouse driving, 10 years protected NCD, Fully comprehensive, 300 € excess on own claims + 150 € excess on Fire, Theft and glass claims.

Only 56,68 € per month

Audi A4 Avant 2,7 tdi; 2010; Insured & Spouse driving, 10 years protected NCD, Fully comprehensive, 300 € excess on own claims + 150 € excess on Fire, Theft and glass claims.

Only 48,51 € per month

Audi A4 1.8 Fsi; 2010 model; Insured & Spouse driving, 5 years protected NCD, Fully comprehensive, 300 € excess on own claims + 150 € excess on Fire, Theft and glass claims.

Only 74,38 € per month

Nissan Primera 1,6; 1996 model; Insured & Spouse driving, 8 years NCD, Third party only

Only 27,60 € per month

Peugeot 306 Diesel; 1998 model; Insured & Spouse driving, no NCD but 5 years driving experience; Third Party, Fire, Theft ans glass cover, 150 € excess on Fire, Theft and Glass claims

Only 51,73 € per month

Peugeot 206 Coupe; 2004 model; Insured & Spouse driving, 5 years protected NCD, Fully comprehensive, 300 € excess on own damage claims + 150 € excess on Fire, Theft ans Glass claims

Only 91,00 € per month

AXA FORCES MOTOR INSURANCE

AXA FORCES MOTOR INSURANCE is our special designed package, perfect for you and your partner. FORCES MOTOR gives you the flexibility to choose the features and benefits that are important to you.

Full Insurance or Fire & Theft only?
Second or third car discount ?
Protecting your hard earned no claims discount?
Legal Protection
Breakdown Insurance?

They're just a few of the optional extras you can choose and as you pay only for what's right for you, it's a really flexible policy. Come and see us in one of our offices and we will tell you all the secrets about motor insurance.

Did you know that...

...a fire or theft claim will not affect your no-claims bonus with the FORCES MOTOR INSURANCE policy.? ..you can temporary withdraw your insurance policy when you are on a operational tour?? So you don´t need to pay for your insurance while you are away.

Come and ask us for a free quote today in order to save money.

What Types Of Cover Are There?

There are three main types of cover: third party; third party fire and theft; and comprehensive.

Third Party:	This is the minimum cover the law allows you to have. In law you are the first party, the insurance company is the second party and the person who claims against your policy is the third party. Third party insurance covers you and anybody who is insured under your policy for legal responsibility. This means we pay damages for injury you cause to any person or damage you do to their property when using your vehicle.

Fire and Theft:	As well as third party cover your vehicle is also covered against fire, theft and/or attempted theft.

Comprehensive:	This gives you cover against loss of or damage to your vehicle that is caused accidentally or maliciously, as well as the cover you get from third party and third party fire and theft.

What Is A No Claim Discount?
A no claim discount or "no claims bonus" is where you receive a reduction in your premium after driving for over a year without claims. This may differ from company to company but usually builds up over a number of years.
i.e. AXA up to 10 years = Full discount = 70% discount.

Can I Drive Other Cars?
If you want to drive someone else's car, check that their insurance policy will cover you. Your own policy may include a "husband and spouse" or "open driving" extension.

Who Can Drive My Car?
Normally, only people named on your policy can drive your car. However, there are forms of open driving which will allow people to drive your car without being named on your certificate. With AXA you have the possibility to extent your cover temporary. (i.e. from "insured only driving" to "open driving" for 1 month for as little as 50€) If you are in any doubt check your certificate or contact us.

Where Will My Policy Allow Me to Drive?
You are covered when you drive in Germany . You can drive in all Western European and most Eastern European countries as your policy will provide the minimum cover required in the country you are visiting. A foreign court may however, award damages greater than the minimum cover. Therefore, we recommend that you extend your full policy cover to include the countries you are visiting. You will need to contact us before your journey so that cover is extended. Please contact us if you need any details or are not sure about anything.

How to reduce your premium?
here are a number of ways you may be able to reduce your car insurance premium:

If you have recently passed your driving test and now hold a full driving licence .
If you have Open Driving (drivers over 25 with full licence) consider restricting the cover to named drivers .
Consider restricting driving to yourself and your spouse only.
If your car is 5 years old or older you may wish to reduce cover from Comprehensive to Third Party Fire & Theft risks only.
If you use your car for business check with our head office as business use may be covered free of charge
If you had insurance before you came to Germany you should ask your previous insurer for a "no -claims - certificate" All german insurance companies will honor your hard earned NCD.
If your spouse does not have NCD in her/his own right,ask for a second car discount.
Whilst on "operational tour" and car is not being driven, just reduce your policy to own damage cover
If you have your first car with AXA Germany we offer second and third vehicle discounts with same no-claims-bonus for all three cars.(condition: no reported claims in 2009 )