Gothaer car insurance test and evaluation of experiences

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The Cologne insurance companies offer multiple award-winning insurance coverage when it comes to car insurance. At the same time, the renowned car insurance company of the rating agency Franke & Bornberg has the highest rating of “FFF”. The test magazine ServiceValue also tests the price-performance ratio and rates Gothaer Versicherung with a good rating. Stiftung Warentest primarily focuses on the contribution level on the test program.
With a change of insurance drivers can save several hundred euros a year, according to experts. Where not only the price is right, but also convince the achievements, you can find out with our comparison.

Gothaer in 16th place in the N24 ranking of the best motor insurance

  • 1 Europe 83.9% 2.07 | Well
  • 2 DEVK 83.5% 2.10 | Well
  • 3 HUK-Coburg 82.6% 2.16 | Well
  • 4 wgv-himmelblau.de 81,6% 2,23 | Well
  • 5 Sparkassen DirektVersicherung 81,4% 2,24 | Well
  • 6 CosmosDirect 79.4% 2.37 | Well
  • 7 AllSecur 78.3% 2.45 | Well
  • 8 Ergo Direct 77.9% 2.47 | Well
  • 9 Itzehoer 77.5% 2.50 | Well
  • 10 HUK24 77.4% 2.51 | satisfying
  • 11 wgv 77.1% 2.53 | satisfying
  • 12 DA Direct 77.0% 2.53 | satisfying
  • 13 Asstel 76.2% 2.59 | satisfying
  • 14 Axa 75.8% 2.61 | satisfying
  • 15 HDI 75.1% 2.66 | satisfying
  • 16 Gothaer 75.0% 2.66 | satisfying
  • 17 BavariaDirect 75.0% 2.67 | satisfying
  • 18 VHV 74.8% 2.68 | satisfying
  • 19 Europe-go 74.7% 2.69 | satisfying
  • 20 R + V24 71.5% 2.90 | satisfying
  • 21 Direct Line 71.5% 2.90 | satisfying
  • 22 Allianz 70.9% 2.94 | satisfying
  • 23 AdmiralDirect 70.6% 2.96 | satisfying
  • 24 R + V 70.0% 3.00 | satisfying
  • 25 Concordia 67.5% 3.16 | satisfying

DISQ TESTS THE KZF INSURANCE

The German Institute for Service Quality regularly tests the terms of car insurance on the market. This is a cooperation with the television station NTV. Although the insurance is not self-tested, there is a survey among drivers. A maximum of 100 possible test points will be awarded. The car insurance of Gothaer was awarded a good test rating and can achieve the ninth overall rank. Clear test winner of the investigation is the DEVK insurance.

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THE EVALUATION IN THE CUSTOMER TEST OF CAR DRIVERS

The most popular car INSURANCE in the car insurance test of the customers are:

  1. Test Rank 01: DEVK 83.7 very good
  2. Test rank 02: HUK-Coburg 81.0 very good
  3. Test Rank 03: ADAC 77.7 good
  4. Test rank 04: Württembergische 77.0 good
  5. Test rank 05: Zurich 74.1 good
  6. Test Rank 06: R + V 73.6 good
  7. Test Rank 07: Kravag Insurance 72.5 good
  8. Test Rank 08: Debeka 71.9 good
  9. Test Rank 09: Gothaer 71.9 good
  10. Test Rank 10: SV Sparkassen Insurance 71.3 good

With very good test grades, DEVK Autoversicherung and HUK-COBURG KFZ Versicherung can prevail in the test. Other providers can be found at https://www.kfzversicherungen-testsieger.de/news/ .

THE RATES OF GOTHAER KKZ INSURANCE IN COMPARISON TEST

The Cologne Insurance Company provides the insured with a total of three tariffs. In addition to the classic liability insurance, even more comprehensive insurance services in the area of ​​partial and full insurance are provided. Among other things, the cost of a rental car will be refunded. The liability covers with a sum insured of up to 100 million euros. The most chosen tariff of the Gothaer branch insurance is the liability insurance plus partial comprehensive insurance.

LIABILITY INSURANCE PLUS VOLLKASKO AT THE FOUNDATION WARENTEST

The testers of the consumer magazine Stiftung Warentest test the conditions of car insurers and place value first on the level of the contributions. The conditions of the following insurance types are tested:

  • Liability insurance
  • CDW
  • Comprehensive insurance

So there are a total of three test customers in the financial test. The costs for a 20, 40 and 70 year old car driver are tested. The Gothaer car insurance can perform in the test area car insurance plus comprehensive insurance with an average test level.

TOP EVALUATION AT FOCUS MONEY AND FRANKE & BORNBERG

When it comes to the testing of insurance rates, then very rarely leads a way past the test magazine Focus Money. The test is carried out in close cooperation with the experts of the rating agency Franke & Bornberg. Thus, the quality of the company is awarded the best test grade. There is the quality rating of “FFF”. A better test result can not exist in the insurance test.

 

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German Consumer Studies Society tests household contents insurance

  • 1 Axa 84.1% 2.1 | Well
  • 2 HUK-Coburg 83.3% 2.1 | Well
  • 3 VHV 82.6% 2.2 | Well
  • 4 HDI 81.7% 2.2 | Well
  • 5 DEVK 81.7% 2.2 | Well
  • 6 Gothaer 81.3% 2.2 | Well
  • 7 Ergo 76.0% 2.6 | Satisfying
  • 8 Westphalian provincial 72.9% 2.8 | Satisfying
  • 9 Debeka 63.7% 3.4 | Satisfying

ADDITIONAL BLOCKS IN TEST COMPARISON OF SERVICES

In addition to the conventional contract, insurance customers can agree on additional additional modules. The insurance association from Cologne offers the following options:

  • Top Protection
  • Workshop service
  • driver protection
  • GAP coverage

The GAP cover covers any gaps in the sum insured. If it is a total loss and the insurer does not pay out the full compensation, then the GAP cover covers the balance. Thus, the insurer can offer a good additional option.

COMPREHENSIVE SERVICES IN FULL-KASKO INSURANCE

Who puts on the top protection in the area of ​​the comprehensive insurance, can use the following services:

  1. Personal, property and pecuniary losses of up to € 100 million on a flat-rate basis
  2. Theft; Accidents, vandalism
  3. Gross negligence; Forces of nature; Fire and explosion
  4. Glass breakage and windshield repair, collision with wild deer, horses, cattle,
  5. Sheep and goats, marten bite and short circuit on the wiring
  6. Co-insured vehicle accessories and electronics package, replacement value, waiver of deduction
  7. Discount saver, Mallorca cover and protection letter

Thus, insurance customers are comprehensively protected and can receive insurance cover of up to 100 million euros. You can always get current test results and testimonials from car insurance test winners .

Services in the event of an accident or breakdown are:

  • Breakdown and accident assistance and overnight
  • Continue or return by public transport or rental car
  • Spare parts shipment, vehicle registration
  • Towing and recovery costs, vehicle return transport
  • Return trip replacement driver in the event of a driver failure
  • Repatriation

TEST FACTS OF THE CAR INSURANCE OF THE COLLECTIVE SUPPLIER

The Gothaer motor insurance convinced with very good performance and high customer satisfaction. However, the experts of the Stiftung Warentest have only been able to give mediocre evaluations in the area of ​​the contribution level. This seems to be a comparatively more cost-intensive insurance cover, but the services are convincing.