Winter tyres were not a must when i left early this year, although you might want to consider them if your posted to the colder north. If your going somewhere like Elmpt or JHQ, the climate is no different to UK.
I went with AXA for insurance, which proved to be the cheapest quote. Have a chat with people when you arriva and shop around the normal firms to get the best deal. One thing i did find was that NAAFI were the most expensive of them all, but will insure just about anyone on anything.
Cheers mate, i tried NAAFI and they wanted 2 1/2 times what iam paying now. Like u said i will probably have to ask when iam there. Thought Germany was land of LOA and luxury, but everone wants more money for everything, (Headlights, tyres, insurace, breackdown cover) so i will probably just come out even. OK iam starting to sound like a victor meldrew, Cheers for help mate
use any independent broker as most of them will use axa (germany) which is different to axa uk or other alternative if one of the many companies in 6th sense a few of uk ones will also cover you in uk so no need for new policy to register car if going back to uk og and naafi are used by most because they are in camp and easy to access but tend to charge higher premiums mine was almost twice as much at og than it is with a independant broker even tough cover is with same company (axa)
pm me if want any numbers
We are currently working to improve the pricing of our Car Insurance in Germany without reducing the cover, and hope to announce lower premiums in the near future.
When you are looking for a new policy, of course the cost of your insurance is important â nobody wants to pay more than they have to! But it is very important to find out exactly what you get for your money. There are a number of issues to consider when looking at European cover:
*Always look at the excesses in your policy â if you do need to claim, you wonât want to have to pay out large sums for repairs.
*Check whether the policy will cover you fully across Europe â very often the cover will vary between countries, which could mean that the company wonât pay out in certain circumstances.
*If you arrange a policy with a Germany-based company, they will require you to have a German bank account. This may not be convenient when you have just arrived and need to insure your vehicle quickly.
*Some German companies will charge you for the covernote that you need when returning to the UK to register your vehicle.
Consider some of the advantages that a specialist company such as NAAFI Financial can offer:
*Pan European cover â we will keep the same level of cover throughout Europe.
*NEW! When you return to the UK we can arrange your cover hassle-free, finding the cheapest quote for you from our panel of insurers, and providing your covernote free of charge.
*Premiums collected from your UK bank account, so you donât need to set up a separate account abroad. Alternatively, pay by credit / debit card or cheque.
*NEW! Lower premiums if you have full No Claims Discount, and the ability to protect this for the future.
*Third-party liability cover including Vermogensschaden (contingent losses).
*If your new tax-free vehicle (less than 1 year) is stolen, or is involved in an accident and suffers damage of at least 60% of its value, we will provide you with a brand new replacement vehicle.
Find out more on 00800 11 22 33 01 free from the UK and Germany, or +44 (0) 1622 608 991 from the rest of the world.
[hr] NAAFI Financial is a trading style of Close Brothers Military Services Limited in the UK and NAAFI in Germany and Cyprus. Both companies are appointed representatives for general insurance only, of Close Brothers Limited. Close Brothers Limited is authorised and regulated by the Financial Services Authority. Close Brothers Military Services Limited is registered in England No. 3302028. Registered office: Britannia Suite, Old Sarum Park, Salisbury, SP4 6ES. 1227.5
Went though Forces Direct, which was 430 quid against NAAFIs 680. Foun when they sent the documents that it's a Groupama policy arranged in UK by TF Insurances. Next year I'll try TF myslef and save on the commission, or see if O'Girke's/Axa is any better.
The same applies in NI. NAAFI FS quoted me Â£1900 for my car, against Â£360 on mainland (Admiral) and Â£660 from Endsleigh, who now have my business. My spy at NU tells me that they always quote high for the car I drive (Fiat Coupe 20VT), but was amazed at the price.
I suspect that Norwich Union doen't really want the business, so quotes high. The sooner NAAFI FS get a panel of insurers the better.
Agree with Viro, my 5 year old Peugeot 306 Diesel was quoted in NI by NAAFI at Â£1200!! and that was for living in camp, but the lady said "With the Central London allowance you can claim this comes down to only Â£900. How would you like to pay?". I decided that the local company that quoted me Â£390 (Which was cheaper than my GB address) would get my business.
I think the main reason people go with NAAFI for their insurance is because of the hassle factor. In Germany most soldiers don't speak German and are put off with going to a German company because of this and go for the easier more expensive option of their local NAAFI. Here in NI soldiers are probably a bit paranoid with going local because "My English accent might give me away" bollox.
It's because the only insurer used by NAAFI FS (owned by Close Brothers), is NU. It is NU who are charging the silly prices - because they can. Although the intermediary will usually get a percentage-based commission, uncompetitive prices are unlikely to be profitable.
Putting aside NAAFI's pre-Close Bros unsavoury past, look at what they are trying to achieve:
- an underwriter who will quote for all their customers, in several countries, many of whom are inexperienced drivers with powerful cars
- an insurer who has arrangements in place for damage assessment and repair in several countries
- an insurer who can handle claims involving third parties from several countries
- an insurer whose quotation system can take into account things which only affect the military e.g. cars kept on camp
- an insurer who will quote for NI, which many insurers won't touch at all
- an insurer prepared to issue Green Cards, not required by law, but still needed by military registration authorities for some reason
- an insurer who can offer cover which conforms to BFGVLO's requirements
- an insurer who will offer a good standard of cover and reasonable excesses
- an insurer who can do all of the above and keep premiums to a minimum
Young soldiers with the type of cars often bought in BFG are a bad risk - in UK they may have to go to a specialist insurer. The claims experience from them affects the rates charged to everyone else. Claims involving overseas can be very complex - the claims handler has to understand the local law, documents need to be translated and so on. They can use local agents but this will cost more. In NI, the most minor bump is likely to produce a huge (and spurious) personal injury claim - it is this rather than the risk of carjacking or theft that pushes premiums up - and claims will therefore be more complex to deal with.
Ideally, NAAFI FS need several insurers so that there is some choice, but I imagine finding them will be very difficult. I suspect that it would be better to have a few who will insure for BFG, a few for NI, and so on, rather than expecting one underwriter to cover all eventualities. These are certainly in the market place, and NAAFI FS could have a crucial role in ensuring that when a policyholder is posted, they get a seamless transition if policies have to be changed, or in suggesting laid-up policies when people are deployed, for example, and ensuring that insurers understand something about customer's circumstances. For example, some insurers recognise that cars kept on camp are unlikely to be stolen or broken into; some have 'military base' as an option in their quote system. On the other hand, most will gove the option of garage, driveway or street, and then use the postcode to look at the risk, which will often produce misleading stats and cost us more.
So, I don't think NAAFI FS/Close Bros are out to particularly rip people off, but they have a lot to do to claw back credibility.
As Divermedic points out, it's the hassle factor that keeps NAAFI's car insurance going. If they offered competitive premiums as well, they'd be onto a winner!
Another point to remember when insuring your car with NAAFI is that Norwich Union goes on driving experience and not No Claims. I am having huge probs sorting insurance out and proving no claims even though I am accident free since 1988. Also be wary of kit insurance. I was paying 38 quid a month for kit insurance. Just moved into my new house in the shot and Tesco are doing contents AND building insurance for literally half that ! The only thing that is good about NAAFI is that they get used in LOA calculations !
According to German TV, Winter tyres are going to become compulsary,this winter;The proposed fine is 20 euros,but if you get stuck somewhere,itÂ´s 40 euros.
Under +7 deg.cent,summer tyres lose drastically on grip,and the first thing the polizei check after an accident is the tyres;you can also lose your Â´full compÂ´cover,especially if they(the ins.company) can prove negligence,ie driving in a snow blizzard regardless of conseqences.
If like many servicemen who are often away on postings,and donÂ´t clock up huge mileage etc,try using M+S tyres,the softer rubber makes them a comfortable drive,and can be used in all conditions.I have them fitted on my taxi here in Garmisch.
The Bl&&dy krauts have just done an about turn!--there will be NO general WinterTyre Law,the new fines will be introduced in May 2006,
however,donÂ´t drive down here in the South without winter or M+S tyres;only motorways are cleared at night-very effectively-but to save money they start clearing the town roads after 05.00uhr,and are not allowed to use salt on B or side roads.
At the risk of repeating earlier postings - and the informed words of ViroBono - as a specialist insurer for the military we are always looking at ways to improve the price of our Car Insurance.
As a result, as previously mentioned on this site, we have introduced a panel-based proposition for the UK. When you get a quote with us for UK insurance we will check all our providers but we only present the cheapest quote to you. In addition we now have two underwriters for NI, and hope to be able to announce lower premiums for Germany in the near future.
Good quality, affordable insurance is NAAFI Financialâs paramount aim in our endeavour to provide a good efficient service to the forces, and we will continue to look at the cost of insurance in higher risk overseas areas, without reducing the cover.
NAAFI Financial is a trading style of Close Brothers Military Services Limited in the UK and NAAFI in Germany and Cyprus. Both companies are appointed representative for general insurance only, of Close Brothers Limited. Close Brothers Limited is authorised and regulated by the Financial Services Authority. Close Brothers Military Services Limited is registered in England No. 3302028.