More and more people in Germany are opting for car insurance from Allianz Direct. But what does that actually mean for you, especially if you’re a passionate hobby mechanic like me? In this article, we’ll explore exactly that.
Mechanic in a car repair shop
Allianz Direct: A Brief Overview
Before we dive into the details, let’s start with the basics: Allianz Direct is part of the Allianz Group and offers insurance online. This means you can take out your car insurance from the comfort of your own home – without annoying paperwork or lengthy phone calls. Sounds good at first, right?
But as a hobby mechanic, some questions naturally arise: Can I still rely on the insurance if I carry out repairs myself? What benefits are covered? And what about the network garage clause?
Network Garage Clause and Free Choice of Workshop
One of the most important points for hobby mechanics is the network garage clause. Some insurance companies stipulate that you must visit a specific workshop in the event of damage. With Allianz Direct, however, you usually have a free choice of workshop! This means you can decide for yourself where your car is repaired – even in your own garage!
“Especially for experienced mechanics, the free choice of workshop is a decisive advantage,” says car expert Hans Meier in his book “Clever reparieren” (Repair Cleverly). “This allows them to use their knowledge and skills to save costs and at the same time ensure that their vehicle is in good hands.”
Benefits in Case of Damage
But what if you can’t or don’t want to lend a hand yourself? Even then, you are well covered with Allianz Direct. Depending on the tariff you choose, various benefits are available to you, for example:
- Third-party liability insurance: Covers damage that you cause to others with your vehicle.
- Partial comprehensive insurance: Protects you against the financial consequences of damage caused by theft, fire, glass breakage or natural disasters.
- Comprehensive insurance: Additionally offers protection against accidents caused by yourself and vandalism.
Car insurance claim benefits
Allianz Direct and No-Claims Bonus Protection
Another advantage that many hobby mechanics appreciate is the no-claims bonus protection. This ensures that your no-claims class is retained even if you have caused an accident. This can save you a lot of money in the long run!
Allianz Direct No-Claims Bonus Protection
Conclusion: Allianz Direct – Also a Good Choice for Hobby Mechanics?
In summary, Allianz Direct can also be an attractive option for hobby mechanics. The free choice of workshop and the optional no-claims bonus protection are strong arguments. However, before taking out insurance, you should always study the terms and conditions carefully and compare the different tariffs. This is the only way to guarantee that you will find the right protection for you and your vehicle.
Frequently Asked Questions about Allianz Direct Car Insurance
- Can I also pay my Allianz Direct car insurance monthly?
- What documents do I need to take out Allianz Direct car insurance?
- How can I cancel my Allianz Direct car insurance?
We would be happy to answer these and other questions on our website.
Our car experts are available around the clock.
