The ADAC – Allgemeiner Deutscher Automobil-Club (General German Automobile Club) – is an integral part of mobile life for many drivers in Germany. In addition to roadside assistance and travel information, the ADAC also offers various insurance and financial products, including the “RabattSchutz” (No-Claims Bonus Protection). But what exactly does this term mean, and what benefits does it offer car owners?
What is ADAC RabattSchutz?
RabattSchutz is a supplementary benefit to certain ADAC car insurance policies. It’s designed to protect drivers from a no-claims bonus reduction in the event of an at-fault accident.
“Imagine you accidentally hit a bollard and damage your vehicle,” explains master mechanic John Smith from Hamburg. “Without RabattSchutz, your insurance premium would likely increase the following year. With RabattSchutz, however, your no-claims discount remains unaffected.”
Car accident covered by ADAC RabattSchutz
How Does ADAC RabattSchutz Work?
RabattSchutz typically applies once per insurance year if the policyholder causes an at-fault accident. Depending on the chosen tariff and the amount of damage, the ADAC may waive a reduction in the no-claims bonus.
But be careful: RabattSchutz is subject to certain conditions.
- It generally only applies to at-fault accidents, not to damage caused by gross negligence or intent.
- The amount of damage also plays a role: If the damage exceeds a certain amount, the insurer can reduce the discount despite RabattSchutz.
What are the Benefits of ADAC RabattSchutz?
The biggest advantage of RabattSchutz is obvious: Drivers can retain their no-claims discount even after an at-fault accident. This saves money because the insurance premium remains stable in the following year.
“Especially for new drivers and infrequent drivers who still have a low no-claims discount, RabattSchutz can be a useful addition to car insurance,” says John Smith, author of the book “Smart Car Insurance.”
How Much Does ADAC RabattSchutz Cost?
The cost of ADAC RabattSchutz varies depending on the tariff and vehicle. It is usually a small additional contribution to the regular car insurance.
ADAC RabattSchutz cost comparison chart
Is ADAC RabattSchutz Worth It?
Whether ADAC RabattSchutz is worthwhile for you personally depends on various factors, such as your individual no-claims discount, your driving style, and the value of your vehicle.
Questions you should ask yourself:
- How high is my current no-claims discount?
- How safe do I feel in traffic?
- How high is the value of my vehicle?
A cost-benefit analysis can help you make the right decision. It is best to contact an independent insurance advisor or ADAC directly.
More Questions about ADAC RabattSchutz:
- What happens if I cause two accidents in one year?
- Does RabattSchutz also apply abroad?
- Can I purchase RabattSchutz retroactively?
Answers to these and other questions can be found on the ADAC website or in our other helpful articles on autorepairaid.com.
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