What does two in cars mean?

Second car & Co: Insure several vehicles cheaply

The second car regulation is intended to offer the opportunity to insure a second car cheaply. Both vehicles are combined in a joint policy from the same provider.

General information on the second car regulation

The idea behind it is simple: the newly registered vehicle would normally fall into no-claims class 0, which means that the contribution rate would be around 100 percent. Insuring the second vehicle would therefore be an expensive proposition. This is why providers usually grant a cheaper no-claims discount for the second car, which is usually ½ with an inexpensive SF class.

No claims classes

Those who drive accident-free for a longer period of time will be rewarded by their insurance with a no-claims discount and a higher no-claims class. At the beginning of each year, the course of damage is examined - if no accident was caused in the past year, move up in the class. The longer you drive accident-free, the higher your no-claims class and the cheaper your car insurance will be.

If you are insuring a vehicle for the first time but are no longer a novice driver, you will usually be classified in SF ½. In this you will not receive a discount, instead the insurer will add a percentage surcharge to the normal premium. The SF system is used for both liability and fully comprehensive insurance, but not for partial comprehensive insurance - this is damage that you did not cause yourself and for which you may not be downgraded.

Classification of the second car

If you insure your second car with the same provider, you will usually receive a classification in SF class ½, but higher classifications are also possible. The no-claims class of your first car plays an important role in the classification - if it is in a high no-claims class, depending on the insurer, your second car will also be classified higher from the start of the insurance.

There are no legal requirements for special classifications, the decisive factors for benefits beyond the standard regulation depend on the conditions of the individual insurance company. How high the savings potential ultimately turns out depends heavily on the respective conditions of the insurer. However, it often pays to make use of the second car regulation. Ultimately, it depends on the individual case - individual insurance can also be worthwhile.

Register a second car with the same insurance company

In order for you to be able to insure your second car with the same provider as your first car, certain requirements must be met. That your second car is classified in the same way as your already insured vehicle is only rarely possible and subject to conditions. Both vehicles must be registered for the same policyholder and only this person is allowed to drive the vehicle.

Most insurers only offer vehicle insurance for the second car if, for example, these requirements are met:

  • The vehicle user must not be less than a specified minimum age of, for example, 25 years
  • The first vehicle must be classified in SF2 or even higher
  • The first vehicle must be insured with the same provider or
  • There must be further contracts with this provider

Before you take out the insurance, you should clarify with the provider what requirements apply to him. In general, the term second car is understood to mean a vehicle that is registered for the same owner or his spouse as an already insured first car.

Generally it is not necessary that the holder and the policyholder be identical. Also, it usually doesn't matter who drives the car, as long as the driver has insurance. However, many insurers offer more favorable conditions if the car is only used by the spouse or registered partner.

So it is usually easier to get a discount and have the second vehicle classified in the same no-claims class if both vehicle owners are in a relationship.

Don't neglect the disadvantages

At first glance, a second car insurance with the same provider offers some financial advantages. But you should also consider the disadvantages that can be associated with various regulations:

  • Make sure that the contracts are linked
    It is possible that the two contracts are linked in such a way that you lose the discount on your first car if you have a claim with the second car. Thus, both vehicles are downgraded in the no-claims class. This coupling is not worthwhile, especially in the case of temporary admission, for example for your child. In addition, the risk of accidents for novice drivers is significantly higher. If you forego the coupling, the contributions will be higher in return.
  • Second car is negotiated like a new contract
    It is quite possible that your insurer will negotiate contracts for a second car like a new contract and therefore will not offer any discounts if you insure another car with this company. Here it is worthwhile to compare other insurance companies and to negotiate with the new contract partner!

Register a second car with a new insurance company

Sometimes it can be cheaper to insure the second car with a completely different provider. Intensive research, price comparisons and skilful negotiations with the new insurer can ensure that your second car can be insured on favorable terms.

The decisive factor for a low tariff is that your second car is not classified in the expensive SF class 0 by the new provider. So there can be a number of advantages to looking for a new insurer:

  • Same discount as for the first car
    Contracts can be negotiated freely and there is great competition among insurance companies. There is therefore a chance that you will actually get more favorable terms from a new provider. It is quite possible that you will even get the same discount as you get for your first car with the other insurance company.
  • New customer offers
    In addition, companies attract with attractive offers for new customers. Here it is worthwhile to carry out a comparison of the car insurance in order to find the best offers.

Claims history and change of second car insurance

If you would like to take out a second car insurance with a new provider due to a poor claim history of your first car, this is generally not worthwhile. Insurance companies can use the information system of the insurance industry (HIS) to find out about all of their insurance data.

Alternatives to the second car regulation

In addition to the second car regulation, there are other alternatives for optimally protecting first and second cars. For example, the partner regulation, the change number plate and the fleet insurance are possible.

The partner regulation

The partner regulation is an alternative for life partners and married couples. In order for the regulation to come into force, the following requirements must be met:

  • The partners must be married or live in a domestic community.
  • The first vehicle must be classified at least in damage-free class 2.
  • Both vehicles must be insured with the same insurance company.

If these requirements are met, the spouse's vehicle can be classified in the same SF class as the first vehicle. However, you should weigh the pros and cons before making a decision.

Discounts for the first vehicle will be creditedInsurance with the same provider
Placement in the same SF class as partnerNo discounts for garage, mileage, etc.
Only owners and partners are allowed to drive the vehicle

Make sure that with this regulation you do not stumble into a premium trap that will ultimately turn out to be more expensive for you. You should therefore take a closer look at the individual tariffs and compare the various providers with one another.

The change number

The change number plate is a "slimmed-down" version of the second car regulation. You can only use one license plate for a maximum of vehicles. The advantage is that the tax and insurance contributions are only paid for the most expensive car in this combination. However, the following rules must be observed:

  1. All vehicles registered using a license plate may not only be driven at the same time.
  2. The license plate is only valid for motorcycles (class L), trailers (class O1) and the EC vehicle class M1 - these are conventional cars and mobile homes with a maximum of eight seats.
  3. Both vehicles must come from the same vehicle class and have the same license plate size.

This variant was introduced in Switzerland and Austria a few years ago - since July 1st, 2012, car owners in Germany have also been able to use it. If you are thinking about purchasing a variable number plate, you should consider the following aspects:

  • When calculating the insurance discounts, consider the cost of the new license plate and the registration fee. The discount may not pay off for you, as these are extremely low with some insurance companies.
  • Please note that you can only drive one vehicle that has been protected by the license plate. For this reason, it is often not worthwhile to insure the vehicle of your spouse or children.
  • On the other hand, it is worthwhile to protect a vehicle that is only used for a certain period of time - for example, the mobile home or the classic car, which is only used in spring and summer.
  • The stationary vehicle may only be parked in a private parking space. It is only insured by comprehensive insurance on private property.

An inexpensive alternative to this is, for example, the seasonal license plate if you want to insure your motorhome, motorcycle or classic car. Depending on the type of vehicle and the insurance chosen, two individual insurances can also be more useful.

The fleet insurance or family insurance

Since October 2010, not only companies and the self-employed have been able to benefit from fleet insurance, but families too. All vehicles in a single household can be insured through an insurance company - this means that the same contact person is available for every family member. Nevertheless, each member has their own policy, an SF class adapted to the individual car, and pays their own contribution.

The advantages and disadvantages are as follows:

The more vehicles insured, the greater the savingsParents must agree to take out family insurance
All policies with a common contact personOften the SF class of the insured vehicle cannot be transferred to a new policy
Each family member has its own car insurance policy

However, this insurance only applies to family members who live in a household. In addition, children who are studying or training and therefore have their own place of residence can be included.

Second car: benefit as a novice driver

For novice drivers, taking out car insurance is usually extremely expensive because they have little driving experience. With the second car regulation, however, you can save costs - here the child's vehicle is registered with the parents as a second car.

However, in order for novice drivers to be able to use the second car regulation, the following requirements must be met:

  • The vehicle is registered in the name of the parents or grandparents
  • There must be a first degree kinship between the child and his or her guardian
  • In most cases, the parents' vehicle must be registered with the same insurance company
  • The SF class is often required for the parents' vehicle

The advantage here is that the novice driver's vehicle is insured in a significantly more favorable no-claims class, since the insurance is provided by an experienced driver - the vehicles are usually classified in at least SF ½. A number of insurance companies even insure the second car in the same SF class as the first car, which usually saves more than half of the costs.

In our separate guide, we explain further tips for novice drivers when it comes to car insurance.

Conclusion: how can you save?

The second car regulation is particularly worthwhile for young drivers. Since they usually have to pay overpriced car insurance premiums due to the lack of experience, insuring the vehicle as a second car often offers immense savings. However, this requires that all requirements are met - for example, the vehicle usually has to be registered with the same insurer as the first vehicle.

But not only novice drivers can save with the second car regulation - if you pay attention to a few aspects, there are also savings for drivers with a lot of driving experience:

  • The SF class of the first car
    Usually this affects the classification of the second car. A cheap SF class is therefore always advantageous.
  • Registration of the vehicle
    There are savings, especially for novice drivers, if their car is registered to their parents or grandparents.
  • Register a second car with a new insurance company
    It is often worthwhile to register the second car with a new insurance company. Because of the competition and competition, you often get away cheaper.

Also, remember to make a comparison before registering the second car so that you can get to know the individual providers and their tariffs better. This may offer you further opportunities to save!