First class cover.

No. This is because insurance tax isn’t actually a general tax levied on commercial transactions. It therefore means you are required to pay the insurance tax together with the insurance premium.

A Special Drawing Right is a unit of account of the International Monetary Fund. It can be used as a means of payment. The SDR is calculated daily and based on four global currencies: US dollar, Euro, Yen and Pound Sterling. 1 SDR is currently worth about EUR 1.25.

According to Article 431 of the German Commercial Code (HGB), liability is limited to 8.33 SDR per kilogramme of the gross weight of the consignment. You can opt to increase this liability to 40 SDR. For example, 1 SDR is currently worth about EUR 1.25. 8.33 SDR x EUR 1.25 = EUR 10.41 per kilogramme. The liability applying to a 10 kg parcel is therefore EUR 104.10 (10 KG x EUR 10.41).

As an alternative to an excess of EUR 1,000.00, we offer an option of an excess EUR 500.00 for comprehensive insurance. However, we don’t recommend that you opt for this smaller excess.

We offer quarterly, six-monthly or annual payment terms. Monthly payments are only possible in combination with a SEPA direct debit mandate.

You don’t have to take out all of the insurance covers. If you already have some of the covers, for example, these can continue.

No, you don’t have to take out the insurance through Aon. However, thanks to our expertise, premium volume and relationships with insurers, we’re able to offer you competent, expert advice.

Depending on the claims experience, the premium may be adjusted upwards or downwards.

In your line of business, you carry goods for third parties. For this reason, when you take out motor insurance, you must make sure that your vehicle is covered under a “road haulage” plan.

The policies apply for one year. They are automatically renewed for another year unless you cancel them with the specified period of notice before their main renewal date (1 January). If you deregister your vehicle, the motor insurance automatically expires. The premiums you’ve already paid will be refunded to you pro rata.

A notice period of one month is agreed for motor insurance. A notice period of three months applies for other covers.

What to do in case of an accident? All infos here (link)

Yes, you can download it here.