Frequently Asked Questions

You have only one set of No Claims Discount but are thinking of purchasing a second or third vehicle?
Not a problem! Axa will cover your second or third starting you on 50% non- protected or 60% protected rate, if your current policy fulfils the following aspects.

You have two cars already & wish to insure a third? Also not a problem!!!

Presuming your policies comply with the above- mentioned conditions Axa will grant you fictive two years No Claims, starting your policy with 80% instead of 125%.

Please always look-out for Axa's Special Deals - momentarily e.g. called HOT DEAL and valid up to 31.12.09.

A UK cover note is needed solely for registration purposes in the UK and is not issued to cover your BFG registered vehicle, whilst outside Germany!

On posting to the UK there is no need to purchase a UK cover note,
as your new insurer will issue you one for free!

Please call one of the following telephone numbers to arrange a UK cover note for registration purposes only! The admin charge for this certificate is 30€.

It is also advisable to have your chassis no., UK address & postal address at hand so we can assure a swift and worry- free delivery. Thank you!

FIRST CALL THE POLICE- THEN US!!!... or alternatively call your insurer using the 24h Helpline number, to be found on the back of your policy document. It does not matter if you are to blame or not- please always call the police, as leaving the scene is a serious offence in Germany, which if not taken seriously could jeopardise your insurance cover! Afterwards we can still assist you with all matters and help make an unpleasant incident as carefree as possible.

You need your windscreen replaced then please read the following.

A claim for a broken windscreen will not affect you No Claims entitlement, as it is classed as a Partial Risk
just like Theft or Fire. Please always bear in mind that if the windscreen can be fixed instead of replaced, the insurer will reimburse all your costs without you having to pay an excess. In addition, a repair is always better than a replacement, as e.g. when breaking the sealing the internal space with never be 100% sealed again!

We understand you might be sent on operational tour and will not be able to use your vehicle(s).Why then pay for insurance? There is no reason and we also support your opinion.
For this reason we have introduced a Temporary Withdrawal form for you return to us signed & stamped by your unit, hence confirming the secure holding of your car key(s). During this time, the car may not be driven by anyone and should be kept on a secure compound or in your locked garage. Only then will we freeze your payments however grant you Fire & Theft cover free of charge!

Alternatively, due to incidents in the past, you can also decide to pay just the Fully Comprehensive portion of your insurance, keeping your 'Own Damage' cover, in the event of any chassis damages.

Please either contact one of our offices or use the "Temporary Withdrawal Reinstatement" form, which you may find on our download page.

So long as you keep your BFG plates on the vehicle, you will be fine. However, please be aware that your stay is not allowed to exceed the expiry date stated on our
Green Card!

To change your vehicle on your policy, we require at least the make, model and chassis number.
The registration number is not necessary, as we insure every vehicle on it's chassis number only!
For a swift and 100% correct change of vehicle it is advisable to know the bhp and the engine size! On completion, we will send all the paperwork for registration purposes to any address you wish.

We, i.e. Culpeck Insurance Broker, are only responsible for the first payment. When you wish this to take place, is entirely your decision, yet goes without saying that it needs to be within a reasonable time-frame. Axa however, will debit your account at the beginning of every month if not advised differently. You also have the option of the 17/18 or the 24/25.

There is a rebate of 5% for paying annually or 3% for paying semi-annually in comparison to quarterly or monthly.

If necessary you may sign your No Claims Discount over to your husband or wife, taking into consideration that the recipient has a valid driving licence for at least the years you wish to transfer.

With protected No Claims Discount, you are allowed 2 claims/ seperate incidents within a time period of 3 years without these affecting your NCD. This protection will additionally cost you an approx. 10% and eventhough protected, in the event of an incident no loyality discount will be granted (Axa will give you an extra 5% discount for when you pass a January claim free- up to a max. of 10%!).
Our protection option allows you to keep your full entitlement.

Axa is one of the biggest insurance companies worldwide and has more than 50 million customers. To cover all five continents, it has placed agencies and independant branches in more than 60 countries. Axa UK and Axa Germany are seperate companies and therefore have different Rules & Regulations. In your case, Axa UK are not authorized to insure NATO personnel, who register their vehicles with British Forces Germany.

Axa A.G. is a German insurance company, based on German insurance laws. With our motor insurance you will receive an extra year discount, everytime you pass a January. However, if the inception date of your policy is after 1st July and you have zero No Claims Discount, but have held a driving licence for more than three years, you will gain one year discount on the comprehensive part of your insurance- NOT ON THE LIABILITY SECTION. In this case, you will have to pass two Januarys to gain one full year!

We can arrange motor insurance, breakdown & legal cover for any vehicle via
an alternative German insurance company for all NATO personnel living in the Netherlands with a BFPO or NATO address only!
The conditions are exactly the same as If you were situated in Germany!
You will only ever have to seek Dutch insurance, if the risk to be covered is registered by the Dutch authorities e.g. house contents insurance for a property within the Dutch community.

A No Claims Bonus certificate expires seven years after it's cancellation date.

No, unfortunately not. The BFG regulations state that the vehicle needs to be registered within one month after the inception of a BFG/NATO policy.

Simple question- simple answer!
The rental car company's insurance. Beware though- always check the excesses before signing a contract!

Only if you have specifically asked for an Open Driver policy. Otherwise just the people named on the policy are covered to drive your car!

We sure can!
Please use the following link, which will take you to our download page. Here you will find three different Axa Terms & Conditions. Please choose the one matching the inception date of your contract. This document is in both English and German. >>>click here<<<

Insurance is offered for the whole of Europe, using a Green Card. The cover abroad is exactly the same as if you were here in BFG. The duration is limited to the period your green card states.

There are no rules or regulations with any German insurance company that can force an insured to fit winter tyres! In the event of an incident your insurer will never refuse to settle your claim due to not fixing the appropriate rubber.

However the German legislator has decreed that starting 1st May 2006 vehicles have to be equipped with suitable tyres depending on the meteorological conditions. This simply means that in the event of snow
and/ or ice, so called winter- or all-season tyres have to be fitted. Theses can be identified by the ‘M+S’ or snowflake symbol- stamped on on the side of every tyre. Because the new rule does not specifically dictate winter tyres, motorists in areas without regular onsets of winter can travel using other kinds or rubber, but with sufficient tread of course. However, should it surprisingly snow and/or be icy the motorists will have to abandon their vehicles if they do not want to take the risk of being penalized! Anyone who decides to continue their journey- when caught- will be fine 20€ on the spot. Worse even if you are become a hindrance (break down, accident, situational traffic hold-up). In this case you will be fine 40€ and in addition will receive a one point penalty on your driving licence!

A piece of advice:

For better grip and road safety, winter tyres should be fitted when driving in certain areas where the temperatures often fall below seven degrees Celsius.

The vehicle registration process in BFG is as follows: >>>click here<<<

German insurance companies calculate the premiums by splitting their cover into 3 separate categories.

In this case, as no one is involved the claim will only affect the comprehensive part of the insurance. On renewal he/she will lose two years entitlement and evidently will only have an premium increase (30%) on the comprehensive part!

If an insurance contract is not considered accident-free in accordance with the tariff regulations, it will be downgraded (this does not apply to contracts with protected NCD) in the calendar year following the claim notification or in the case that damage has been reported and the relevant claim settlement is paid in the following calendar year, then this implies that the insurance contract is not considered to be accident free for the year in which the claim settlement was paid or a reserve fund set up.

The amount of years your No Claims will be affected by can be read from the tables below.

Yes, we have two different kinds of cover.

If you wish to have the classic English All Risks- House Hold & Kit Insurance including
Accidental Damage, Transit, Liability, etc... then we can offer the English ARMY PLAN (not just for Army, but all affiliated associations). Insurance premiums are calculated on the number of bedrooms you have.

However, if you feel that you should feel comfortable with the main aspects of insurance, these being fire, theft, burst water pipes, storm and any other natural forces, then we have a much more affordable German option. Insurance premiums are calculated on the total estimated value of your contents in combination with your German postcode.

Our UK Freephone service has been set-up by Dt. Telekom in cooperation with British Telecom and Cable & Wireless.

Should you be using a different landline provider than the above-mentioned or try to reach us using the Orange mobile phone network we are sorry to say that this will not work until contractual agreements have be made between Dt. Telekom and these companies.