FAQ

GENERAL INQUIRIES

What are the terms and conditions of my Motor Vehicle Insurance?
In order to check your insurance coverage and to obtain further information, please consult the attached general conditions of insurance, which you would have received by email with your policy. Here you will find the General Terms and Conditions for: Liability (Underwriter Volkswohl Bund) (valid for contracts effective as per September 15th, 2022, or later) Liability (Underwriter Volkswohl Bund) (valid for contracts effective as per November 19th, 2018 until September 14th, 2022), excluding A A.2 Full Coverage (Underwriter Lloyd’s) (valid for contracts effective as per November 19th, 2018, or later) Liability and Full Coverage (Underwriter Volkswohl Bund) (valid for contracts effective before November 19th, 2018) Should you have to request an additional email copy of the general conditions, please order it through our Contact Form here.
What should I do if I deploy and my vehicle goes into government storage/temporary withdrawal or private storage?
GOVERNMENT STORAGE If you deploy and your vehicle goes into government storage/temporary withdrawal, you must provide us with a copy of your storage form/temporary withdrawal form. With this form, we will be able to suspend your policy for up to 18 months. However, please be aware NOT ALL Financing Companies (lien holders) will allow to suspend your policy while your car is in storage/temporary withdrawal. We recommend that you clarify this with your lien holder. In case your vehicle is financed, we also require written “permission to store” from the lien holder (including an official letter head). Once we receive these documents, MIRASCON Insurance Solutions can provide comprehensive loss coverage free of charge. PRIVATE STORAGE If you want to put your vehicle / motorcycle into private storage you must provide us with pictures of the vehicle being stored in a lockable garage. The license plates have to be turned in and the non-operational slip from vehicle registration has to be provided. In case your vehicle is financed, we also require written “permission to store” from the lien holder (including an official letter head). Once we receive these documents, MIRASCON Insurance Solutions can provide comprehensive loss coverage free of charge for up to 18 months.
Does my insurance cover me while my car/motorcycle is being shipped?
If your policy has been started as per September 15th, 2022, or later, the international transport of your insured vehicle between locations in the insured area (according to your International Insurance Card) and overseas territories including the USA is co-insured. The insurance cover is subsidiary, other existing covers take precedence over this cover. An excess of USD 250 is deemed to have been agreed. The marine insurance coverage is for vehicles registered in Germany only. If your policy has been started before September 15th, 2022, your insurance only covers your vehicle while it is registered in Germany. As soon as you ship your vehicle, this insurance is void. When you ship your vehicle, you should get covered with MARINE INSURANCE. Please get an affordable MIRASCON MARINE INSURANCE quote HERE!
I need proof of insurance to be sent to my Financing Company (lien holder). Where can I get this?
If you need proof of insurance to be sent to your Financing Company (lien holder), please send us a message with the subject line „proof of insurance“ through our contact form. Go to Contact Form here. >> Contact Us
Which type of coverage is mandatory for vehicle insurance in Germany?
Legal Liability is the minimum coverage required by law. If you would like to cover damages to your own vehicle, you should choose partial comprehensive or full coverage.
Does the policy have to be in the name of the person who has the loan?
Yes.
How can I cancel Renters Insurance?
You just need to send us the information with your moving date to another place. Please mention your policy number within your email to CNX@mirascon.com. If you want to cancel your insurance without moving, you need to send your cancellation request at least 3 months prior the annual renewal date. This day belongs to your effective date of the policy. For Example: Policy effective date is 10 June 2022; If you want to terminate the insurance, you’d need to cancel by 10 March 2023.
Who is my point of contact?
Your point of contact will always be your local agent. >>Click here<< to find the Agency closest to you. If your local agent is not available to you, you can also contact us directly through our contact form. Just let us know how we can be of any help and we will get back to you ASAP. Go to Contact Form here. >> Contact Us
Who is allowed to drive my vehicle?
If you have registered your POV with USAREUR, any person who has a valid USAREUR driver’s license is allowed to drive your vehicle with your permission. If you have registered your POV in the German system, any person who has a valid international driver’s license is allowed to drive your vehicle with your permission. Please note that all drivers must be 18 years or older.

PAYMENTS

Which payment methods are available?
We accept
Am I required to continue making payments on my vehicle insurance while I am on leave?
You are required to continue paying your insurance premium even during periods of leave, if you do not put your car in private or Government storage. For storage options, please see the conditions here: GOVERNMENT STORAGE If you deploy and your vehicle goes into government storage/temporary withdrawal, you must provide us with a copy of your storage form/temporary withdrawal form. With this form, we will be able to suspend your policy for up to 18 months. However, please be aware NOT ALL Financing Companies (lien holders) will allow to suspend your policy while your car is in storage/temporary withdrawal. We recommend that you clarify this with your lien holder. In case your vehicle is financed, we also require written “permission to store” from the lien holder (including an official letter head). Once we receive these documents, MIRASCON Insurance Solutions can provide comprehensive loss coverage free of charge. PRIVATE STORAGE If you want to put your vehicle into private storage you must provide us with pictures of the vehicle being stored in a lockable garage. The license plates have to be turned in and the non-operational slip from vehicle registration has to be provided. In case your vehicle is financed, we also require written “permission to store” from the lien holder (including an official letter head). Once we receive these documents, MIRASCON Insurance Solutions can provide comprehensive loss coverage free of charge for up to 18 months.
Why are you still debiting my account even though I have cancelled my policy?
You have to send your de-registration form/certificate, shipping papers or your junking papers to contact@mirascon.com or by fax to: +49 221 925 488 66. Once we have received this information, we will cancel your contract as of the respective Date. Please, prove or send us your actual address, your email and your (German) bank details. Thus we can refund any overpayment. Additionally, please contact your bank and cancel your Recurring Payment Order/ Standing Payment Order to the insurance company (Volkswohl-Bund).