If you deposit your license plates at the driver and vehicle registration office, your car insurance will be suspended until you use the plates again.
Risks continue to be partially covered, depending on the insurer, mostly for a limited time period, e.g. theft from a garage. Some insurers give a suspension discount on partial cover insurance, as well third party insurance and collision insurance. You can find details about this in your general insurance conditions.
As soon as you use the license plates again, your insurer will offer you a discount calculated per rata temporis, deducting the administrative fees. Certain insurers will already offer the discount when you deposit your license plates, thus enabling you to change insurers.
Motorbike insurance
In order to save themselves and the policyholders the administrative expenses, most insurance companies offer premiums for the whole year for the motorbike insurance. With these, they forgo suspension . This model makes it needless to deposit the license plates for a few weeks/months in winter.
Tip
The effort for depositing the license plates in the winter saison is hardly worthwhile with the motorbike insurance – in contrary to with the car insurance, where the suspension discount amounts to considerably more. Ask your insurance company, to what the suspension discount and the administrative costs which will be deducted will amount. Thereby you can estimate if suspension for the favoured time is worthwhile in your case.
