Is it mandatory? That's the biggest problem over here. They make it mandatory by law so it makes it overly expensive. And they all work with levels. So when you are young and have your discount level is 0, and it usually goes up to something like level 12 and every level is about 5% discount. You acquire higher levels by not claiming insurance for a full year.

Additionally if you claim the insurance company randomly drops a certain amount of levels you obtained, which means that in most cases you are better of not making a claim and just pay it out of your own pocket.

I really wish i could just insure myself for any physical damage i cause to a person. That can easily spiral out of control it the person in question ends up in the hospital for a long time or some other permanent handicap. Now i really feel like i'm paying way too much for a few scratches on somebody else's car that i have to pay myself anyway. Either directly, or by losing discount levels so you pay it back over a couple of years.

It's really crazy.