Bloggen oder nicht? Wer hat Angst vor den Behörden?

Bad Langensalza, dem 22. September 2018: Vor vier Monaten, also im Mai diesen Jahres, haben wir unseren Bauvertrag für unser Haus unterschrieben. Filmreif sind mittlerweile unsere weitreichenden Korrespondenzen mit allen möglichen Bau-relevanten Behörden des öffentlichen “Rechts”. (Absichtlich vage gehalten hier.) Bis heute haben wir keine Baugenehmigung geschweige denn einen möglichen Termin für den ersten Spatenstich. Viele Gründe dafür sind einem Normalbürger nur sehr schwer aber oft auch gar nicht vermittelbar.

Ich teile ja sehr gern meine Erfahrungen und würde das nun auch gern in diesem Fall tun. Jetzt frage ich mich allerdings folgendes:

(1) Ist es ggf. unklug jetzt bereits über meine Behörden-Geschichten zu bloggen?

(2) Obwohl es so in einer demokratischen Gesellschaft nicht sein sollte; Hätten Veröffentlichungen über meine behördlichen Erfahrungen ggf. Nachteile in meinen aktuell immer noch(!) laufenden Anträgen?

(3) Ist die Tatsache, dass ich mir Frage #2 überhaupt stelle, bereits Armutszeugnis für mein Vertrauen in Behörden? (Welche ja objektiv aufgrund von Sachlage entscheiden sollten.)

(4) Wenn ich jetzt nicht drüber schreibe, wann wäre denn ein “sicherer” Zeitpunkt? Nach Bauschluss, Abnahme oder vielleicht gar niemals? Würde es dann ggf. zukünftige Vorhaben gefährden?

Das war im März und sieht noch heute so aus.

FRAGE: Wie man sieht, bin ich mir nicht sicher in der Sache. Was meint ihr denn so? Rein hypothetisch gesehen.

 

[ENGLISH] P.S.: This post was purposely published in German. Future posts will most like be published in English again.

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Spam is getting more – Why?

While back I wrote about this anti-spam plugin I’m using on kozen.de. In recent weeks the number of spam comments that plugin is flagging every day has increased dramatically. Have a look:

Spam comments flagged by Antispam Bee

I find this quite interesting and am wondering why that number goes up? Is it because my blog gets more and more indexed by search engines and therefore more spambots are finding it? For sure, the number of visits per day on kozen.de has not increased significantly.

Perhaps there are a bunch of people who don’t like what I write and they’ve submitted this site to spam databases. Yes that kind a thing exists. Or is it perhaps that the WordPress version I have installed is by a 0.0.1 version below the latest WordPress version. Thus, spam bots are finding it as an attractive target to leave their spam comments?

By the way: Most spam comments are detected as “honeypots“. So just in case one of such comments gets through: Before clicking on a link, please double-check that link in your browser’s status bar (when hovering over the link with your mouse) to ensure it’s the right destination you want to go to.

 

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How to get a Car Insurance in Germany

To register a car – may it be a new one or one you bought second hand – you need to have at least a car insurance. Here is a quick overview of typical car insurances in Germany:

  1. Haftpflicht = Third Party Liability (mandatory)
    Like it is in many countries, it is required to have a third party liability insurance for your car in case you damage someone else’s car or hurt other persons with your car.
  2. Teilkasko = Partial Comprehensive Cover (optional)
    This optional insurance covers damages to your own vehicle to some extend. It makes sense to get this for some older vehicles that still have some decent value. For a car like ours, we did not opt for this.
  3. Vollkasko = Full Comprehensive Cover (optional)
    This optional insurance can be signed up for instead of “Teilkasko”, which covers pretty much any kind of damage or loss at your car. “Vollkasko” makes sense for brand new and high value cars.

    Have a look at Comprehensive Cover for a more detailed explanation.
Hail Damage – Typical Damage Claim for a Comprehensive Cover Insurance

Finding the Best Car Insurance

There are many ways. Most folks would just ask their favorite insurance agent, but for me, I simply went on a price comparison website called Tarifcheck.de and searched for it.

To find the car insurance of your liking you need to:

  1. Particulars of the car
  2. Particulars of the holder/owner of the car and the driver(s)
  3. Previous insurance coverage

Similarly to other countries, you’ll be classified into a “Schadenfreiheitsklasse” (SF) meaning you’ll get a “no-claims-discount” if you’ve got a good accident-free driving record. If you don’t have any record you enter the car insurance world with 100%-155% percent of the normal insurance rates. It can even go up to 245% for drivers with an extremely high record of accidents. For example, driving beginners that caused an accident themselves get put into that SF. So better drive properly and with care.

Here is a list of all such SF / no-claims-discount classes:

accident free years Third Party Liability Comprehensive Cover
SF-Class Premium in % SF-Class Premium in %
Malus Class SF M 245 SF M 160
Beginners SF 0 230 SF 0 125
Special Class SF S 155
Special Class SF 1/2 140 SF 1/2 115
1 SF 1 100 SF 1 100
2 SF 2 85 SF 2 85
3 SF 3 70 SF 3 80
4 SF 4 60 SF 4 70
5 SF 5 55 SF 5 65
6 SF 6 55 SF 6 60
7 SF 7 50 SF 7 60
8 SF 8 50 SF 8 55
9 SF 9 45 SF 9 50
10 SF 10 45 SF 10 50
11 SF 11 45 SF 11 45
12 SF 12 40 SF 12 45
13 SF 13 40 SF 13 45
14 SF 14 40 SF 14 40
15 SF 15 40 SF 15 40
16 SF 16 35 SF 16 40
17 SF 17 35 SF 17 40
18 SF 18 35 SF 18 35
19 SF 19 35 SF 19 35
20 SF 20 35 SF 20 35
21 SF 21 35 SF 21 35
22 SF 22 30 SF 22 35
23 SF 23 30 SF 23 30
24 SF 24 30 SF 24 30
25 SF 25 30 SF 25 30

So if you’re accident free driving for 22+ years, you’ll get the lowest rates available.

If you sign up for a car insurance, it appears to be rather easy to claim your previous SF with the new insurer by simply entering it and providing your insurance account number of your previous insurance. If you are coming from a foreign country, you can try to get classified into a SF class according to your no-claim-record at your insurance. However, some insurers don’t accept that. Some might give you at least a bit of a discount. So I’d recommend to give it a try and check with a few insurers on whether they can accept your claim.

We’ve signed up for a third party liability insurance that costs us €247 per year where we got classified into SF15 that gives us 40% premium we have to pay. Without such SF classification we would have paid close to €600 per year instead. So it’s worth looking into that.

On the comparison website you can also see different ratings of such insurers. They tell you how well that insurer pays back claims, how responsive they are, whether they are environmentally friendly, do everything digitally, and so on.

For a Care Free Ride

Where to Sign Up the Best Car Insurance

You can go to: Tarifcheck Car Insurance website

Simply enter your car details and personal particulars there. You’ll then get a list of insurance offers. I for my part, signed up for the car insurance right on that website. It worked quite well for me, but feel free to consult other sources too.

My decision process was very simple: I took the insurance with the best combination of claim-refund rating, customer satisfaction and of course best-price. It turned out to be a small “direct” insurance company for me. That’s fine as I expect that we won’t be needing it — hopefully.

 

Other articles in my German car series:

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How to convert a Hong Kong Driving Licence to a German Driver’s License

It sounds easier than it is.

First off, you can drive in Germany with your foreign driver’s license for up to 6 months starting from the first day of entry. If you want to drive after that period, you’ll need to convert your foreign license to a German driver’s license.

As you know, we recently moved from Hong Kong to Germany. My wife has a Hong Kong driver’s license (even though she initial made her license in California) and we want to convert it to a German driver’s license.

My Hong Kong Driving Licence (Note: This is only valid in conjunction with my HK ID card, which is a proper photo ID. Both are linked with the unique HK ID number showing at the top right of this driving licence.)

If you have a foreign driver’s license you’ve got to distinguish between three different types:

  1. You have an EU driver’s license, or
  2. Your driver’s license was issued in a country listed in “Annex 11” of the driver’s license ordinance, or
  3. Your driver’s license was issued in another country (i.e. not listed in Annex 11 nor an EU license)

1.  Your EU Driver’s License

… is valid in the entire of European Union. Germany recognizes all EU driver’s licenses as well as the ones issue in Iceland, Norway and Liechtenstein. There is no need for converting your existing license.

2. Your Foreign Driver’s License (Annex 11)

… can be simply converted to a German driver’s license by paying a small fee (~€48) and filing a conversion form. It is recognized by Germany and your licensed driving classes get converted appropriately. This requires that your issuing country / state is listed in “Annex 11” of the “German Driver’s License Ordinance” namely: “Anhang 11” of the “Fahrerlaubnisverordnung (FeV)”.

The following countries are listed in Annex 11:

  • Andorra
  • Australia
  • Bosnia Herzigovina
  • Canada
  • French Polynesia
  • Guernsey
  • Isle of Man
  • Israel
  • Japan
  • Jersey
  • Monaco
  • Namibia
  • New Caledonia
  • New Zealand
  • Republic of Korea (South Korea)
  • San Marino
  • Serbia
  • Singapore
  • South Africa
  • Switzerland
  • Taiwan

The United States of America are not recognized as a whole. Only the following federal states are listed in Annex 11:

  • Alabama
  • Arizona
  • Arkansas
  • Colorado
  • Connecticut
  • Delaware
  • District of Columbia
  • Florida
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Nebraska
  • New Mexico
  • North Carolina
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Puerto Rico
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington State
  • West Virginia
  • Wisconsin
  • Wyoming

It is important to note, that not all classes of your driver’s license may be recognized. To get a clear picture of the classes you can transfer, please check the official annex 11 of FeV.

3. Your Foreign Driver’s License (NOT Annex 11)

… your driver’s license is not recognized and cannot simply converted to a German driver’s license, if your issuing country/state is not listed in annex 11 (see above point 2).

This is, unfortunately, the group my wife’s Hong Kong driver’s license falls into. After consulting with our local driver’s license government department and double-checking with them, we are now certain of the requirements to “convert” her license:

(1) Pass theoretical driving school test
(2) Pass practical driving test

Obviously, these two points are time consuming and expensive. Not to speak that if you fail one of these, you’ll have to cover repeat costs.

Costs of Tests Required

As it is in small towns, I know someone who knows someone who has a driving school. So I went on and checked with him what these tests would cost roughly.

Theory

Passing the theoretical test is not that hard. You can buy a CD and practice the multiple choice questions over and over again until you know them all. There are now even apps available that help you get ready for that test.

€35 CD
€35 Theory Test Fee (driving school – may vary)
€22.49 Dekra-Fee

Practical

It is recommended to have at least a few driving lessons to have some kind of chance to pass the practical test. Even experienced drivers might find it hard to pass this test. A small mistake and you’ve failed the test. So it was recommended to us to do perhaps 10 driving lessons to get a chance to pass the practical test.

€380 Driving Lessons (10x €38) (driving school – may vary)
€55 Driving Test (driving school – may vary)
€91.75 Dekra-Driving-Test-Fee

In total we would end up at around:

€620-800 total

This obviously depends on the actual number of driving lessons the applicant needs (if at all) and/or a test would have to be repeated, etc.

Notes on Tests in non-German: Not all testing centers seem to be offering driving school tests in other languages than German. At the DEKRA for example, I haven’t found any information for tests in English. TÜV Nord for example offers their driver’s license tests now in English, French, Greek, Italian, Polish, Portuguese, Romanian, Russian, Croatian, Spanish, Turkish and Arab.

 

What’s Needed For The Application of Conversion

In full, an application at the Driver’s License Department for converting a Hong Kong driver’s license or any other license that’s issued in a country not listed in annex 11:

  1. Eye Test Certificate (get at eye doctor or optometrist)
  2. First Aid Course Certificate (get at Red Cross)
  3. 1x Passport Photo
  4. Driving School Application (where you do theoretical/practical tests)
  5. Translation of Current Driver’s License

The conversion fee is €48 and can be filed before you actually do your test. From the day you pass your tests, it takes up to 14 days to issue your driver’s license.

Where to Apply for Conversion

Usually the driver’s license government department is called “Fahrerlaubnisbehörde”, which in most cases is situated at the city or county government. Larger cities have their own department, smaller ones like ours have theirs at the county’s government departments. A full list of addresses of all departments in Germany can be found here: Address Index of Driver’s License & Vehicle Government Departments (in German only)

 

The other way around: German to Hong Kong Driving Licence

Just FYI. A few years ago, I converted my German EU Driver’s License to a Hong Kong Driving Licence by simply filling out a form and paying a fee. In Hong Kong I did not have to do any test or provide any certificate whatsoever — except for a translated copy of my German driver’s license. It was quick, easy and straight forward.

 

Tid Bits:

“Driver’s license” in German is called “Fahrerlaubnis”, which is pretty much the literal translation of “driver’s license”. Colloquially it is called “Führerschein”, which is the actual “driver’s license card” you carry around.

  • driver’s license (or driving licence) = Fahrerlaubnis
  • driver’s license card = Führerschein
  • driver’s license department = Fahrerlaubnisbehörde or Führerscheinstelle
  • convert my driver’s license = meine Fahrerlaubnis umschreiben

Notes:

I have written this down here in English, because many German government agencies don’t publish their information in English or in a comprehensive way. Especially for foreigners we find it being very difficult to navigate typical German bureaucracy without extensive knowledge of the German language.

Sources:

 

Update 2018-09-20: Thanks to our very attentive reader fok, we were pointed into the right direction and corrected the actual meaning of “Fahrerlaubnis” and “Führerschein” as well as the differences between them.

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