With the new telematics option Kfz Vario FahrStil, we offer a special highlight for young drivers and customers with novice drivers under 25 years of age. Young drivers start with a 30% discount right from the start. Driving a rule-compliant and safe car leads to a significant discount in car insurance. In the following years, if you drive very safely, you can even get a discount of up to 45%.

This is how it works:
Our telematics sensor records the driving behavior and forwards this to the Bavarian Insurance Chamber in compliance with all data protection requirements (General Data Protection Regulation).

- With the Kfz Vario FahrStil app, the customer always has an overview.
- The current driving behavior score and the expected discount on the insurance can be queried at any time via the app.
- Details of the individual journeys and explanations of the score are shown in the app.
- Explanations of the driving style help to optimize the score or the driving style in order to then benefit from the highest possible discount.
- The recorded journeys of the insured vehicle are displayed. In general, for data protection reasons, you will only see the following information about individual journeys:
- start and end point (location)
- start and end time (date and time)
- kilometers driven
- Each recorded trip within Europe is assessed individually and calculated to a score (score from 1-7 possible). Details of the individual trips and explanations of the score are displayed in the app.
- For your total score, all individual trips are added up and the overall result is determined (total score of 1-7 possible).

To do this, you need a Kfz Vario FahrStil insurance from the Versicherungskammer Bayern, the free telematics sensor included in the tariff and an internet-enabled smartphone with a compatible operating system.