Are you looking for sustainable car insurance with added value for the environment and society? Then you've come to the right place! Many people want to live more sustainably, but are dependent on their car in everyday life. A Living completely without a car is then impossible.
Fortunately, you can make an environmental and social impact not only by choosing a climate-friendly vehicle, but also by taking out the right car insurance. Some insurance companies support climate and species protection projects, promote e-mobility and categorically exclude questionable investments.
In this article, you'll find out everything you need to know about green car insurance. From the reasons for sustainable car insurance, to the most important criteria, to a specific provider that I can recommend to you. Let's go!
Background: Why sustainable car insurance?
No question: the climate change and the air pollution are among the greatest ecological challenges of our time. A first important step towards a more sustainable lifestyle of our society is therefore the Reduction of greenhouse gasessuch as carbon dioxide.
The current CO2 balance gives us food for thought: in Germany alone according to the Federal Environment Agency per capita per year on average 10.8 tons in CO2 equivalents together - a worrying figure.
Mobility remains one of the main causes of high CO2 consumption. Across Europe traffic for almost 30 percent of total CO2 emissions responsible, 72 percent of which is attributable to road traffic. Private car traffic is therefore a relevant factor.
Apart from this, however, green insurance can also be a good option, for example through its Investmentsyou Social commitment and you Office management Making a positive difference.
Keep an eye out for advertised climate protection projects
Climate protection is not always the same as climate protection. Many insurance companies deliberately use the term to Greenwashing.
In other words, they boast loudly about their exemplary contribution to climate protection in order to attract new environmentally conscious customers. However, this is often just pure PR. It's not primarily about the environment, but about your own image.
All the more reason to pay attention to climate protection when it comes to supposedly sustainable car insurance policies. So it's better to find out more about the climate protection projects supported before you sign a contract.
What exactly are the projects? Does the money really reach the organizations? What successes have been achieved so far? How long has the organization been around - newbie or old hand? Already one short online research provides clarity.
A good example: Myclimate is actively involved in 80 certified projects in 30 countries worldwide - with reasonable success. Since 2006, the respected Swiss organization has made a measurable contribution to climate protection. Be it in the areas of waste management, compost, biogas, biomass, education or equal rights.
Criteria: When is car insurance sustainable?
Sustainable car insurance is characterized by Clear, measurable objectives in the CSR reportas well as targeted ecological, social and resource-conserving Measures to achieve the target.
Here are some Criteriathat help you recognize green insurance:
- Promotion of environmentally friendly mobility (e.g. charging station in the company parking lot)
- Sustainable business management (e.g. PV system, green electricity and paper-saving processes)
- CO2 compensation (e.g. CO2 compensation through investments in climate protection projects)
- Sustainable investment policy (e.g. no investments in environmentally harmful projects)
- Promotion of biodiversity (e.g. green roofs and wild corners in the company garden)
- Resource-saving communication (e.g. digital damage reports)
- Social responsibility (e.g. charitable campaigns and donations)
No-gos: these collaborations and activities are taboo
Does the supposedly sustainable car insurance company stand up for companies and organizations that are subject to the Damage the environment? Or does it act morally reprehensible? Then it's definitely not the right insurance partner for you.
These investments and activities include, for example Caution required:
- Investments in the manufacture of weapons of war and military equipment
- Signs of corruption and bribery
- Investments in nuclear and coal energy as well as the oil and gas industry
- Proven violations of environmental or social standards
Tip: More advice on sustainable insurance and a detailed comparison you get in the linked article.
Which green car insurance is recommended?
A good example is the Sustainable car insurance from AdmiralDirekt. For example, the company uses its own in-house Combined heat and power plant climate-friendly green electricity and catches Rainwater for the process water circuit.
The Offices are paperless and communication with customers is also digital and resource-efficient. Itzehoer Versicherungen, the group behind AdmiralDirekt, has also Insect meadows, green roofs and E-charging stations for the e-vehicle fleet at the company location and regularly organizes Charity Programs and charitable actions.1
The Group's latest Corporate Social Responsibility (CSR) report also formulates the objective of improving the market-related Greenhouse gas emissions by 35 percent by 2030 compared to the base year 2019.2
Sustainable car insurance? No problem!
Here, today, you have learned why you can also make a difference by choosing environmentally friendly and responsible car insurance. Difference for nature conservation, our social coexistence and a better world you can do. Use the background knowledge, the criteria and also my recommendation to insure your car even more sustainably in the future.
"The greatest threat to our planet is the belief that someone else will save it."
Robert Swan, British polar explorer and environmentalist
Do you have any questions, suggestions or other important information about the sustainability of car insurance? Then please write me a comment.
Stay sustainable and drive carefully,
PS: Feel free to look further in the Blog for sustainable mobility around. There you will learn, for example, what exactly is meant by soft mobility understands and how this concept can work. Have fun!
References:
- Itzehoer Versicherung: Itzehoer Versicherungen - A company with values, available at https://www.itzehoer.de/unternehmen/nachhaltigkeit. [22.11.2024]. ↩︎
- Itzehoer Versicherung: Corporate Social Responsibility Report (2023), available at https://www.itzehoer.de/dokumente/daten-und-fakten/berichte-zur-corporate-social-responsibility/bericht_zur-corporate_social_responsibility_2023.pdf. [22.11.2024]. ↩︎
