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Just drive better
Senior reviews editor
HUK Mein Auto is the companion app for the telematics car insurance tariffs of HUK-COBURG and HUK24. It is meant for drivers who want a lower premium on motor liability (Kfz-Haftpflicht) and comprehensive (Kasko) cover by driving in a measured way. The listing says the savings can reach up to 30% of the premium.
The app only does its job once you have taken out one of those telematics tariffs and registered in the app. Driving data is collected from that point on, so the app is for people who already hold or are taking out this specific insurance.
The build we hold is HUK Mein Auto 7.9.0 (APKS split bundle) for Android 10 and up.
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After you register, HUK sends you a telematics sensor at no cost. The smartphone records your journeys, and the sensor measures how you drive. The two work together, so you need both the phone with the app and the sensor for the data to be gathered.
The sensor analyses acceleration, braking, steering behaviour and speed. Your phone handles the trip recording itself. The listing presents these two parts as a single system, not as separate tools you choose between.
The readings from the sensor are combined into one overall driving score, called the Gesamtfahrwert in German. The score rises the more carefully and anticipatorily you drive, according to the developer's description.
Because the score is built from acceleration, braking, steering and speed together, a single habit does not decide it alone. The listing does not break the score down into separate sub-scores that you can view individually.
Your overall driving score determines your individual follow-on bonus (Folge-Bonus) for the next insurance year. A higher score means a higher bonus, which is how the up-to-30% saving on motor liability and comprehensive premiums is reached.
The bonus is applied to the following year's premium, not to the current one. The score therefore reflects how you drove over the current period, and the reduction takes effect at the start of the next insurance year.