Accident Insurance
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€5.6 per month
Car Insurance In Germany
stay covered on every journey
Drive Confidently, We've Got You Covered
Car Insurance in Germany is essential for both legal compliance and personal financial protection. Whether you’re a daily commuter or a weekend traveler, this insurance offers peace of mind by covering a wide range of risks that drivers face on the road.
Why choose us
Flexible Payment Options
Injury and Medical Expense Support
Hassle-Free Claims
Types of Car Insurance
1. Haftpflichtversicherung (Third-Party Liability Insurance)
- Mandatory: This is the minimum insurance required by law.
- Covers: Damage to other people, their property, or vehicles in case you are at fault in an accident.
- Does not cover: Damage to your own vehicle or injuries.
2. Teilkasko (Partial Comprehensive Insurance)
- Optional, but commonly chosen for extra protection.
- Covers: Theft, fire, storm damage, glass breakage, vandalism, and animal collisions.
- Does not cover: Damages from accidents you caused.
3. Vollkasko (Full Comprehensive Insurance)
- Optional: Offers the most comprehensive coverage.
- Covers: Everything included in Teilkasko, plus damages to your own vehicle, even if you’re at fault in an accident.
- Best for: New or expensive cars, as it provides more protection.
Key Features
- Emergency Roadside Assistance
Get 24/7 roadside support, including towing and transport, ensuring you're never stranded during a breakdown or accident.
- No-Claims Bonus (Schadenfreiheitsklasse)
Save on premiums with our no-claims bonus, rewarding safe drivers with lower rates over time.
- Deductible (Selbstbeteiligung)
Opt for a higher deductible to lower your premium, though it increases your out-of-pocket costs in case of a claim.
Do You Have Any Questions?
Is car insurance mandatory in Germany?
Yes, liability insurance (Haftpflichtversicherung) is mandatory for all vehicle owners in Germany to cover damages to third parties.
What types of car insurance are available in Germany?
There are three main types: liability insurance (mandatory), partial coverage (Teilkasko), and comprehensive coverage (Vollkasko).
Is there a deductible for car insurance in Germany?
Yes, many policies come with a deductible (Selbstbeteiligung), which is the amount you must pay out of pocket in case of a claim.
Can I transfer my car insurance to a new car?
Yes, you can transfer your insurance to a new car, but the premium may change depending on the car’s make, model, and risk profile.
Is there a deductible for car insurance in Germany?
Yes, many policies come with a deductible (Selbstbeteiligung), which is the amount you must pay out of pocket in case of a claim.
What is the difference between a no-claims bonus and a no-claims discount?
A no-claims bonus (Schadenfreiheitsklasse) reduces your premium for every claim-free year, while a no-claims discount is the actual percentage reduction on your premium.
Does car insurance cover vandalism or malicious damage?
Partial and comprehensive coverage may cover vandalism, but basic liability insurance does not.
Does car insurance cover rental cars in Germany?
Standard car insurance does not cover rental cars; you need separate rental car insurance for this purpose.
Are damages caused by uninsured drivers covered?
Damages caused by uninsured drivers may be covered by the Verkehrsopferhilfe (German road victim fund) or your own comprehensive insurance, depending on the situation.
What is a green card in car insurance?
The green card (Grüne Karte) is an international proof of insurance required when driving in some foreign countries.
Is there a waiting period for car insurance coverage to take effect?
Car insurance coverage usually takes effect immediately upon policy activation, but this depends on the insurer.