Automobile insurance policy in Germany

Preparation for driving a car in Germany? Discover what types of protection you require with this useful guide to cars and truck insurance in Germany.

Germany has a solid car sector and primary locals very own and drives vehicles regularly. As in other European countries, you will require to be covered by a minimum level of vehicle insurance coverage in Germany as well as will also have the ability to pick optional extras.


Our overview explains everything you need to recognize, with details on:

  • Introduction to German cars and truck insurance policy
  • Sorts of vehicle insurance policy in Germany
  • Additional kinds of automobile insurance policy in Germany
  • Car insurance coverage rewards as well as penalties in Germany
  • Auto insurance companies in Germany
  • Just how to pick car insurance coverage in Germany
  • Looking for a vehicle insurance policy in Germany
  • Making an automobile insurance policy claim in Germany
  • Canceling an agreement or transforming carrier
  • Making an issue concerning a vehicle insurance provider in Germany
  • Roadway help in Germany
  • Valuable resources

Cars and truck insurance in Germany

Automobile insurance (Kfz Versicherung or autoversicherung) in Germany is mandatory for all motorists. If you drive in Germany, you will certainly need a minimum of third-party liability insurance coverage on your automobile so as to get it signed up and get a German permit plate. Insurance certificates need to be shown in the car whatsoever at any time.

Germany has among the largest auto insurance markets in Europe as well as the biggest overall motor market on the continent. There are around 90 lorry insurers in the country according to 2016 statistics. These include:

  • AXA
  • Avg
  • BavariaDirekt
  • HD


Similar to lots of European nations, you need to guarantee the automobile instead of the driver in Germany. Nevertheless, some detailed policies enable insurance coverage of numerous motorists for the exact same car.


Lots of German insurance providers permit 2nd automobile insurance on the same plan. As a result of this, moms and dads in Germany can guarantee automobiles belonging to their kids as the 2nd car on their plan.

The Federal Financial Supervisory Authority (BaFin) controls the German insurance policy market, as well as most companies, which come from the German Insurance Organization (Die Deutschen Versicherer– GDV).

Can you utilize an automobile insurance policy from one more country in Germany?
Chauffeurs from EU/EFTA countries can utilize insurance policies from their house nation. Those from outside the EU can occasionally make use of insurance from their house nation if they have a global permit.

However, long-term residents in Germany will certainly need to secure German insurance coverage.


Kinds of cars and truck insurance coverage in Germany.
There are three main types of German vehicle insurance coverage: third party, partial cover, and comprehensive.

Third party (haftpflicht).

This is the minimum level of coverage required for vehicle drivers in Germany. It covers damages to various other vehicles in case of an accident, including medical prices. Nevertheless, it does not cover any one of your very own expenses.

Partial cover (teilkasko).

Teilkasko covers whatever is included in third-party coverage plus some prices associated with harm to your very own lorry, consisting of theft plus fire and tornado damages. Nevertheless, it does not cover criminal damage or any type of costs associating with crashes that are your mistake.

Comprehensive (vollkasko).

As recommended by its name, this covers full costs including damages to your own and also various other cars in events that are your fault. Some vollkasko plans also cover additional prices such as those associating with disability and death arising from the mishap.

Due to the breadth of protection, this policy is one of the most pricey kind. Some dealerships for new cars demand this as a minimal-level plan.

Cars and truck insurance policy (Kfz Versicherung or autoversicherung) in Germany is compulsory for all chauffeurs. If you drive in Germany, you will require a minimum of a third event responsibility insurance policy on your automobile in order to obtain it registered and obtain a German permit plate. Insurance certifications must be displayed in the lorry at all times.

Germany has one of the largest car insurance policy markets in Europe and also the largest general motor market on the continent. There are around 90 automobile insurance firms in the nation according to 2016 statistics.

Automobile insurance coverage prices in Germany

As in other areas, vehicle insurance costs in Germany are based on a number of various elements consisting of:

  • driver age;
  • driver experience and also a record;
  • lorry worth;
  • variety of vehicle drivers guaranteed;
  • place (prices for bigger cities are normally a lot more expensive);.

car use (consisting of the objective of use and also just how often you will drive).
You can lower your yearly premiums in numerous means, including paying a higher excess/deductible (the amount you pay in the direction of any kind of case), paying the yearly amount completely, or reactivating your no insurance claims perk.


As a result of the different elements associated with cost computation, insurance coverage premiums in Germany can differ rapidly from around EUR100 a year for 3rd party protection for cheaper or second-hand cars to over EUR1,000 a year for comprehensive coverage on top-range designs.

Added forms of vehicle insurance in Germany.
You can secure optional additional kinds of auto insurance policies in Germany. A lot of insurance companies will use various add-ons including:

Malfunction insurance– this covers the prices of your automobile being pulled away in the event of a roadside breakdown. It additionally often includes substitute care costs and the costs of moving sick or hurt people.
Legal insurance– covers legal expenditures in the event of an incident that litigates.
Additional equipment coverage– if you lug or keep pricey equipment in your lorry, you can cover the costs of damages or burglary if you pay higher costs.
Extended elementary damage– if you live or travel near mountainous locations, you might need this to secure against the danger of damage due to avalanches or severe snowfall.
Cars and truck insurance coverage perks as well as fines in Germany.
Germany has a no claims bonus offer system (schadenfreiheitsklasse) which entitles motorists who have gone a year or more without making any type of case to a discount on their annual premium.

Exact discount rates can range insurers but as a harsh guide, you will certainly be entitled to:

  • as much as 35% off annual prices if one year without making a claim;
  • around 45% off if 3 years without making a case;
  • approx. 50% off if 5 years without making an insurance claim;
  • as much as 80% off if 15+ years without making a case.

You can frequently roll over no insurance claims periods from other insurance companies, including firms from abroad. If you are transferring to Germany from overseas and also want to move a no insurance claims perk, it is a good suggestion to request a letter from your previous insurance provider vouching for your no insurance claims period.

Businesses likewise often punish chauffeurs with an inadequate driving record. Anticipate to pay increased costs if you:

  • are a young or unskilled chauffeur;
  • have actually been in an accident where you were at fault;.
  • have any points on your permit for violations such as speeding or drink driving.

Auto-insurer in Germany.
There are around 90 vehicle insurance policy suppliers in Germany so it pays to look around for the best deal. A few of the most popular companies include:

  • AXA.
  • D.
  • BavariaDirekt.
  • HDI.
  • R+V 24.

You can contrast insurance coverage from German businesses by utilizing contrast internet sites such as Verivox or Joonko.

How to pick auto insurance in Germany.
You can take a number of various aspects right into account beyond the premium prices when shopping for cars and truck insurance in Germany. These could include:

No-claims bonus offer– what discounts are supplied and what is the plan around moving perks from in other places?;.
Plan insurance coverage– what is omitted from basic insurance coverage, can this be added on if essential and also at what expense?;.
Excess/deductible options– what is the required unwanted and what are the choices for selecting to increase it?;.
Company track record– just how does the business do in reviews and also what is the client feedback like?;.
Cases procedure– how simple is it, what is involved and what do the testimonials claim regarding how it works in the method?;.
Roadside assistance– does the company offer a great failure assistance policy?
Exactly how to make an application for an automobile insurance policy in Germany.
To take out German vehicle insurance, you will require to offer:


your German driving certificate number.
individual ID.
various other personal information associating with your driving background.
German checking account information (if paying by direct debit).
files associating with automobile acquisition (some insurance firms might request for these).
A lot of insurance providers allow you to purchase an insurance policy online. If you do this, you need to get your insurance policy information digitally within 1 day.

If you feel that you have been unfairly treated by a vehicle insurer in Germany or are not satisfied with the services supplied, you can submit the main grievance. The procedure for doing this is:

Making a complaint about a car insurance company in Germany

German auto insurance companies are obliged to accept car insurance applications under the Compulsory Insurance Act (Section 5/2). However, there are instances where they can refuse to offer a policy, such as if the applicant has previously taken out a policy with them and violated the terms of the contract.

contact the problems department of your insurance provider in the very first instance.
if you receive no reply or are miserable with the end result, you can escalate the problem to BaFin. You can find details on exactly how to do this below.
you can likewise complain through the Insurance Ombudsman for an independent as well as free out-of-court resolution.
if you are still not satisfied with out-of-court results, you can take the instance to court. This means that you will be responsible for your very own lawful costs.
Roadside support in Germany
ADAC (Allgemeine Deutsche Automobil-Club) and also AvD (Automobil-Club von Deutschland) are the two major car clubs using national failure and also recuperation solutions. Basic membership expenses for ADAC are EUR54 a year, with more costly premium subscription offers also available.

German freeways help can be called at no cost from emergency phones alongside the roads. If you’re associated with a crash, call the authorities on 110 or call 112 for an ambulance. Don’t forget that it’s unlawful to leave the scene of a mishap without getting aid.

Valuable sources

BaFin– German Federal Financial Supervisory Authority, which manages insurance companies in Germany
Headquarters of Cars and truck Insurers– provides info on insurance coverage in the event of an event. You can find details on a car’s insurance plan if you offer the certificate plate number.

German freeways aid can be called complimentary of fee from emergency situation phones along with the roads. If you’re involved in a crash, call the police on 110 or call 112 for rescue. Do not forget that it’s prohibited to leave the scene of a mishap without getting assistance.

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