CAR INSURANCE

Car insurance in Germany

No vehicle is registered in Germany without insurance. We explain the types of cover and what to watch for, and pass you to our partner for the comparison itself.

Third-party liability (Haftpflicht)

Required by law and a precondition for registration. It pays for damage you cause to others but nothing on your own vehicle. Without the confirmation number (eVB) the registration office will not issue plates.

Partial and fully comprehensive

Teilkasko covers theft, glass, animal collisions, storm, hail and fire. Vollkasko adds damage you cause yourself and vandalism. Comprehensive usually pays off on younger used cars; on older ones partial cover is often enough.

No-claims class

The longer you drive without a claim, the lower the premium. The class belongs to the driver rather than the car, so it moves with you when you change vehicles and can sometimes be transferred within a family.

Passenger accident cover

Pays out for injuries to the driver and passengers regardless of who caused the accident. Worth considering when you regularly carry people, for instance in transfer or family vehicles.

Breakdown cover

Towing, jump starts, a replacement car and repatriation from abroad. Added to the policy it is usually cheaper than a standalone membership, particularly if you drive elsewhere in Europe.

Work out a tariff right here

Enter the registration or the vehicle data, add the driver details, compare offers: our partner's calculator runs on this page. It loads only when you ask for it.

The calculator is provided by Tarifcheck.de AG, the form inside it by CHECK24. Your IP address and your entries are sent there only once you load it. We keep your choice for twelve months in a cookie. Details in the privacy notice, section 20.

Compare tariffs

The comparison runs on Tarifcheck, an independent comparison service. You enter the vehicle and driver details and see offers from several insurers side by side.

Go to the comparison

We are not an insurance broker and do not advise on individual tariffs. The link above is a partner link: if you take out a policy through it we receive a commission, and the price for you is unchanged. Your contract is solely with the insurer.