Automotive Insurance – You can save a lot with car insurance in particular. However, the insurance coverage provided should not suffer as a result. Changing car insurance on time can save you hundreds of euros and still give you the protection you had. Find the right insurance for your car at a ratio of running costs.
When comparing prices with other services are considered in detail. If you can find the right insurance for your needs, you can request a quote directly. Just enter all the required data into our comparison calculator. Offers from various insurance companies are recognized on this basis. The results are displayed directly to you and you can compare the offers at your spare time.
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As a rule, insurance can be canceled at the beginning of the year. Cancellation of car insurance must be done by November 30. At the end of the year, various insurance companies are increasingly focusing on this sector and creating new and cheaper offers.
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If your previous insurance company increases premiums, you have the exclusive right to cancel at any time. You can then terminate your contract within 4 weeks of notice of the increase.
Car liability insurance is a legal obligation. All vehicles registered in Germany must have such insurance. As with any liability insurance, the insurance covers damages you cause to others. In the event of an accident, the insurance company will pay all the costs.
Full parts insurance covers the damage to your own vehicle. Glass damage, storm damage, theft of the vehicle or part of it, snow damage and damage caused by sports are the biggest insurance risks. For example, if the windshield is damaged by a falling stone, part of the full coverage will cover the cost. It doesn’t matter if the panel was damaged by a fall or by your own fault. On the other hand, if the car is stolen or damaged by rain, you will receive a large replacement cost.
Comprehensive insurance increases the level of full payment to include personal damage or, for example, damage caused by vandalism. Damage to the vehicle caused by a third party. Unlike partial insurance, no claim applies to full insurance.
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Car insurance coverage can be taken out in conjunction with car liability insurance. In the event of an accident or breakdown, the cost will be paid. With this insurance, too, there are different benefits depending on the provider.
Different operators pay the same for the second car as for the first car. This means that a second car can also be guaranteed at a cheaper price.
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Moving to Germany or new to Germany? Check out our resources page for all the help you need!
Planning to drive in Germany? In this article you will learn why you need car insurance in Germany, what the different types are, how to choose the right one, how to save money on car insurance and more.
What? did you know that there are more than 1 million traffic accidents in Germany alone in the first half of 2020 No, according to the Statisches Bundesamt? That means there is an accident every 15 seconds! And this figure does not include those accidents in which the police were not involved.
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Without car insurance, it can easily cost you a lot of money when you have an accident in Germany.
If you plan to buy a car in Germany, you should know that you may not be driving on the road before registering your car. You can register your vehicle in one of the following ways:
Even if you have moved from one city to another in Germany, you will need to register your car because your German phone number shows the city code that shows where your car is registered.
For example, a car registered in Munich has a license plate that starts with the letter “M”.
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The documents required to register your vehicle vary depending on whether you are registering a new or used vehicle. However, there are at least two things you will need: your ID and your eVB number.
The eVB (elektronische Versicherungsbestätigung) number is an electronic proof of insurance that serves as proof that your vehicle is insured when you register it. That’s why you’ll need car insurance if you plan to drive in Germany.
You must have car liability insurance if you want to drive in Germany. Insurance covers all damages or injuries you cause to other people or things, including medical expenses. However, it does not cause damage to you and your own car. It makes sense to have this insurance as it can cause you to lose property even if you have had a minor accident in Germany.
Car liability insurance is the minimum legal requirement for driving in Germany to ensure that those injured by the car can be compensated.
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It can sound overwhelming. But in reality, this minimum insurance premium is low, especially when you have an accident involving more than the injured. It is recommended to have car liability insurance in Germany with a total insurance amount between 50 to 100 million euros. In fact, it is not uncommon for German car insurance companies to offer higher insurance amounts today.
This car insurance is not legally required in Germany. It includes liability insurance on the car, but additional protection. For example, car parts insurance in Germany always covers the following:
You can often insure damage caused by other animals and other natural disasters. It’s also a good idea to include marten bites, as these can cause serious car damage in Germany. Martens is fascinated by the heat of the car engine and likes to bite into the rubber and plastic (your hoses and cables in the car).
Therefore, car parts insurance covers damage caused by external factors, except that the damage is not covered.
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Comprehensive car insurance in Germany is not legally required. It includes car liability insurance and partial car insurance, but with additional protection. Comprehensive car insurance is the most comprehensive car insurance and is also the most expensive option.
Comprehensive car insurance in Germany always covers damage to your own car and personal injury in the following cases:
Note that you may be required to have comprehensive car insurance in Germany if you finance your car with a lease or loan.
Incomplete car insurance and comprehensive car insurance are not required by law in Germany. However, it often makes sense to have them. Auto parts insurance is cheap, but it doesn’t cover all types of damage. Comprehensive car insurance offers more comprehensive coverage, but may not be suitable for every car.
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Comprehensive car insurance is recommended for new cars up to five years old. When you spend a lot of money on your new car, it makes sense to have the right car insurance to protect it. Comprehensive car insurance will cover damage to your own car, even if the accident was your fault.
On the other hand, if you have an older car that is less expensive, it may not be worth paying for comprehensive car insurance for such a car. You will need to consider the premium of insurance compared to the cost of your car to make a decision. In most cases, auto parts insurance is enough to protect the old car.
As mentioned earlier, if you are financing your car with a lease or loan in Germany you will often need to have comprehensive car insurance. Although comprehensive car insurance is not legally required, many institutions will require it if you finance your car purchase through them. Very often comprehensive car insurance is also required by the rental agency.
What are the additional factors to consider for car insurance in Germany? Covers damage caused by mudslides and snow
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This is especially important if you live near a mountain. If you live in a high risk area, premiums will increase accordingly.
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