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Are you planning to drive in Germany? Find out what kind of coverage you need with this practical guide to car insurance in Germany.
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Germany has a strong car industry, and the majority of the population owns and drives cars regularly. As in other European countries, you must be covered by minimum car insurance in Germany and you will be able to choose optional extras.
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) is mandatory for all drivers in Germany. If you drive in Germany, you will need at least third party liability insurance to register your car and obtain a German license plate. Insurance certificates must be displayed in the vehicle at all times.
Germany has the largest car insurance market in Europe and the largest car market on the continent. According to statistics for 2016, there are about 90 car insurance companies in the country. It includes:
As in most European countries, you need to insure the car rather than the driver in Germany. However, some comprehensive policies allow multiple drivers to be insured for the same vehicle.
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Many German insurance companies allow a second vehicle to be covered under the same policy. This allows parents in Germany to insure the cars owned by their children as a second car on their policy.
The German insurance market is regulated by the Federal Financial Supervisory Authority (BAFIN) and most companies belong to the German Insurance Federation (
Drivers from EU/EFTA countries can use insurance from their country of origin. People from outside the European Union can use insurance from their country if they have an international green card.
This is the minimum requirement for drivers in Germany. This includes damage to other vehicles in the event of an accident as well as medical expenses. However, it does not cover any of your expenses.
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Third party coverage covers everything that is covered plus some expenses related to damage to your vehicle and theft as well as fire and storm damage. However, it does not cover any costs related to vandalism or accidents that are your fault.
As its name suggests, it covers the entire cost including damage to you and other vehicles in the event that you are at fault. Some
Due to the wide range of coverage, this policy is the most expensive type. Some dealerships insist on this as a minimum new car policy.
As elsewhere, car insurance costs in Germany depend on several different factors:
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You can reduce your annuity in several ways, including a higher increase/deductible (the amount you pay for any claim), paying the full annuity or reactivating a no-claim bonus.
Because of the various factors involved in calculating the price, premiums can vary quickly in Germany from around €100 per year for third-party coverage on cheap or used vehicles to over €1,000 per year for comprehensive coverage on top-of-the-line models. .
You can get optional additional forms for car insurance in Germany. Many insurance companies will offer several extras including:
) for drivers who have gone a year or more without claiming their annuity.
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You can often file a claim with other insurance companies, including third-party companies. If you are moving to Germany from abroad and want to transfer your no-claim bonus, it is recommended that you request a letter from your previous insurance company confirming the no-claim period.
Companies often punish drivers with poor driving records. Expect to pay higher premiums if you:
There are about 90 car insurance companies in Germany, so it pays to shop around for the best deal. Some of the most popular companies include:
When shopping for auto insurance in Germany, you can consider many different factors other than the cost of the premium. This may include:
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Most insurance companies allow you to purchase insurance policies online. If you do this, your insurance details must be received electronically within 24 hours.
If you wish to file a claim with your insurance company, you should contact them as soon as possible. Accident claims must be submitted within two weeks of the accident. You are:
You will need to send the relevant information to your insurance company and they will let you know if you need to provide any other information. Claims must be resolved within three months. The insurance company usually breaks down the costs directly with participating companies (for example, auto repair garages).
If you need to make a claim with a third party insurance company and they don't give you insurance details, you can find them by providing your license plate number to the motor insurers central office. This central office can also provide you with necessary details for insurance claims representatives in other EU Member States if you are involved in an accident in another EU country.
Compulsory Personal Accident Insurance (owner Driver) Under Car Insurance
Be aware that most German car insurance contracts renew automatically. You usually need to give at least one month's notice if you want to cancel the contract or switch to another provider.
German car insurance companies must accept applications for car insurance under the Compulsory Insurance Act (Article 5/2). However, there are cases where they may refuse to provide a policy, such as if the applicant has previously taken out a policy with them and has breached the terms of the contract.
If you feel that you have been treated unfairly by a car insurance company in Germany or are not satisfied with their services, you can file a formal complaint. The procedure to do this is:
There are two major auto clubs that offer national breakdown and recovery services. Basic membership costs €54 per year for ADAC, with more expensive premium membership offerings available.
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German Highway Assistance can be called for free from roadside emergency phones. If you are involved in an accident, call the police on 110 or dial 112 for an ambulance. In addition, remember that it is illegal to leave the scene of an accident without calling for help. Different cars have different insurance rates. Find out how your car's make and model affects your car insurance rates.
For example, a standard car model won't cost much to insure compared to an expensive luxury car. In fact, we found that the fairly safe and economical Jeep Wrangler costs an average of $1,777 per year to insure, while the expensive, capable Jaguar XJR costs an average of $5,478 per year to insure.
There's more to how the make and model of a car affects insurance rates than just the price of the car, as you'll learn in this article.
The make of your car is the brand you made. A model is a specific version of your vehicle. Using the Honda Accord as an example, Honda is the make and the Accord is the model.
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Your car's make, model, trim, year, and body type all play a role in how much you pay for auto insurance. Expensive car models with additional features and larger engines will cost more to insure than standard car models with higher safety ratings. This is why you should compare auto insurance quotes from several companies when shopping for a new car. This will show you how different trims and body types can affect your premium.
Even if your car is the same make and model as another car, you can customize it with decorations. The 2018 Honda Accord is available in five different trim levels including LX, Sport, EX, EX-L and Touring. Trim level options typically include:
Another thing to consider when buying a car is the body type. Examples of vehicle body types include:
Newer cars are generally more expensive to insure than older cars. Because new cars are usually more expensive than old cars.
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If you have an accident in an older car, the resulting repairs are often cheaper than if you were in a newer car. Depending on the age of your vehicle, repairs may cost more than their actual cash value. If you're looking for a new car, it's important to know how trim levels and body styles will affect your prices for the same year, make, and model of vehicle.
To show how frame and body shape affects auto insurance rates, we compared the same car model with different trim variations.
When it comes to auto insurance costs, the difference between the Honda Civic and Honda Civic EX-T is $120.20 per year. That's because the manufacturer's suggested retail price, or MSRP, varies by trim level. Therefore, choosing a model with more features can increase your insurance rates. A higher MSRP means higher repair costs if you have an accident.
Tesla Model 3 is the most
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