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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, ways to save money on car insurance and much more.
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Did you know that according to the Bundesamt, according to statistics, there were more than one million car accidents in Germany in the first half of 2020 alone? That means there was an accident every 15 seconds! That statistic does not include non-police-involved accidents.
Without car insurance, it could cost you a lot if you have a car accident in Germany.
If you plan to buy a car in Germany, you should know that you may not be able to drive on the road before you register your car. You can register your vehicle in one of the following ways.
Even if you move from one city to another in Germany, you must register your car, because your German number plate shows the city code where your car is registered.
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For example, a car registered in Munich has a number plate starting with "M".
The documents required to register your vehicle depend on whether you are registering a new vehicle or a used vehicle. However, there are at least two things you need: your ID and your eVB number.
The eVB number (elektronische Versicherungsbestätigung) is an electronic insurance confirmation that acts as proof that your vehicle is insured when you register it. This is why you need car insurance if you plan to drive in Germany.
If you want to drive in Germany you must have car liability insurance. Insurance covers all damages or injuries you cause to other people or things, including medical expenses. However, it does not cover damage to you and your own vehicle. Even a minor accident in Germany can cost you a lot of money so it makes sense to have this insurance anyway.
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Car liability insurance is the minimum legal requirement for driving in Germany to ensure compensation for people injured by a car.
This may sound overwhelming. But in reality, this minimum sum insured is very low, especially when you have an accident involving many injured people. It is recommended to take out car liability insurance in Germany with a total sum insured between 50 and 100 million euros. In fact, it is very common for car insurance companies in Germany to offer this high sum insured today.
This car insurance is not required by law in Germany. This includes car liability insurance coverage but has additional protection. For example, partial car insurance in Germany always covers the following:
You can often get additional insurance for damage caused by other animals and other natural hazards. Additionally, it is also a good idea to include Martin Bait as these animals cause a lot of damage to cars in Germany. Martins are attracted to the heat of car engines and like to chew on rubber and plastic (the hoses and wires in your car).
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Hence, partial car insurance primarily covers damage caused by external factors, vandalism is an exception.
Comprehensive car insurance is not required by law in Germany. This includes liability car insurance and partial car insurance, but with a little more 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 car and yourself in the following cases:
Note that if you finance your car with a lease or loan, you may need comprehensive car insurance in Germany.
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Both partial car insurance and comprehensive car insurance are not required by law in Germany. However, it often means having them. Partial car insurance is cheap, but it doesn't cover all damages. Comprehensive car insurance has more comprehensive coverage, but it's not worth it for every car.
Comprehensive car insurance for up to five years is advised for new cars. When you spend a lot of money on buying your new car, it makes sense to have good car insurance to protect it. Comprehensive car insurance will pay for damages to your own car, even if the accident was your fault.
On the other hand, if you have an old car that doesn't have much value, it may not be worth paying such expensive comprehensive car insurance. To make a decision you need to consider the high cost of insurance compared to the value of your car. Often, partial car insurance is enough to protect older vehicles.
As mentioned earlier, if you finance your car in Germany with a lease or loan, you will probably need comprehensive car insurance. Comprehensive car insurance is not required by law, but many companies require it if you finance your car purchase. Often, rental agencies also require comprehensive car insurance.
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What are the additional features to consider for car insurance in Germany? Cover for damage caused by mud floods and snow
This is especially important if you live near a mountain. If you live in a high risk area, the premium will increase accordingly. You should check if your car insurance policy covers this type of damage as not all companies offer this cover.
If your car has a lot of optional equipment, you should check the car insurance policy that covers your optional equipment. Be sure to read the car insurance policy to see what is defined as optional equipment and coverage.
As mentioned earlier, it is a good idea to include marten teeth damage in your car insurance policy. Martin bites happen more often in Germany than you might think. They alone cause millions of euros worth of damage to car cables every year.
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You can also opt for additional protection that covers damage to other animals. This makes sense, especially if you live in a rural area.
Fortunately, I have never had an incident involving an animal. But my husband once hit a fox in the middle of the night while driving 200 km/h. His car was later damaged and the damage was covered by his car insurance.
If you have a new car, you should get a car insurance policy that pays the replacement value of your car in the event of a total loss. Replacement value is the full value of your car when you register it. The time value is the current value. Since a new car can depreciate very quickly, in the event of a total loss in the first few years, you will receive much less compensation if your car insurance only pays time value.
If you must travel with your car or do a lot of driving, it may make sense to include car breakdown insurance. Breakdown car insurance covers the cost if your car breaks down after an accident. This includes the cost of a rental car while your car is being repaired and the cost of transporting injured persons if necessary.
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When you get your car liability insurance you can add broken down car insurance as an additional insurance option. This is usually no more expensive than your normal car liability insurance (around 5 - 20 euros per year) and often covers you in other European countries.
Remember that towing your car without damaged car insurance costs between 135 and 300 euros. Therefore, it makes sense to get car insurance for families who want to go on vacation with their own car.
We recommend using Getsafe car insurance in Germany. Getsaf is very foreigner friendly and is the only car insurance in Germany in English. Getsafe car insurance plan is flexible. You can choose the appropriate level of coverage and deductible. You can get a 15 euro discount on registration by using our special link below.
The best thing about GetSafe is that, unlike other car insurance policies, your premiums won't increase even after an accident (unless you accumulate a lot of damage). Note that you can only use GetSafe if you are switching from another car insurance in Germany. Getsafe helps cancel your old insurance for you.
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