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Are you 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 more.
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Did you know that according to the Statistisches Bundesamt there were more than one million car accidents in Germany in the first half of 2020 alone? That means a bus accident happens every 15 seconds! And this statistic includes those accidents where the police were not involved.
Without car insurance, it can cost you a lot of money when you have a car accident in Germany.
If you are planning to buy a car in Germany, you should know that you cannot drive on the road before the car is registered. You can register your car in one of the following ways:
Even if you are moving from one German city to another, you need to register your car because your German number plate shows a city code that indicates where your car is registered.
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For example, a car registered in Munich has a number plate that starts with "M".
The documents required to register your car vary depending on whether you are registering a new car or a used car. However, you need at least two things: your ID and your eVB number.
The eVB number (elektronische Versicherungsbestätigung) is an electronic insurance certificate that proves that your car is insured when you register it. So you will need car insurance if you plan to drive in Germany.
If you want to drive in Germany you must have liability insurance. The insurance covers all damage or injury you cause to other people or other things, including medical expenses. However, it will not harm you or your car. It makes sense to have this insurance because even a minor accident can cost you dearly in Germany.
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Car liability insurance is the minimum legal requirement for driving in Germany so that people injured by cars can receive compensation.
It might be too loud. But, in reality, these minimum amounts of insurance are very low, especially when there is an accident that causes more injuries. In Germany it is recommended to have car liability insurance with a total insured amount between 50 and 100 million Euros. It is actually quite common for German car insurance companies to offer higher amounts of insurance these days.
Car insurance is not required by law in Germany. It includes auto liability insurance coverage, but with additional protection. For example, partial car insurance in Germany always covers:
Generally, you can also insure against damages caused by other animals and other natural hazards. It is also good to include marten bugs, as these animals cause a lot of damage to cars in Germany. Martens care about the temperature of your car's engine and love to chew on rubber and plastic (sticks and wires in your car).
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Therefore, partial car insurance basically covers damage caused by external factors, except that vandalism is not covered.
Car insurance is not required by law in Germany. It includes liability car insurance and partial car insurance coverage, but with more protection. Car insurance is the most comprehensive car insurance, and also the most expensive option.
German car insurance always covers damage to your car and injuries in the following cases:
Please note that if you finance your car with a lease or loan, you may be required to have car insurance in Germany.
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Partial car insurance and comprehensive car insurance are not required by law in Germany. However, it often means that they have. Partial car insurance is cheaper, but it doesn't cover all types of damage. Comprehensive car insurance has a wide range of coverage, but may not be worth it for every car.
Car insurance is recommended for new cars up to five years old. When you're spending a lot of money on your new car, it makes sense to have decent car insurance to protect it. Auto insurance will cover damage to your car, even if the accident was your fault.
On the other hand, if you have an old car that isn't worth that much anymore, it might not be worth paying that much for car insurance. You will need to consider the high cost of insurance and the value of your car to make a decision. Generally, partial car insurance is enough to protect older cars.
As mentioned earlier, if you finance your car with a lease or loan in Germany, you are often required to have car insurance. Although car insurance is not required by law, most organizations will require you to finance your car purchase with them. Car insurance is usually required by rental agencies as well.
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What additional features should be considered for car insurance in Germany? Cover for damages caused by rain and snow
This is especially important if you live near a mountain. If you live in a high-risk area, the premium will be higher accordingly. You should check which car insurance covers these damages, as not all companies offer this coverage.
If you have a lot of optional equipment in your car, you should look for car insurance that covers your optional equipment. Be sure to read your auto insurance policy to see what is defined as optional equipment and its coverage.
As mentioned earlier, it is a good idea to include mars damage in your car insurance policy. Letters of Mars happen a lot more in Germany than you might think. They alone cause tens of millions of euros worth of damage to car cables every year.
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You can also choose additional protection that covers damage from other animals. Does it make sense to do this, especially if you live in a rural area?
Fortunately, I have never had an accident with an animal. But my husband once hit a fox in the middle of the night while driving on the highway at 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 auto insurance that pays for the replacement value of your car in the event of a total loss. The transfer value is the full value of your car when you register it. Time value is present value. Because a new car can depreciate so quickly, if your car insurance only pays based on time value, you will receive much less compensation in the event of a total loss in the first few years.
If you need to take your car or drive a lot, you may want to include a tear-off sheet. Breakdown car insurance covers the cost if the car needs to be towed after an accident. This includes the cost of a rental car while your car is being repaired, and the cost of transporting injured people if necessary.
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Once you get your own car liability insurance you can add car wreck insurance as an additional insurance option. It is usually no more expensive than your regular car liability insurance (around €5-20 per year) and usually covers you in other European countries.
Please note that towing your car will cost between 135 and 300 Euro without breakdown insurance. Therefore, breakdown car insurance would also make sense for families who want to go on holiday with their car.
We recommend using Getsafe car insurance in Germany. Getsafe is a German-friendly and English-speaking car insurance company. Getsafe car insurance plan is affordable. You can choose the right level of coverage and deductible that is right for you. By using our special link below, you can get a 15 euro discount for registration.
One of the best things about Getsafe is that, unlike other auto insurance policies, your premium may not increase even after an accident (unless you accumulate severe damage). Please note that you can only use Getsafe if you are switching from another car insurance in Germany. Getsafe can help you cancel your old insurance.
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