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Project Expat
  • Project Expat
  • Oct 26, 2021

3 Car Insurance Options in Germany

As an English-speaking expat, navigating the world of car insurance in Germany can be overwhelming. Understanding the terminology can be difficult, and the laws and regulations are frequently different from what you may be accustomed to. Yet, in order to safeguard both you and your vehicle while traveling on German roads, you must have the appropriate car insurance.

We will give you a thorough explanation of everything you need to know about vehicle insurance in Germany in this blog, including the various kinds of plans that are offered, what is required by law, and how to locate the best insurance for your requirements.

3 Car Insurance Options in Germany MW Expat

In Germany we say: “The car is the German’s favourite child.” It just says, that Germans love their cars and that’s why we have numerous car insurance options and providers here.

We have three main insurance options for cars. These German vehicle insurance works with a system on no claims bonus (Schadenfreiheitsrabatt ‘SFR’), meaning the longer you drive without having an accident, the cheaper your insurance becomes.

The 3 Main Kinds of Vehicle Insurance Cover Available

Third-Party (Kfz-Haftpflichtversicherung)

This is the minimum requirement for you to register and legally drive a vehicle in Germany (and the EU). This insurance covers damages caused to a third party in an accident for which you are at fault. It does not cover damages to your own vehicle.

Third-Party Fire & Theft (Teilkaskoversicherung)

This is a complimentary insurance to your third-party insurance. It covers damage to your own vehicle arising through fires and explosions, theft of your vehicle (or parts), broken windscreens and windows, electrical short circuits, damage through martens, accidents with game (wild) animals and damage due to storms, hail, lightening and flooding. There are differences in the cover offered by different insurance companies. The basic rule is that the more cover they offer, the more expensive their premiums are.  It is important that you choose the amount of cover that could apply to you.

Full Comprehensive (Vollkaskoversicherung)

This is also complimentary to your third-party and fire & theft insurance. It offers you insurance cover for vandalism through a third-party and for the costs that incur to repair the damage to your vehicle if an accident was your fault.

Need help?

Our service partners from MW Expat Solutions are experts in the field of car insurances for expats in Germany. As an independent insurance broker, they work together with all the major insurance companies represented on the German market today. This places them in a position to find the insurance cover that most suits your needs at the best possible value for money.


Get in touch


phone: +49 89 2441729 0

email: office@mw-expat.com





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I think that would be a great initiative and an added value service for expats like myself.


What a great idea to set up a website for English-speaking ex-pat's in Munich to help with everyday challenges.


I am looking forward to your services in the mentioned topics in the survey.


Sounds exciting and we would definitely use it for a myriad of reasons. Particularly as we are getting ready to move to Germering and require all of these services. Specifically, sometimes it is hard finding doctors who speak English. And both Cecilia and I work with auslanders who do not speak German, either (and would as well be interested).