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Car insurance in Germany

In Germany we say: „The car is the German’s favorite 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 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). It is designed to cover costs that arise through an accident causing damage to a third-party when the accident is your fault and you are liable to pay for the damages. It does not cover any damage that has been sustained by your 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 the 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