Car Insurance
starts at /
€ 9,10/mo.
✓ Costumer Care ✓ Free Consulting ✓ Online accessibility
- Person: 1
- Duration : 1-2 years
Car insurance in Germany, known as “Kfz-Versicherung” or “Autoversicherung,” is a type of insurance coverage designed to protect vehicle owners from financial losses resulting from accidents, theft, or damages to their vehicles. In Germany, car insurance is a legal requirement for all vehicles that are registered and operated on public roads.
Key features of car insurance in Germany include
Liability Insurance (Haftpflichtversicherung)
Liability insurance is the mandatory component of car insurance in Germany. It covers the policyholder’s legal liability for bodily injury, death, and property damage caused to third parties in the event of an accident where the policyholder is at fault. This insurance does not cover damages to the policyholder’s own vehicle.
Comprehensive Coverage (Vollkaskoversicherung)
Comprehensive coverage is optional but highly recommended, especially for newer and more valuable vehicles. It includes coverage for damages to the policyholder’s own vehicle, regardless of fault. This coverage extends to accidents, theft, vandalism, natural disasters, and other non-collision incidents.
Partial Coverage (Teilkaskoversicherung)
Partial coverage is another optional insurance type that covers specific risks, such as theft, fire, hail, vandalism, and damages caused by wildlife. It does not provide coverage for damages resulting from collisions.
Personal Accident Coverage (Insassenunfallversicherung)
This optional coverage provides financial protection for the policyholder and passengers in case of injuries or death resulting from an accident. It can help cover medical expenses, disability benefits, and survivor benefits.
No-Claims Bonus (Schadenfreiheitsrabatt)
Car insurance policies in Germany often include a no-claims bonus, which rewards policyholders with lower premiums for each claim-free year. The no-claims bonus can lead to significant premium reductions over time.
Deductibles (Selbstbeteiligung)
Some car insurance policies may include a deductible, which is the portion of the claim amount that the policyholder must pay out of pocket before the insurance coverage kicks in.
Car insurance premiums in Germany are determined based on various factors, including the policyholder’s age, driving experience, location, vehicle make and model, usage patterns, and claims history. Premiums can vary significantly between different insurance providers, so it’s essential for vehicle owners to compare offers from multiple insurers to find the most suitable coverage at the best price.
Include
- Deductibles (Selbstbeteiligung)
- No-Claims Bonus (Schadenfreiheitsrabatt)
- Partial Coverage (Teilkaskoversicherung)
- Comprehensive Coverage (Vollkaskoversicherung)
- Liability Insurance (Haftpflichtversicherung)
starts at /
€ 9,10/mo.
✓ Costumer Care ✓ Free Consulting ✓ Online accessibility
- Person: 1
- Duration : 1-2 years
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