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Car insurance in Germany - Expert opinion - Easy to understand



Expert opinion - Expertise in car insurance   

Best auto insurance in Germany

Planning on driving a vehicle in Germany? Expat opinion Find out what types of coverage you need with this handy Experts guide to car insurance in Germany. 


Autoversicherung in Deutschland

   All drivers in Germany must be covered by some sort of automobile insurance. you can't register a vehicle without it. If you're a long-term resident in Germany, you'll get to have German automobile insurance, albeit you brought your car to Germany from abroad; foreign automobile insurance doesn't suffice.


The price of automobile insurance in Germany depends on various risk factors, including the driver’s age, experience, and site, also because of the value and engine size of the car. If you've got barely learned to drive, as an example, your insurance is probably going to be costlier. it'd be worth opting to pay a better excess in exchange for lower monthly premiums.

Car insurance in Germany - Experts opinion - Easy to understand
Car insurance in Germany - Experts opinion - Easy to understand 


Expat-friendly automobile insurance providers


Not sure where to start? What sort of cover would be best for you? are you able to bring you no claims bonus with you from abroad? Joonko is Germany's first automobile insurance comparison platform to supply services in English, helping you to quickly and simply find which insurer best matches your personal needs.

Our other recommended automobile insurance providers also give friendly advice.

Car insurance providers:

RV24
AXA
Helvetia Versicherungen
DA Direkt

Motorcycle insurance providers:

Helvetia Versicherungen
DA Direkt
BarmeniaDirekt Versicherungen

Car insurance in Germany

Car insurance best auto insurance in Germany (Kfz Versicherung or autoversicherung) in Germany is compulsory for all drivers. If you drive in Germany, you'll need a minimum of third party insurance on your vehicle to urge it registered and obtain a German car place. Insurance certificates must be displayed within the vehicle in the least times.


Vehicle Insurance – Germany - Expat opinion

Germany has one among the most important auto insurance markets in Europe and therefore the largest overall motor market on the continent. There are around 90 vehicle insurance companies within the country consistent with 2016 statistics.

As with many European countries, you would like to ensure the vehicle instead of the driving force in Germany. However, some comprehensive policies allow insurance of multiple drivers for an equivalent vehicle.


Vehicle Insurance in Germany

Many German insurers allow second vehicle insurance on an equivalent policy. due to this, parents in Germany can insure vehicles belonging to their children because of the second car on their policy.

The Federal Financial Supervisory Authority (BaFin) regulates the German insurance market and most companies belong to the German Insurance Association (Die Deutschen Versicherer – GDV)


Car insurance in Germany - Experts opinion - Easy to understand
Car insurance in Germany - Experts opinion - Easy to understand 


Can you use automobile insurance from another country in Germany?

Drivers from EU/EFTA countries can use insurance from their home country. Those from outside the EU can sometimes use insurance from their home country if they need a world positive identification.


However, long-term residents in Germany will get to remove a German policy.


Types of automobile insurance in Germany

Types of automobile insurance in Germany

There are three main sorts of German car insurance: third party, partial cover, and comprehensive.

Your insurance cost is additionally suffering from the sort of canopy you select. There are three sorts of automobile insurance in Germany:


Third party (haftpflicht)

This is the minimum level of coverage required for drivers in Germany. It covers damage to other vehicles within the event of an accident, including medical costs. However, it doesn’t cover any of your own costs.


Partial cover (teilkasko)

Teilkasko covers everything included in third party coverage plus some costs associated with damage to your own vehicle, including theft plus fire and storm damage. However, it doesn't cover vandalism or any costs concerning accidents that are your fault.


Comprehensive (vollkasko)

As suggested by its name, this covers full costs including damage to your own and other vehicles in incidents that are your fault. Some vollkasko policies also cover additional costs like those concerning disability and death resulting from the accident.


Breakdown insurance (Schutzbriefversicherung)

You might also consider purchasing breakdown insurance, which covers the prices of getting your car towed within the case of a breakdown or accident. Some policies also provide a rental car while your car is being fixed.


No claims bonus (Schadenfreiheitsrabatt - SFR)

It may be possible to bring your no claims bonus with you from your home country, so as to scale back the general cost of your automobile insurance. it's an honest idea to request a letter from your insurance firm reception, attesting to your driving record. Your new insurance firm may accept this as proof for a no claims bonus.


Taking out German automobile insurance

The German automobile insurance market is fairly competitive, so it's worth shopping around to look for the simplest deals. A price comparison website can assist you to make a choice. it's usually possible to require out a policy online, by supplying a couple of personal details, like your driver's license number and your German checking account.


Getting your eVB number (elektronische Versicherungsbestätigung)

Once you've got chosen a provider and brought out a policy, the provider will issue you with an EVB number (elektronische Verischerungsbestätigung), usually via email. alongside your TÜV certificate and vehicle form, you would like to supply this number to the car registration authority so as to register your car.

Because of the breadth of coverage, this policy is that the costliest type. Some dealerships for brand spanking new cars enforce this as a minimum level policy.

Car insurance in Germany - Experts opinion - Easy to understand
Car insurance in Germany - Experts opinion - Easy to understand 


car insurance in Germany

Car insurance costs in Germany

As in other places, automobile insurance costs in Germany are supported a variety of various factors including:


driver age;

driver experience and record;

vehicle value;

number of drivers insured;

location (costs for bigger cities are usually more expensive);

vehicle use (including the purpose of use and the way frequently you'll drive)

You can reduce your annual premiums in various ways, including paying a better excess/deductible (the amount you pay towards any claim), paying the annual amount fully, or reactivating your no claims bonus.


Because of the varied factors involved in cost calculation, insurance premiums in Germany can vary rapidly from around €100 a year for third party coverage for cheaper or second-hand vehicles to over €1,000 a year for comprehensive coverage on top-range models.


Additional sorts of automobile insurance in Germany

You can remove optional extra sorts of automobile insurance in Germany. Most insurance companies will offer various add-ons including:

Car insurance in Germany - Experts opinion - Easy to understand
Car insurance in Germany - Experts opinion - Easy to understand 


Breakdown insurance – 

this covers the prices of your car being towed away within the event of a roadside breakdown. It also sometimes includes replacement vehicle costs and therefore the costs of transporting ill or injured people.

Legal insurance – 

covers legal expenses within the event of an event that goes to court.

Additional equipment coverage – 

if you carry or store expensive equipment in your vehicle, you'll cover the prices of injury or theft if you pay a better premium.

Extended elementary damage – 

if you reside or travel near mountainous areas, you'll need this to guard against the danger of injury thanks to avalanches or extreme snowfall.


Car insurance bonuses and penalties in Germany

Germany features a no claims bonus system (schadenfreiheitsklasse) which entitles drivers who have gone a year or more without making any claim to a reduction on their annual premium.


Exact discounts can vary between insurers but as a rough guide you'll be entitled to:


up to 35% off annual costs if one year without making a claim;

around 45% off if 3 years without making a claim;

approx. 50% off if 5 years without making a claim;

up to 80% off if 15+ years without making a claim

You can often carry over no claims periods from other insurance companies, including companies from abroad. If you're moving to Germany from overseas and need to transfer a no claims bonus, it's an honest idea to request a letter from your previous insurer attesting to your no claims period.


Companies also often penalize drivers with a poor driving record. Expect to pay an increased premium if you:


are a young or inexperienced driver;

have been in an accident where you were at fault;

have any points on your license for violations like speeding or drink driving

Car insurance companies in Germany


There are around 90 automobile insurance providers in Germany so it pays to buy around for the simplest deal. a number of the foremost popular companies include:


AXA

DA Direkt

Helvetia Versicherungen

RV24

You can compare insurance policies from German companies by using comparison websites like Financescout 24 or Joonko.


Look for insurance companies in our German directory

How to choose automobile insurance in Germany

You can take a variety of various factors under consideration beyond the premium costs when buying automobile insurance in Germany. These might include:

No-claims bonus – what discounts are offered and what's the policy around transferring bonuses from elsewhere?;

Policy coverage – what's excluded from standard coverage, can this be added on if necessary, and at what cost?;

Excess/deductible options – what's the mandatory excess and what are the choices for selecting to extend it?;

Company reputation – how does the corporate perform in reviews and what's the customer feedback like?;

Claims process – how straightforward is it, what's involved and what do the reviews say about how it works in practice?;

Roadside assistance – does the corporate offer an honest breakdown assistance policy?


How to apply for automobile insurance in Germany

To take out German automobile insurance, you'll get to provide:


your driver's license number

personal ID like a passport

other personal information concerning your driving history

bank account details (if paying by direct debit)

documents concerning vehicle purchase (some insurers may invite these)

Most insurance companies allow you to get a policy online. If you are doing this, you ought to receive your insurance details electronically within 24 hours.


car insurance in Germany

Best auto insurance in Germany

Upon purchasing auto insurance, you ought to receive:

your EVB insurance number (Elektronische Versicherungsbestätigung) and policy information;

EU accident statement form to use within the event of an accident


How to make an automobile insurance claim in Germany

If you would like to form a claim together with your insurer, you ought to contact them as soon as possible. Claims concerning accidents should be filed within 2 weeks of the accident. You should:


exchange details with the opposite party or parties involved within the accident;

take pictures of any damages;

take contact details of any witnesses to the incident;

fill within the accident report form to undergo your insurer;

call the police as long as the accident has resulted in serious injuries or if the opposite party isn't present (e.g. if you've got crashed into a parked car or someone else’s property and caused extensive damage);

call an ambulance if anyone is seriously injured and wishes hospital treatment

You will get to send the relevant information to your insurer and that they will allow you to know if you would like to supply any longer information. Claims should be resolved within 3 months. The insurer usually sorts costs out directly with companies involved (e.g. auto repair garages).


If you would like to file a claim with the opposite party’s insurer and that they don’t provide you with insurance details, you'll find them by providing the car place number to the headquarters of Car Insurers. This headquarters also can provide you with the necessary details of insurance claims representatives in other EU member states do you have to be involved in an accident in another EU country.


Canceling a contract or changing provider

Beware as many German automobile insurance contracts renew automatically. you always got to provide a minimum of one month’s notice if you would like to cancel a contract or switch to a different provider.


You can terminate an insurance contract early under exceptional circumstances. These include:


increased premiums. The insurance firm is obliged to supply a minimum of one month’s notice for any premium increases. Most policies in Germany run from 1 January so you ought to receive notification of increase no later than 30 November.

if you're not proud of your insurer’s handling of a claim. you'll get to provide details in writing. If the insurer contests this, you'll get to undergo a proper complaints procedure.

sale of the vehicle. The purchaser of the vehicle automatically takes on the prevailing policy but has the proper to cancel as long as they will confirm the acquisition of coverage with another insurer.


Making a complaint a few automobile insurance companies in Germany

German auto insurance companies are obliged to simply accept automobile insurance applications under the Compulsory Insurance Act (Section 5/2). However, there are instances where they will refuse to supply policy, like if the applicant has previously taken out a policy with them and violated the terms of the contract.


car insurance in Germany

If you are feeling that you simply are unfairly treated by an automobile insurance company in Germany or aren't proud of the services provided, you'll file a politician complaint. The procedure for doing this is:


write to the complaints department of your insurer within the first instance.

if you receive no reply or are unhappy with the result, you'll escalate the complaint to BaFin. you'll find information on the way to do that here.

you can also complain via the Insurance Ombudsman for an independent and free out-of-court resolution.

if you're still not proud of out-of-court outcomes, you'll take the case to court. However, this suggests that you simply are going to be liable for your own legal fees.

Roadside assistance in Germany

ADAC (Allgemeine Deutsche Automobil-Club) and AvD (Automobil-Club von Deutschland) are the 2 main automobile clubs offering national breakdown and recovery services. Basic membership costs for ADAC are €54 a year, with costlier premium membership offers also available.

Driving Finance Insurance Car insurance in Germany

German motorways assistance is often called freed from charge from emergency phones alongside the roads. If you’re involved in an accident, call the police on 110 or call 112 for an ambulance. additionally, to the present, don’t forget that it’s illegal to go away from the scene of an accident without getting help.


Driving in Germany needs car insurance (third-party, partial, or comprehensive). Find out how to take out car insurance and get an eVB number.

Experts for Expats

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