Car Insurance
Complete protection for your everyday driving
Full attention is required on the road, but if the worst happens, having good car insurance makes all the difference. We offer exactly the protection you need, from mandatory liability coverage to fully comprehensive cover, with add-on modules to tailor your policy to your vehicle and driving style. Recognized by FOCUS MONEY as the fairest car insurer and for our claims handling.
Benefits of this insurance
Premium advantages and favorable entry-level classifications.
Get exactly the coverage you need, without paying for more.
Manage your policy, documents and claims online, without paperwork.
5% discount for fully electric cars and 2.5% for hybrids, applied to both liability and comprehensive coverage.
Coverage comparison
| Liability | Liability + Partial Comp. | Liability + Fully Comp. | |
|---|---|---|---|
| Personal, material and financial damages | €100 million (flat, up to €15M per person) | €100 million (flat) | €100 million (flat) |
| Theft of the vehicle | |||
| Accidents, including self-caused | |||
| Vandalism | |||
| Gross negligence | |||
| Natural forces (storm, hail, flood) | |||
| Avalanches, mudslides and landslides | |||
| Fire and explosion | |||
| Glass breakage and windshield repair | |||
| Collision with animals of any kind | |||
| Animal bite and consequential damage (up to €3,000) | |||
| Short circuit in wiring and consequential damage (up to €3,000) | |||
| Co-insured accessories and electronics package | Up to €5,000 | Up to €5,000 | |
| Mobile navigation devices | |||
| Ferry crossing coverage | |||
| New-value compensation (up to 12 months) | |||
| No "new for old" deduction | |||
| Special Mallorca coverage | |||
| Protection for pure electric and hybrid cars (up to €25,000) | |||
| All-risk battery coverage (fully comprehensive, up to €25,000) |
Liability insurance (Haftpflicht) is legally mandatory in Germany; the other coverages are optional and build on top of each other.
Additional modules and benefits
Roadside assistance package — €12/year
Fast help for breakdowns, accidents or theft, at home and abroad: roadside assistance, towing (including electric vehicles), vehicle recovery, medical repatriation, rental car and more services — available around the clock, 365 days a year.
Foreign claims protection — €9.80/year
If you have an accident in Europe and compensation under local law would be lower than in Germany, we cover the difference as if the other driver were insured with us. We also handle the entire claims process for you.
Partner workshop service
Claims handled through professional partner workshops, a free replacement car during repairs, pick-up and drop-off service including a car wash, and up to six years of warranty on all work performed.
Driver protection
Financial security for drivers in self-caused or shared-fault accidents: lost income, household help, necessary home modifications and survivor pension for relatives, up to €15 million per claim.
Top protection package
Repair small parking damage up to €250 once a year without affecting your no-claims discount, extended new-value compensation of 24 months, vehicle accessories and electronics covered up to €10,000, and avalanche/landslide damage already included in partial comprehensive cover.
Premium protection package
Includes everything in the Top package plus 48-month new-value compensation, own damage (e.g. hitting your own garage door) up to €150,000, protection for bikes and sports equipment after a collision, coverage against tire vandalism, and value-loss compensation in the first four years.
What is covered
Liability insurance
Covers third-party claims for personal, material and financial damages caused with your vehicle. It is legally mandatory in Germany for every registered vehicle.
Partial comprehensive (Teilkasko)
On top of liability, covers damage to your own vehicle from theft, fire, natural events, animal collisions or short circuits.
Fully comprehensive (Vollkasko)
Includes everything above plus damage from self-caused accidents, gross negligence and vandalism.
What is not covered
Damage to your own car under liability only
Liability insurance never covers damage to your own vehicle; partial or fully comprehensive cover is needed for that.
Driving under alcohol or drugs
Damage caused while driving under the influence of alcohol or drugs is not covered, even under the gross-negligence provision of fully comprehensive cover.
Facilitated theft
If it is shown that the theft was made too easy (e.g. leaving the keys in the vehicle), compensation may be reduced or denied.
Real claim examples
Rear-end collision
After a long workday, a driver rear-ends the car in front. No one is hurt, but the other vehicle suffers significant damage. Liability insurance covers repairs and a rental car.
Vehicle theft
On vacation abroad, the car disappears from where it was parked. Since it is less than a year old, partial comprehensive cover reimburses the price of a new vehicle.
Vandalism
Someone deliberately scratches the bodywork overnight. Since several panels are affected, a full repaint is needed — fully comprehensive cover takes care of the cost.
Frequently asked questions
How much does car insurance cost?
The premium depends on many factors: the vehicle, the chosen coverage, and individual traits like age, driving experience and annual mileage.
Is the insurance valid abroad?
Liability coverage is generally valid throughout Europe and in countries covered by the green insurance card. Comprehensive cover usually applies only within Europe, though it can be extended.
What are regional and model classes?
Regional classes reflect claim frequency per district, model classes reflect it per vehicle model. Fewer claims mean a cheaper premium.
How is my second car classified?
This is possible if the first vehicle is already insured with us; the second car is usually classified at least in no-claims class SF 1/2, and in some cases even better.
How can I save money as a new driver?
By taking part in accompanied driving from age 17, carrying over the no-claims class from an existing motorcycle policy, or choosing a vehicle with a favorable model class.
From when is my car insured?
Thanks to the electronic insurance confirmation (eVB), provisional liability cover starts at registration — even before the first premium payment.
Ready to protect your vehicle?
Tell us what you need and we will help you find the right coverage for your car, with no obligation.
Request free advice