Motor Vehicle Insurance in Germany
If you own a car or motorcycle in Germany, you must have motor vehicle liability insurance—without it, you cannot register your vehicle. This insurance covers personal injury, material damage, and property loss if you cause an accident.
Types of Car Insurance
In Germany, the cost of car insurance depends on factors such as vehicle type, age, and driving history. Besides basic liability insurance, you can opt for Teilkasko (Partial Comprehensive Insurance) or Vollkasko (Full Comprehensive Insurance) for more extensive coverage. These policies offer additional protection for a range of potential incidents, ensuring peace of mind for drivers in various situations.
Teilkasko (Partial Comprehensive Insurance)
Teilkasko covers damage to your vehicle from events such as theft, fire, explosions, storms, hail, flooding, collisions with animals, and damage like broken glass or short circuits. This is a more affordable option for those with older vehicles or those seeking moderate protection. It provides solid coverage while keeping premiums lower compared to full insurance options. It’s especially beneficial for drivers who want a reasonable level of protection without paying for the full coverage of a more expensive policy.
Vollkasko (Full Comprehensive Insurance)
Vollkasko includes everything from Teilkasko, plus coverage for accidents (even if you’re at fault) and vandalism. This option is recommended for new or high-value cars, as repair costs can be high. It offers a higher level of security against a wider range of damages, making it an ideal choice for car owners who want maximum protection. Vollkasko ensures you’re covered in nearly any scenario, giving you peace of mind on the road.
Cost, Deductibles, and Breakdown Insurance
The cost of insurance depends on your deductible, with Teilkasko having a typical deductible of €150 and Vollkasko ranging from €300 to €500. A higher deductible lowers your monthly premium, but increases your out-of-pocket costs if you file a claim. Additionally, car breakdown insurance, which covers towing, roadside assistance, rental cars, and transport for injured passengers, is an optional add-on that can be useful for frequent drivers and those on long trips.
