Automobile Insurance
Comparison Germany

In Germany, every car must have at least liability insurance (Haftpflicht). This covers damage you cause to others. You can optionally add Teilkasko (partial) or Vollkasko (comprehensive) to protect your own vehicle. Policies typically run for one year and renew automatically.

Key factors include: your vehicle's type class (Typklasse), regional class based on your address (Regionalklasse), your claims-free years (SF-Klasse), annual mileage, age of drivers, whether the car is garaged, and the coverage level you choose.

You can switch after: premium increases by your insurer, a claim, or selling/buying a car. Otherwise, the normal switching window is giving notice by November 30th for a January 1st switch. Some insurers offer mid-year switching under special conditions.

The eVB (elektronische Versicherungsbestätigung) is a 7-character code proving you have valid insurance. You need it to register a car at the Zulassungsstelle. When you sign up for insurance, you receive this number immediately by email or SMS.

It depends on your car's value and age. Vollkasko is recommended for new cars (especially leased or financed) and valuable vehicles. Teilkasko is good for mid-range cars. For older cars with low value, liability-only (Haftpflicht) may be most cost-effective.