Insure car and motorcycle together in Germany 2026
If you ride a motorcycle and drive a car, you can place both with the same German insurer. That often lowers the premium, simplifies admin, and improves the no-claims class for the second vehicle.
Last updated: May 21, 2026 · meinetarife24 Editorial Team
Key Takeaways
Third-party liability is mandatory before you register a vehicle (PflVG § 1). The same rule applies to motorcycles.
Car and motorcycle usually have separate no-claims classes. With the same provider, the second vehicle is often rated more favourably from the start.
Registration requires an electronic insurance confirmation (eVB number, FZV § 23). The insurer sends it by email or SMS, usually within minutes.
Looking to insure only one vehicle? Use our car insurance pillar page or the motorcycle insurance pillar page instead.
Key German insurance terms
Note for newcomers to Germany
Before you register a vehicle at the Zulassungsstelle, you need a third-party liability policy. The insurer then issues an eVB number, which you take to the registration office to collect your plates.
Step by step:
- Compare tariffs for car or motorcycle.
- Sign the policy online. The eVB number arrives by email or SMS.
- Take the eVB number and your vehicle documents to the Zulassungsstelle.
- Pick up your plates and register the vehicle.
More in our guides eVB number step by step and Type classes 2026.
Why bundle car and motorcycle insurance?
A bundle policy or second-vehicle contract pays off most when both vehicles are registered to the same address and the insurer offers a multi-vehicle discount.
Multi-vehicle discount
Many German insurers grant a premium discount when car and motorcycle are with the same provider. The exact discount is set in the insurer’s general conditions.
Better SF-Klasse for the second vehicle
A second-vehicle contract often starts with a better no-claims class than a first contract. The rule depends on the tariff.
One contact point
Claims for both vehicles run through the same provider. That cuts down phone calls and keeps paperwork in one place.
Note: The exact multi-vehicle discount and the transferability of the no-claims class are defined in each insurer's general conditions (AKB) and differ by provider.
Three coverage levels compared
Car and motorcycle insurance both use the same three coverage levels. Only the first is mandatory; partial and comprehensive cover are optional.
Liability (Haftpflicht)
Mandatory for every vehicle
Covers damage you cause to others. Includes personal injury, property damage, and pure financial loss.
- Personal injury: EUR 7.5 million
- Property damage: EUR 1.22 million
- Financial loss: EUR 50,000
Source: Pflichtversicherungsgesetz § 4 Abs. 2. More in our car liability insurance guide.
Partial cover (Teilkasko)
Theft and natural hazards
Extends protection to damage to your own vehicle that you did not cause yourself.
- Theft and break-in
- Fire and explosion
- Hail, storm, flood
- Glass damage and animal collisions
More in our car insurance cost guide.
Comprehensive (Vollkasko)
Self-caused damage included
Includes everything in partial cover plus damage you cause yourself or vandalism.
- All partial cover benefits
- Self-caused accidents
- Vandalism
Tip: For older vehicles with low market value, partial cover is often enough. See our car insurance checklist.
What drives the premium?
Several factors interact for both cars and motorcycles. The German Insurance Association (GDV) publishes the type and regional class lists each spring.
No-claims class (SF-Klasse)
The longer you stay claim-free, the lower the premium. Car and motorcycle are usually rated separately.
Type class (Typklasse 1–25)
Set by your specific vehicle model. The GDV publishes updated lists each spring.
Regional class
Your registered postcode determines the regional risk. Big cities usually pay more.
Annual mileage
Driving less often means a lower premium. Wrong figures can cause issues in a claim (VVG § 19).
Driver age
Drivers under 23 usually pay a surcharge because the statistical accident risk is higher.
Deductible
A higher deductible lowers the premium. Common levels are EUR 150, 300, or 500.
Six levers to lower the premium
These options apply to both car and motorcycle. The actual impact depends on your provider and personal profile.
Cancelling before 30 November lets you switch on 1 January. Premiums between providers vary widely.
A deductible of EUR 500 instead of EUR 150 lowers the kasko premium. Finanztip considers the effect noticeable from EUR 300 upward.
If only you and your spouse drive, list this clearly. A wide driver circle makes the tariff more expensive.
Monthly or quarterly payments often carry a surcharge. Annual payment saves around 3 to 8 percent at many providers.
Agreeing to a partner workshop in case of a claim reduces the premium with many insurers.
Ride only from April to October? A seasonal plate keeps free dormant insurance for the off-months.
Frequently asked questions about car and motorcycle insurance in Germany
Answers to the common questions about bundle policies, no-claims class, and seasonal plates.
Disclosure (§ 5a UWG): meinetarife24.de is an independent comparison and guide portal. When you sign a contract through our comparison tools, we earn a commission from our partners CHECK24 and Tarifcheck. There are no extra costs for you.
meinetarife24.de is not an insurance broker as defined in § 34d GewO. The comparison tools are provided by our partners. The tariffs shown come directly from the respective insurers.
Sources for this guide: Pflichtversicherungsgesetz (PflVG), Versicherungsvertragsgesetz (VVG), Straßenverkehrsgesetz (StVG), Fahrzeug-Zulassungsverordnung (FZV), Gesamtverband der Deutschen Versicherungswirtschaft (GDV), Stiftung Warentest, Finanztip, Verbraucherzentrale, and BaFin. Content reviewed annually. As of: 21 May 2026.