Types of Car Insurance in Germany
Understanding Haftpflicht, Teilkasko, and Vollkasko - the three coverage levels every driver in Germany needs to know.
Understanding German Car Insurance
Germany has three distinct types of car insurance. Only Haftpflicht (liability) is legally required, but many drivers choose additional protection through Teilkasko or Vollkasko coverage.
Tip for Expats
If you're new to Germany, the insurance terminology can be confusing. Haftpflicht = Liability, Teilkasko = Partial Comprehensive, Vollkasko = Full Comprehensive. Compare all three to find your ideal coverage!
The 3 Types of German Car Insurance Explained
Haftpflicht
Liability Insurance
- Covers damage you cause to others
- Pays for third-party injuries
- Legally mandatory in Germany
- Does NOT cover your own car
Best for: Older cars with low value
Teilkasko
Partial Comprehensive
- Everything in Haftpflicht PLUS:
- Theft and fire damage
- Storm, hail, and flooding
- Wildlife collision (Wildunfall)
Best for: Cars 3-7 years old
Vollkasko
Full Comprehensive
- Everything in Teilkasko PLUS:
- Accidents you cause yourself
- Vandalism damage
- Hit-and-run incidents
Best for: New or financed cars
Coverage Comparison at a Glance
| Coverage | Haftpflicht | Teilkasko | Vollkasko |
|---|---|---|---|
| Third-party damage | âś“ | âś“ | âś“ |
| Fire & theft | âś— | âś“ | âś“ |
| Natural disasters | âś— | âś“ | âś“ |
| Wildlife collision | âś— | âś“ | âś“ |
| Self-caused accidents | âś— | âś— | âś“ |
| Vandalism | âś— | âś— | âś“ |
Find Your Ideal Coverage Level
Compare Haftpflicht, Teilkasko, and Vollkasko prices from top German insurers.
Which Type Should You Choose?
Choose Haftpflicht Only If:
- • Your car is older than 10 years
- • The car's value is under €2,000
- • You want minimum legal coverage
- • Budget is your primary concern
Choose Teilkasko If:
- • Your car is 3-7 years old
- • You park outdoors often
- • You drive in rural areas (wildlife risk)
- • You want balanced protection and cost
Choose Vollkasko If:
- • Your car is new or under 3 years old
- • You have a financed or leased vehicle
- • You're a new driver (higher accident risk)
- • You want maximum peace of mind
Special Tip for Expats:
- • Start with Vollkasko if you're new to German roads
- • Transfer your no-claims bonus if possible
- • Downgrade to Teilkasko after 2-3 years
- • Consider higher deductible to save money
Frequently Asked Questions
What is the difference between Teilkasko and Vollkasko?
Teilkasko covers your car against theft, fire, storms, and animal collisions. Vollkasko includes everything in Teilkasko PLUS covers accidents you cause yourself and vandalism damage.
Is Vollkasko worth it for older cars?
Generally, Vollkasko is not cost-effective for cars older than 5-7 years. As your car depreciates, the premium may exceed potential payouts. Consider switching to Teilkasko or Haftpflicht only.
Can I switch between insurance types?
Yes! You can upgrade or downgrade your coverage at any time. Most policies allow changes at contract renewal (usually November 30). Some insurers allow mid-year changes with adjusted premiums.
Does Haftpflicht cover my passengers?
Yes, Haftpflicht covers injuries to your passengers in accidents. However, it does NOT cover damage to your own vehicle or injuries to yourself as the driver.
Related Insurance Guides
Ready to Choose Your Coverage?
Compare Haftpflicht, Teilkasko, and Vollkasko prices from top German insurers and find the perfect protection for your vehicle.