Obtaining car insurance in Germany is a necessary step for every vehicle owner, as insurance is legally required before driving on public roads. German car insurance policies cover different types of protection, with liability insurance being mandatory and additional options available for greater coverage. This guide will help you navigate the process of getting car insurance in Germany, including the requirements, types of coverage, and steps to find the best policy for your needs.
1. Understand the Types of Car Insurance in Germany
German car insurance offers three main types of coverage:
- Liability Insurance (Haftpflichtversicherung): This is the minimum legal requirement in Germany. It covers damage or injury caused to others and their property in the event of an accident but does not cover damage to your own vehicle.
- Partial Coverage (Teilkasko): This optional coverage includes liability and adds protection for specific incidents such as theft, fire, and natural disasters. However, it does not cover self-inflicted damage.
- Comprehensive Coverage (Vollkasko): The highest level of coverage, which includes liability, partial coverage, and additional protection for self-caused damages and vandalism. This is ideal for newer or high-value vehicles.
2. Gather the Required Documents
Before applying for car insurance, make sure you have the following:
- Driver’s License: Both EU and non-EU licenses are generally accepted, but international license holders may need a German translation.
- Vehicle Registration (Fahrzeugschein): This document is essential as it contains important information about your car.
- Bank Information: Most insurance companies in Germany require a local bank account for payment processing.
- No-Claims Bonus Proof: If you have a claims-free history with a previous insurer, it may qualify you for a discount.
3. Consider Additional Factors Affecting Insurance Costs
Insurance premiums in Germany depend on several factors:
- Vehicle Model and Age: Luxury or high-performance vehicles generally attract higher premiums.
- Driver’s Experience: Younger or less-experienced drivers often face higher rates.
- Place of Residence: Urban areas may have higher premiums than rural locations due to higher accident rates.
- No-Claims Discount (Schadenfreiheitsrabatt): This discount is given to drivers who have a clean driving record without claims over the years.
4. Get an eVB Number
When you decide on an insurance provider, they will issue an eVB Number (Elektronische Versicherungsbestätigung). This unique code is required by the vehicle registration office as proof of insurance. The eVB number is sent electronically to the relevant authorities, allowing you to register your vehicle.
5. Register Your Vehicle (Kfz-Zulassung)
With the eVB number, you can proceed to register your vehicle at the local vehicle registration office. Bring along all necessary documents, including your driver’s license, proof of insurance (eVB number), and vehicle registration papers.
6. Compare Insurance Providers
German car insurance is offered by numerous providers, including Allianz, HUK-Coburg, AXA, and others. To find the best policy:
- Use Comparison Websites: Websites such as Check24, Verivox, or Preisvergleich.de allow you to compare rates and coverage.
- Look for Customer Reviews: Read reviews and ask friends or colleagues for recommendations.
- Consider Adjusting Coverage Levels: If you drive less frequently, choosing partial coverage may help save on costs.
7. Purchase and Finalize Your Insurance Policy
Once you’ve selected a provider and agreed to the terms, you’ll sign the insurance contract. Be sure to understand the cancellation terms, which are typically set at one year, with automatic renewal unless terminated.
Conclusion
Obtaining car insurance in Germany is straightforward when you understand the steps and have the necessary documents. With careful comparison, you can find a policy that fits both your coverage needs and budget. Whether you choose basic liability or comprehensive coverage, car insurance is an essential part of responsible car ownership in Germany.