Car Insurance in Germany | with claim service

Get the most suitable and economical Car insurance in Germany!

Car liability insurance is one of the mandatory German insurances. The Car insurance covers claims for damages that arise from the operation of a motor vehicle towards a third party (fault or liability). The damage can be caused, for example, by a traffic accident, for which the permitted driver of a motor vehicle is at fault and the consequences following it.

The owner of a motor vehicle is responsible regardless of his personal fault by the german law. The minimum sum by law is 7,5 Mio. € for personal injury to reimburse the losses of the third party. We offer you 100 Million € (hundred millon) for the car liability insurance as most car insurers in the market offer.

To get the best economical quote, please fill out the following form:

Please type her the prefered starting date of the insurance coverage. The usual contract period is one year.
We recommend partially comprehensive insurance for vehicles that are not financed by credit or leasing which are older than 5 years. The fully comprehensive insurance also replaces personal damage caused by yourself without the involvement of third parties.
We recommend that you choose a deductible to reduce your premium, which applies to each claim made. If you want to receive quotes with higher deductibles as listed here, please contact us via: KFZ@sichersicher.eu
The no-claims class is passed on from the previous insurer to the new insurer and provides information on how many years you have already been insured without any claims.
The no-claims class is passed on from the previous insurer to the new insurer and provides information on how many years you have already been insured without any claims.
You will find the identification number in the registration certificate (Zulassungsbescheinigung), part I, line B under point 2.1
You will find the identification number in the registration certificate (Zulassungsbescheinigung), part I, line B under point 2.2
You will find the identification number in the registration certificate (Zulassungsbescheinigung), part I, line B under point 2.2
We need this information to determine whether the GAP coverage is required, as you are still obliged to pay the installments in the context of credit or leasing contracts if the vehicle is lost due to a total write-off, for example.
The contribution levels are different for each insurer with regard to the annual mileage. It is advisable to check this once a year and adjust it if necessary.
In the event of a claim, the insurer uses this to calculate whether the annual mileage corresponds to the actual status. If the information is too low, the insurer can make deductions from the claims payment or other contractual adjustments.
Some insurers give discounts when there is home ownership.
We can offer you insurance protection in Germany and Austria.
The cover letter ensures your mobility for example if your vehicle breaks down and have to be towed to a workshop . Driver protection is an additional form of protection comparable to an accident insurance for the driver. The protection abroad is for customers who regularly travel outside of Germany or Austria and would like to be insured for a higher sum.
Please take note of the data protection declaration via https://sichersicher.eu/datenschutz/. We will explain to you to what extent we need your consent by sending the form and in which cases you have the right to revoke your consent regarding the use of data. By submitting the form, you consent to the data processing described there.

What are the mandatory insurance sums for car insurances in Germany?

The mandatroy minimum cover amounts according to § 4 PflVG (see appendix to § 4 para. 2) are 7.5 million € for personal injury, 1.22 million € for property damage and 50,000 € (as of 01.2018) for those who are neither directly nor indirectly involved Personal or property damage and related pure financial losses.

If the amount of damage exceeds the sum insured, the injured party is liable for the gap. That means, that the car owner, respectivly the driver has to reimburse the third party in full, regardless of his maximum insurance reimbursement or personal financial status.

The car liability insurance is always legally obliged to cover the cost of the injured party within the scope of the coverage. The insurer cannot rely on exemption in the event of gross negligence but can take regress from up to 5,000 euros per case.

Especially if the driver is drunk driving, unauthorized use or driver evasion. In the event of intent by the driver or insurerd (insurance fraud), the insurer is exempt from payment of the claim.

What is covered in the German Comprehensive car insurance (Kasko)

Comprehensive insurance is an voluntary supplementary insurance that covers damage to your own car.

What does the Partial comprehensive insurance (Teilkasko) cover?

  • Fire or explosion
  • Theft including burglary
  • Glass breakage
  • Damage to the wiring due to short circuit (scorching damage)
  • Animal bites of pipes and cables
  • Exposure to storm, hail, lightning or flood. This includes damage caused by the fact that objects are thrown onto or against the car by these forces of nature.

The annual premiums for comprehensive insurance for cars are based on the type classification. Partial comprehensive insurance does not have a no claim bonus system (in contrast to full comprehensive insurance).

What does the Full comprehensive insurance (Vollkasko) cover?

The Full Comprensive cover in teh car insurance covers:

  • Self-made own claims (while parking in your own parking lot as example)
  • Reimbursement of the new Value up to 36 months after registration of the car
  • Vandalism by third parties
  • Waiving of claims made by gross negligence.

5 factors which makes German Car insurance fee higher or lower?

The car insurance fee depends, among other factors, on the vehicle type , the regional class there the car is registered, and more as stated in our Form. The main factors the r Example:

  • Kilowatt / Horsepower over 250 KW
  • Value over 100,000 € of the car
  • the annual mileage (in Kilometer),
  • the age of the vehicle upon registration to the policyholder,
  • the age of the group of drivers; Drivers under the age of 23 or 25 and later up from 55 years onwards in particular are often classified as a high risk and are therefore relevant for the amount of the premium.

By agreeing an higher deductible, the insurance premium can be reduced. You can also reduce the insurance Fee by agreeing to use a repair shop / garage of the insurer network.

You want to buy a car, but the credit rates are to high? Get quotes for a car insurance loan via us and our over 400 finance partners in Germany.

If you also need consulting and information for health insurance options as a foreigner in Germany, you can go to our special website for health insurance products for Expats Sicher Sicher to Stay.