Understanding Types of Vehicle Insurance Cover in Germany

Whether you're a student with your first car or an international professional commuting across the country, understanding vehicle insurance in Germany is essential. You'll need proof of insurance before you can register a vehicle—and choosing the right coverage can save you significant money in the long run.

Here's what you need to know about the three main types of car insurance in Germany.

Car Insurance Is Mandatory

In Germany, car insurance (Kfz-Versicherung) is required by law. You cannot register a vehicle without presenting an EVB number—the electronic confirmation of insurance coverage.

While insurance is an added expense, it protects you from potentially catastrophic repair and liability costs if something goes wrong.

The 3 Types of Vehicle Insurance in Germany

Germany offers three main levels of coverage. Each provides different protection at different price points.

1. Third-Party Liability (Haftpflicht)

This is the minimum legal requirement for all drivers in Germany.

What's Covered	What's Not Covered
Damage you cause to other vehicles	Damage to your own car
Injury to other people	Your own medical expenses
Damage to others' property	Theft, fire, or natural disasters

Best for: Anyone who needs the cheapest possible option—but remember, you'll pay for any damage to your own vehicle out of pocket.

2. Partial Coverage (Teilkasko)

This mid-tier option includes third-party liability plus protection for certain types of damage to your own vehicle.

What's Covered
Everything in Haftpflicht
Theft of vehicle or parts
Fire and explosions
Broken windows and windscreens
Animal collisions (e.g., deer)
Storm, hail, flooding, lightning
Electrical issues and short circuits
Marten (stone marten) bite damage

Typical deductible: Around €150

Best for: Older but still valuable cars where comprehensive coverage isn't cost-effective.

Coverage details vary between providers. Compare what's included before choosing.

Need the right material insurance? Talk to an expert.

3. Comprehensive Coverage (Vollkasko)

The most complete protection available—covering everything in Teilkasko plus damage to your own car, even if you're at fault.

What's Covered
Everything in Teilkasko
Damage to your own vehicle (even if at fault)
Vandalism
Hit-and-run incidents
Some policies: major injury benefits

Typical deductible: €300–€500

Best for: New cars, high-value vehicles, or anyone who wants maximum peace of mind.

Comparing the Three Types

Feature	Haftpflicht	Teilkasko	Vollkasko
Legal requirement	✓	✓	✓
Covers damage to others	✓	✓	✓
Covers theft/fire	✗	✓	✓
Covers weather damage	✗	✓	✓
Covers your own accidents	✗	✗	✓
Covers vandalism	✗	✗	✓
Relative cost	Low	Medium	High

Which Coverage Should You Choose?

Your Situation	Recommended Coverage
Older car, low value	Haftpflicht (liability only)
Mid-age car, worth protecting	Teilkasko (partial)
New or high-value car	Vollkasko (comprehensive)
Leased or financed vehicle	Vollkasko (often required)

Tips for Choosing the Right Insurance

1. Compare multiple providers — Prices vary significantly for the same coverage

2. Check what's included — Teilkasko coverage differs between insurers

3. Consider your deductible — Higher deductibles mean lower premiums

4. Review annually — Your needs change as your car ages

5. Transfer your no-claims bonus — If you have accident-free years from abroad

Getting Started

Choosing the right vehicle insurance is about balancing protection and cost. Don't automatically choose the cheapest option—consider what you'd need to pay if something went wrong.

At Stay, we help international residents find the right car insurance for their situation. If you'd like personalised guidance, we're here to help.