Car insurance (Kfz-Versicherung) is one of the most important policies you can and must take out as a vehicle owner in Germany. Motor liability insurance (Kfz-Haftpflichtversicherung) is required by law: it protects other road users from the financial consequences of damage you cause with your vehicle. Without it, no vehicle can be registered in Germany.
But compulsory cover is only the start. If you also want to insure your own vehicle, you can choose between partial cover (Teilkasko) and comprehensive cover (Vollkasko). Partial cover applies to damage from theft, natural events such as hail or storms, collisions with wildlife and broken glass, no matter who caused the damage. Comprehensive cover goes a step further: it also pays for accident damage to your own vehicle that you caused yourself, as well as vandalism.
For most people the vehicle is one of the most expensive things they own, and they need it for work and family. Damage without enough insurance can quickly become a heavy financial burden. For newer or higher-value vehicles in particular, broad cover is worth having.
The premium depends on many factors: vehicle type and type class (Typklasse), the regional class of your home address (Regionalklasse), your personal no-claims discount (SF-Klasse), annual mileage, garage parking and more. Drivers with many claim-free years pay clearly lower premiums, so it pays to choose the right insurance early.
We help you find the right tariff, from the legally required liability cover up to a comprehensive package, with clear terms and no surprises.
Scope of cover by product line
Liability (all tariffs):
- Total cover: up to 100 million euros
- Personal injury: up to 15 million euros per injured person
- Environmental damage cover: 5 million euros per claim, max. 10 million euros per insurance year
- Damage to your own property in Direct/Direct Plus/Komfort: max. €100,000, Premium: max. €200,000
Partial cover:
- Theft and robbery: the vehicle and permanently attached parts, in Komfort/Premium also vehicle keys
- Animal damage: collisions with animals, animal bites including consequential damage (all species)
- Glass damage: repair without replacing the pane, with no excess
- New-value/purchase-price compensation: Direct/Direct Plus 24 months, Komfort 36 months, Premium 60 months
- Natural hazards: storm from wind force 7, hail, flooding, earthquakes, avalanches
- Fire and explosion: fire damage, explosion damage, scorching and singeing damage
- Car-sharing cover: difference compensation up to €1,000
- GAP cover: for leased or financed vehicles
- Electric vehicle cover: battery and charging accessories, in Komfort/Premium wallbox/induction plate
Comprehensive cover:
- Self-caused accident damage, vandalism, hacker attacks
- Battery protection (electric vehicles): all-risks cover
- Loss of value and operating damage (Premium only): from €1,000 repair costs in the first 4 years
Product lines Direct, Direct Plus, Komfort, Premium
Service:
- Direct/Direct Plus: Online portal MeinAccount with 24/7 service, digital contract management
- Komfort/Premium: Local agency with personal support, free hotline, a personal contact
Add-on modules:
- BonusDrive (telematics): up to 30% discount + 10% start bonus, optional in Komfort/Premium
- RabattSchutz: your no-claims class stays unchanged after a claim, Komfort/Premium
- FahrerSchutz: cover for the driver up to 15 million euros
- WerkstattBonus: 20% discount on the comprehensive/partial premium (Komfort/Premium)
- WerterhaltGarantie: extends new-value/purchase-price compensation, Komfort 48 months, Premium 60 months
- Premium Schutzbrief: breakdown assistance from your front door
- BeitragsSchutz: stable premium when type classes change
- AuslandsSchadenSchutz: claims settled under German law elsewhere in Europe
Savings tips and recommendations
Savings tips:
- Raise your excess: can lower the premium considerably
- Reduce your mileage: savings of up to 20% possible
- Choose WerkstattBonus: 20% discount (Komfort/Premium)
- Pay annually instead of monthly: discount on the premium
- Use BonusDrive: up to 30% premium discount for safe driving
- Check the type class: vehicles with a low type class are cheaper to insure
- No-claims years pay off: every claim-free year improves your no-claims class
- Compare insurers: switching by 30 November is often worthwhile
Recommendations by car type:
- New cars/one-year-old cars: Comprehensive cover recommended, with WerterhaltGarantie, BeitragsSchutz, WerkstattBonus
- Young used cars (>€4,000): Partial cover recommended, with WerkstattBonus, RabattSchutz
- Older used cars (<€4,000): Liability only, with FahrerSchutz, Premium Schutzbrief
- Electric cars: Partial or comprehensive cover, adequate battery protection is important
- Financed/leased cars: Comprehensive cover (usually required), with BeitragsSchutz
General:
- Allianz settles 99% of all comprehensive and partial cover claims within 5 days
- Insurance card available in your smartphone wallet
- QR code exchange possible after an accident
