Car Insurance for Expats in Germany: A Complete Guide

Expats moving to Germany need to understand the country's car insurance system in order to comply with local regulations and ensure that their vehicles are properly covered. This article provides a comprehensive guide for expats on how to navigate the German car insurance system, including the legal requirements, types of coverage, and how to find the best policy.

1. Understanding the Legal Requirements for Car Insurance in Germany

In Germany, car insurance is mandatory for all vehicles on the road. The minimum legal requirement is third-party liability insurance (Haftpflichtversicherung), which covers damages and injuries caused to others in the event of an accident. This insurance is essential for expats who want to drive legally in Germany.

Without third-party liability insurance, you cannot register a car or legally drive in Germany. Failing to comply with this law can result in fines and other legal consequences.

2. Types of Car Insurance in Germany for Expats

Expats have the same insurance options as German residents when it comes to car insurance. The three main types of car insurance are:

• Third-Party Liability Insurance (Haftpflichtversicherung): This is the minimum legal requirement. It covers the costs of damages to other people, vehicles, and property in the event of an accident. However, it does not cover any damages to the driver’s own vehicle.

• Partial Coverage Insurance (Teilkasko): Partial coverage provides additional protection for the driver’s own vehicle in situations such as theft, fire, vandalism, and natural disasters. It does not cover damages resulting from the driver’s own mistakes.

• Comprehensive Coverage Insurance (Vollkasko): Comprehensive coverage is the most extensive and expensive form of insurance. It covers third-party liability, partial coverage, and damages to the driver’s own vehicle, even if the driver is at fault.

3. How to Obtain Car Insurance as an Expat in Germany

To obtain car insurance in Germany, expats must first register their vehicle with the Zulassungsstelle (Vehicle Registration Office). As part of the registration process, you will need to provide proof of insurance (the eVB number). You can obtain the eVB number from your insurance company.

In addition to the eVB number, you will need several other documents, including your passport, proof of residence in Germany (Meldebescheinigung), and vehicle registration certificate (Zulassungsbescheinigung).

4. Factors to Consider When Choosing Car Insurance in Germany

When selecting car insurance in Germany, expats should consider several factors to ensure they get the best deal:

• Coverage Needs: Expats should carefully consider the level of coverage they need based on their driving habits, the value of their car, and their budget. If the car is new or has high value, comprehensive coverage may be a good choice. For older cars, partial coverage may be sufficient.

• Insurance Provider: It’s important to research different insurance companies and read reviews to find a reputable provider with good customer service. Comparing quotes from multiple providers can help you find the most competitive rates.

• Discounts and Bonuses: Many insurers offer discounts for safe driving, no-claims history, or installing security features like alarms and GPS systems. Expats should ask about any discounts they may be eligible for.

5. Conclusion

Car insurance is a legal requirement for all drivers in Germany, including expats. By understanding the different types of coverage and the factors that influence premiums, expats can make informed decisions about their car insurance and ensure they have the right level of protection at an affordable price.