German Car Insurance: Know Before You Go

What types of car insurance are available in Germany?

Car insurance in Germany is mandatory for all drivers and there are three main types of coverage to choose from:

Haftpflichtversicherung

This is the minimum level of coverage required by law and it covers damage to other people and their property in the event of an accident.

Teilkasko

This type of coverage includes Haftpflichtversicherung plus coverage for damage to your own vehicle caused by events such as theft, vandalism, or natural disasters.

Vollkasko

This is the most comprehensive level of coverage and it includes Haftpflichtversicherung and Teilkasko plus coverage for damage to your own vehicle caused by accidents, regardless of who is at fault.