Car insurance in Germany

Car insurance in Germany

Car insurance in Germany is a mandatory requirement for all drivers. Without an insurance policy, it is impossible to register a vehicle and legally use it on the country's roads. The German car insurance system provides for several levels of coverage, from mandatory liability insurance (Haftpflicht) to extended insurance protection (Teilkasko, Vollkasko). Choosing the right insurance and arranging it can be difficult, especially for foreigners. In such cases, legal assistance plays a key role in protecting the driver's rights and avoiding possible problems with insurance companies.

Legal stages of registration of car insurance in Germany

Car insurance in Germany is an important and mandatory process for all vehicle owners, which consists of the following stages:

• Legal advice on registration of car insurance in Germany
• Checking documents and preparing the necessary papers: The first stage of a lawyer for registration of car insurance in Germany is the collection and verification of all necessary documents. These include: passport, driver's license, vehicle documents (e.g. Zulassungsbescheinigung Teil I and Teil II, which is similar to the registration certificate), as well as information about previous insurances, if any.
• Choosing the type of insurance: There are several types of car insurance in Germany: Kfz-Haftpflichtversicherung (compulsory third-party liability insurance) is a compulsory insurance that covers damage caused to third parties. Teilkaskoversicherung (partial casco) is a voluntary insurance that covers damage from theft, fire, natural disasters, etc. Vollkaskoversicherung (full casco) is the most comprehensive insurance that covers all types of damage, including damage to the owner's car itself as a result of an accident. Comparison of insurance companies and rates: At this stage, lawyers for car insurance in Germany compare offers from various insurance companies. Comparison helps to choose the best insurance in terms of price and conditions.
• Registration of the insurance contract: After choosing the insurer and type of insurance, you must sign the insurance contract. The contract must clearly state all insurance conditions, exclusions, liability limits and insurance costs.
• Obtaining an eVB-Nummer (electronic insurance number): After concluding the insurance contract, you will receive an eVB-Nummer - a unique code that must be provided to the Zulassungsstelle (registration office) to register the car.

To avoid mistakes and get the most favorable conditions, it is worth adhering to a clear sequence of actions. Involving a lawyer will help you understand the nuances of insurance contracts, compare market offers and avoid possible risks.

Under what conditions can the service of obtaining car insurance in Germany be provided?

The process of obtaining car insurance in Germany can be started under the following conditions:

1. A valid driver's license: To obtain car insurance in Germany, you must have a valid driver's license.
2. The car must be registered in Germany: Insurance can only be issued for cars registered in Germany. This requires the provision of vehicle registration documents.
3. Clean insurance history: Some insurers may request information about previous insurance claims. In the absence of serious violations or frequent insurance claims, the insurance conditions may be more favorable.
4. Age and experience of the driver: Most insurance companies provide services only to drivers over 18 years of age with a certain minimum driving experience.

Compliance with the basic requirements of insurance companies is the key to successful policy issuance.

Under what conditions can the service of obtaining car insurance in Germany not be provided?

Incorrect or invalid vehicle documents: Insurance cannot be issued if the vehicle documents are invalid or have errors.

The vehicle has not passed the technical inspection (HU): In order to receive insurance, the vehicle must pass the mandatory technical inspection. Otherwise, the insurance company may refuse to provide the service.

Serious violations or criminal cases related to driving: Drivers with serious traffic violations or convictions related to driving may be refused insurance. 

How to independently obtain car insurance in Germany?

Independently obtaining car insurance in Germany is a quite realistic task if you know the main steps:

1. Studying the terms of different insurance companies: In order to independently apply for insurance, it is important to study the terms offered by different insurance companies. This can be done online or using online calculators. Find out the list of documents for applying for car insurance in Germany.
2. Consulting with experts: If you have any difficulties or questions, you can consult an insurance agent or specialist who will help you understand the terms and choose the best option.
3. Comparing rates and services: Use online platforms to compare insurance rates. They allow you to see the differences in cost and conditions, which will help you make the right choice.
4. Filling out an online insurance application: Many insurance companies in Germany provide the opportunity to apply for insurance online. It is convenient and saves time.

The process of obtaining insurance online greatly simplifies obtaining a policy, but requires careful selection of insurance conditions. If you have doubts about a specific clause of the contract or difficulties in submitting documents, it is better to seek advice from a lawyer.

Frequently asked questions about car insurance in Germany

What does the cost of obtaining car insurance in Germany depend on?

The price of the service of obtaining car insurance in Germany depends on several factors. First, on the complexity of the situation: a standard consultation will cost less than support in the event of a refusal by the insurance company or an appeal of the terms of the contract. Second, on the level of qualification of the lawyer and his specialization - experienced lawyers in international insurance law may have higher fees. Third, the price depends on the volume of services provided: a one-time consultation or full support of the case will have different costs.