Property & Motor

Car Insurance

Protect your vehicle and yourself

Find out how car insurance can protect both your vehicle and yourself against financial risks and unforeseen damage.

All-round protection for your vehicle and your safety

Car insurance is essential to give both your vehicle and yourself comprehensive protection. Motor third-party liability insurance (Kfz-Haftpflicht) covers you against third-party claims for damages after an accident. Partial cover (Teilkasko) and fully comprehensive cover (Vollkasko) offer additional protection for damage to your own vehicle, e.g. from theft, storm damage or vandalism. It's important to check your insurance policies carefully and adjust the sums insured to suit your needs. You should also consider accident insurance, which provides financial benefits in the event of injury or disability following an accident. Comprehensive protection for your vehicle and yourself gives you the reassuring feeling of being well protected on the road.

Frequently asked questions: Car Insurance

What does car insurance cover?

Car insurance usually covers damage to your own vehicle as well as liability claims against the driver in the event of an accident. Depending on the policy, further benefits such as theft protection or comprehensive (Kasko) cover may also be included.

How is the premium for car insurance calculated?

The premium for car insurance is usually calculated on the basis of various factors, such as the driver's age and gender, the type of vehicle, the no-claims class (Schadenfreiheitsklasse) and annual mileage.

Can I switch my car insurance?

Yes, in most cases it is possible to switch your car insurance. However, you should bear in mind notice periods and any minimum contract terms. Comparing offers from different insurers usually lets you switch to a cheaper tariff.

What is the difference between liability and comprehensive (Kasko) insurance?

Liability insurance covers damage you cause to other people with your vehicle. Comprehensive (Kasko) insurance, on the other hand, covers damage to your own vehicle caused by accidents, theft or vandalism. Kasko insurance can be divided into partial cover (Teilkasko) and fully comprehensive cover (Vollkasko).