Motor Insurance Comparison 2026
The right protection for your vehicle – liability, partial or fully comprehensive
Motor insurance is legally required for every vehicle owner in Germany. It protects you from the financial consequences of accidents.
The insurance consists of different modules: Motor liability is mandatory, comprehensive insurance (partial or full) is optional.
Important: Without motor liability insurance you may not drive your vehicle on public roads.
Motor Liability
LEGALLY REQUIREDCovers damages you cause to others with your vehicle
Coverage scope:
Personal, property and financial damages
Recommended coverage:
€100 million flat-rate
Partial Coverage
OPTIONALProtects your vehicle from theft, fire, animal collision
Coverage scope:
Theft, animal damage, natural forces, fire, glass breakage
Recommended coverage:
Current value of vehicle
Full Coverage
OPTIONALMost comprehensive protection: partial plus self-inflicted damage and vandalism
Coverage scope:
All partial benefits + self-inflicted accidents + vandalism
Recommended coverage:
New value / replacement value
Rear-end collision with personal injury
You rear-end someone. The other party suffers serious injuries.
Possible costs:
€50,000 - €500,000
Covered by:
Motor Liability
Animal collision
A deer jumps onto the road. Your vehicle is damaged.
Possible costs:
€5,000 - €20,000
Covered by:
Partial Coverage
Vehicle theft
Your vehicle is stolen and not recovered.
Possible costs:
Current value
Covered by:
Partial Coverage
Self-inflicted accident
You lose control and cause a total loss.
Possible costs:
Replacement value
Covered by:
Full Coverage
- Legally required liability insurance
- Protection against high damage claims
- Comprehensive insurance for own vehicle damage
- Worldwide coverage in Europe
- Flexible deductibles
- Discount protection and workshop binding possible
- GAP coverage for new cars
- Telematics tariffs for young drivers
MANDATORYMotor Liability
For: All vehicle owners (legally required)
Recommendation: At least €100 million coverage. No deductible.
Partial Coverage
Useful for:
- • Vehicles 3-5+ years old
- • When full coverage is too expensive
- • Low accident risk
- • Areas prone to wild animal crossings
Tip: €150 deductible saves on premiums
Full Coverage
Recommended for:
- • New cars (at least first 3-5 years)
- • Leased or financed vehicles
- • High-value vehicles
- • New drivers
- • High vandalism risk areas
Tip: €300-500 deductible significantly reduces premium
GAP coverage
Closes the gap between replacement value and purchase price in total loss
Useful: For new cars and leased vehicles
Discount protection
No-claims class is preserved even after a claim
Useful: For high SF class (from SF 15)
Driver protection
Driver coverage in self-inflicted accidents
Useful: When no accident insurance exists
Foreign damage protection
Coverage extension for damages abroad
Useful: For frequent foreign travel
Animal collision all-risk
Coverage for collisions with all animals
Useful: Recommended for all drivers
The no-claims class determines your premium. The longer you drive without claims, the cheaper your insurance.
Tip: For small claims, consider whether self-payment is cheaper than downgrading.
Comparison pays off: Premiums differ significantly. Comparison can save several hundred euros per year.
Switching deadlines: Cancellation usually by 31.12. with one month notice.
Realistic mileage: Too low estimates can cause problems in case of claim.
Workshop binding: Saves 10-20% premium.
Driver group: Fewer insured persons mean lower premium.
Payment method: Annual payment is cheaper than monthly.
Seasonal license plate: Saves premiums for seasonal use.
eVB number: You need an eVB number from your insurance for registration.