>
Guide to Vehicle Insurance in Germany
Understanding the Basics
Vehicle insurance in Germany is mandatory for all registered vehicles. The country utilizes a three-tiered system:
Types of Insurance
- Liability Insurance (Haftpflichtversicherung): Required by law, covers damages caused to other vehicles, property, and individuals.
- Partial Coverage (Teilkaskoversicherung): Optional, covers damages resulting from theft, natural disasters, and glass breakage.
- Comprehensive Coverage (Vollkaskoversicherung): Most comprehensive, covers all damages, including those caused by the driver's own fault.