Insurance in Germany

  • From only €9/month
  • Enhance your existing public health insurance with the addition of two annual deep cleanings.
  • Opting for the Advanced policy brings additional benefits like tooth whitening and a night mouth guard.
  • By visiting the dentist twice a year, the policy essentially covers its own cost.
  • From only €13,51/month
  • Legal dispute coverage is provided as part of your insurance.
  • Membership includes a complimentary lawyer consultation.

To receive quotes for car insurance from different insurance companies, please click on the link below:

With our low-priced and high-performance tariff your car is well insured all around.

  • Your advantages at a glance
  • Mobility guarantee – incl.
  • Free protection letter!
  • Vehicle protection
  • Smart repair
  • Protective cover
  • Discount protection
  • From only €2,33/month
  • Protects against perils such as fire, water damage, storms, and burglary.
  • Offers round-the-clock emergency services.
  • From only €4,94/month
  • No extra charges required.
  • Up to €30,000 coverage for the replacement of your personal or work keys.
  • Comprehensive coverage of up to €30 million for you and your family against third-party financial claims.
  • From only €1,98/month
  • Life insurance safeguards your loved ones in case of your passing, providing coverage for:
    • Debt and Mortgage
    • Lost Income
    • Childcare and Education
    • Final Expenses
  • From only €2,90/month
  • Your bicycle is covered if it was properly secured with its own lock.
  • Insurance includes protection against theft and vandalism.
  • Fixed coverage is provided, equivalent to the purchase price of your bike.
  • Your lock and all original parts are also included in the insurance coverage.
  • From only €50/month
  • Employment insurance serves as a financial safety net when you are unable to work.
  • The primary causes of unexpected job loss typically include illnesses, accidents, and even burnout.

Germans are renowned for their prudent nature, which also reflects in their approach to insurance. Typically, Germans are mandated to possess health insurance as well as property or liability insurance. Germany offers a diverse range of insurance options, making it crucial to familiarize yourself with the choices before settling on a policy. The insurance landscape in Germany is brimming with numerous providers, underscoring the importance of comparing options to secure optimal coverage. Feel free to reach out to us for personalized guidance in acquiring the finest insurance coverage available today.


Necessary Insurance for Expats in Germany

Several insurances are mandatory when residing in Germany. We have compiled a comprehensive list of these insurances for your convenience, accompanied by a detailed guide on obtaining them today.

Similar to health insurance, dental insurance in Germany comes in two forms: public and private. Public dental insurance is obligatory for all citizens and forms an integral part of the German healthcare system. On the other hand, private dental insurance is optional and available to anyone who desires it. Both variants of insurance encompass standard dental services, such as check-ups and cleanings, as well as more extensive procedures like fillings and crowns.

Nevertheless, private insurance generally offers more extensive coverage compared to public insurance, which may include orthodontic and cosmetic dentistry. Moreover, private insurance usually entails lower out-of-pocket expenses than public insurance. Consequently, many individuals in Germany opt for private dental insurance to ensure comprehensive coverage and reduced financial burdens.

Get dental insurance

Several individuals assume that dental insurance is unnecessary, particularly if they maintain diligent oral hygiene practices. Nevertheless, even those who regularly brush and floss can find value in having dental insurance. Routine dental cleanings and preventive treatments play a pivotal role in preserving dental health, while the availability of top-notch fillings can significantly extend the longevity of one's teeth.

Furthermore, dental insurance can lead to substantial long-term savings by addressing the expenses associated with significant dental procedures. Therefore, if you are seeking an avenue to invest in your oral well-being, be sure to get the best dental insurance today!

In Germany, it's a prevalent practice for individuals to insure their household contents against damage or theft. Several factors contribute to this, but the paramount one is the assurance it offers in the face of adversity. After all, no one desires the daunting prospect of replacing all their possessions in case of loss or theft.

Contents insurance extends coverage to a broad spectrum of items, encompassing furniture, appliances, clothing, and electronics. Typically, it comes at an affordable cost, and many people find it to be a valuable investment. In the unfortunate event of any mishap befalling your belongings, contents insurance serves as a swift and hassle-free means to help you regain your footing.

Household content's insurance

Clear and upfront pricing, uncomplicated product offerings, and responsive customer support – these are the hallmarks of our insurance services for households in Germany. Home insurance should offer the assurance that your property and belongings are safeguarded, granting you peace of mind.

That's why we're committed to delivering a household insurance policy that is simple, easily comprehensible, and, should the need arise, offering prompt and efficient assistance through our dedicated team.

So why wait? Get household insurance in Germany today. You’ll be glad you did.

Germany, renowned for its high standard of living and its diligent, hardworking residents, is a country where accidents can occur irrespective of one's nationality. That's why having personal liability insurance is crucial, as it can provide financial protection if you ever face a lawsuit for damages.

Germany offers a diverse array of personal liability insurance options, making it imperative to conduct thorough research and select the policy that aligns best with your specific requirements. Whether you seek coverage for your home, automobile, or business, there's a German personal liability insurance policy tailored to offer you protection.

Personal liability insurance

Personal liability insurance serves as a protective shield against unforeseen expenses arising from accidental harm to a third party or their property. In Germany, this form of insurance is often referred to as third-party liability insurance or private liability insurance. For instance, in Germany, should you inadvertently cause damage to another individual or their property, you bear legal responsibility and are obligated to bear the financial burden of necessary repairs.

Get the best liability insurance in Germany

When it comes to the best liability insurance, Germany offers a variety of options. However, not all insurance providers are created equal. To get the best coverage for your needs, it’s important to compare different policies and find the one that best suits your situation.

We have one of the best companies for liability insurance in Germany where the best coverage is guaranteed. They offer a simple and transparent way to compare different policies, so you can be sure you’re getting the best coverage for your needs. Their online quote tool makes it easy to get started, and they have a team of experienced consultants who can help you find the right policy for your unique situation. Get in touch with us today to get started with the best liability insurance for your needs in Germany.

In Germany, bicycle insurance is not compulsory, but many cyclists choose to take out a policy to protect themselves in case of an accident. There are two main types of bicycle insurance: third-party liability and comprehensive. Third-party liability policies cover damage to property and injuries to third parties, while comprehensive policies also cover the bike itself in the event of an accident or theft. 

The amount of coverage and the premium price will vary depending on the insurer, so it is important to compare different policies before choosing one. In general, bicycle insurance is fairly affordable and can provide peace of mind for cyclists who want to be prepared for any eventuality.

Get bicycle insurance today!

You’re in good hands if you choose our bicycle insurance coverage. You can get the protection you need and the peace of mind you deserve. We’ve got you covered, whether you’re out on the open road or enjoying a leisurely ride through the park. We have a variety of plans to choose from, so you can find the one that’s right for you. And we’re here to help, every step of the way. So don’t wait any longer, get bicycle insurance today!

Owning a car in Germany necessitates having auto insurance. Various coverage options are available, and the extent of coverage you select influences your premium. The most fundamental coverage, referred to as third-party liability insurance, provides protection if you cause damage to someone else's property, but it does not cover damage to your own vehicle.

Additional coverage options include collision and comprehensive insurance, which cover damage to your vehicle, regardless of fault. Moreover, many insurers offer an array of discounts and add-ons that can help reduce your premium. For instance, installing an anti-theft device or agreeing to a higher deductible in case of a claim can lead to substantial savings. By diligently comparing premiums and exploring your options, you can discover the ideal policy that aligns with your requirements and budget.

Cheapest car insurance in Germany

In Germany, car insurance is an obligatory necessity, and it's crucial to ensure that you have sufficient coverage. Several factors come into play when determining the cost of your premium, such as the make and model of your vehicle and your driving record.

How Does Insurance Work in Germany?

In Germany, the social insurance system is based on the principle of solidarity, which means that everyone contributes according to their ability to pay and receives benefits according to their need. All residents of Germany are required to have health insurance, which is typically provided by an employer. Employees also contribute to other social insurance programs, such as dental, pet, household and unemployment insurance. 

In addition, all residents are required to pay into the long-term care system. The German social insurance system is financed through a mix of taxes and contributions from employers and employees. This funding model ensures that everyone has access to quality social services and that the costs of these services are shared fairly.


In Germany, there are a number of different insurances that are considered essential. One of the most important is health insurance, which is mandatory for all residents. Another important insurance is liability insurance, which protects individuals from being held responsible for damages or injuries that they cause.

German law also requires all drivers to have car insurance. This type of insurance protects both drivers and passengers in the event of an accident. By law, all German residents must have at least these three types of insurance.

Yes, a foreigner can get insurance from Germany. In order to be eligible, the foreigner must have a German residence permit and an insurance policy that was taken out in their home country is not valid in Germany. There are different types of insurance that are available in Germany, such as health insurance, liability insurance, and property insurance.

Germany has a system of public and private health insurance. Approximately 90% of the population is covered by statutory health insurance, which is funded through taxes and social security contributions. The remaining 10% of the population is covered by private health insurance.

German liability insurance provides protection against legal claims arising from damages that occur as a result of the policyholder’s negligence. It can cover both personal and property damages, as well as medical expenses. In most cases, German liability insurance will also cover legal costs incurred in defending against a claim.

In Germany, there is a saying that “there is insurance for everything.” And while that may be an exaggeration, it is true that Germans are very familiar with insurance. In fact, most people have at least one form of insurance, whether it is health care, home, or car insurance. There are even specially tailored policies for things like bikes, pets, and legal.

Disclaimer: This page may contains affiliate links, meaning we may earn a commission if you use those links but at no extra cost to you.

Information in regards to § 18 Abs. 6 Zahlungskontengesetz: This is not a complete market overview.

This information is for reference purpose only, we strive to make sure the information is accurate and accept no liability.


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