Every driver needs it — but not everyone pays a fair price
Car insurance is mandatory. But the price differences are enormous: up to 70% for the same coverage. We find the optimal rate.
Optimally insured — fairly calculated
The Three Levels of Coverage
Motor Liability Insurance
Required by law. Covers personal injury, property damage, and financial losses you cause to third parties.
Partial Comprehensive Insurance
Protection for your vehicle against theft, fire, hail, storm, wildlife collision, glass breakage, and flooding.
Full Comprehensive Insurance
Partial comprehensive plus protection for accidents caused by you, vandalism, and hit-and-run by third parties.
Breakdown Cover
Roadside assistance, towing, rental car, and overnight accommodation in case of breakdown or accident — throughout Europe.
Driver Protection
Coverage for the driver in self-caused accidents — an often overlooked gap in protection.
GAP Coverage
For leasing: covers the difference between the replacement value and the outstanding balance.
The right solution for every vehicle
New Vehicles
Comprehensive coverage recommended — ideally with new vehicle replacement value in the first 12–24 months.
Used Vehicles
Partial coverage often sufficient. Check comprehensive coverage for vehicles under 5 years old.
Electric Vehicles
Specialist EV tariffs with battery protection, animal bite consequential damage, and charging cable coverage.
Leasing & Finance
GAP coverage essential. Comprehensive insurance usually required by the leasing provider.
What is covered?
Versichert
- Motor Liability Insurance: personal injury, property damage, and financial losses of third parties
- Partial Comprehensive Insurance: theft, fire, glass breakage, wildlife collision, storm, hail, flooding
- Full Comprehensive Insurance: additionally covers self-caused accident damage and vandalism
- Mallorca Policy for rental vehicles abroad
- New value compensation within the first 12–24 months
- Towing service and breakdown assistance (depending on tariff)
- Marten bite damage including consequential damages
- Damages from collision with animals of all kinds
Nicht versichert
- Wear and regular depreciation
- Damages in illegal street racing
- Intentionally caused damages
- Damages to borrowed vehicles (without add-on)
- Damages caused by earthquakes and nuclear energy
- Fines and penalty notices
Switching Car Insurance — it's that simple
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Frequently Asked Questions About Car Insurance
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