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Which insurances do you need in Germany?

If you move to Germany permanently, one of the first things you need to deal with is what insurance you need in Germany. It depends on many factors. Basically, you should protect yourself against all major risks and existential damage.

  • Do you have children?
  • What is your occupation?
  • Do you have a dog?
  • Do you own a house?
  • Which vehicle do you have?
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{{itemsVisibility.essential.length}} essential insurances

Essential insurances based on your life situation

These types of insurance are either required by law in Germany, such as health insurance, or are absolutely essential, such as personal liability insurance.

Personal liability
very important

Taking out private liability insurance is highly recommended for everyone of all ages. Liability is always possible if third parties suffer damage from you. You should always have liability insurance, because in Germany the following applies in principle: Anyone who causes damage to someone else through carelessness must pay for it. This can happen easily in everyday life. No protection can mean financial ruin!

Tip: Children and adolescents who are still in training or studying and have not yet reached the age of 25 can usually be covered by a family tariff.

from 1,18 € per month
Motor vehicle liability insurance
compulsory

In order for you to be able to ride with public road traffic on your motorcycle in Germany, you must take out a motorcycle liability insurance. Motorbike liability covers third-party claims for damages if the driver of the insured motorcycle causes an accident.

save up to € 850 annually
Motorbike liability insurance
compulsory

In order for you to be able to ride with public road traffic on your motorcycle in Germany, you must take out a motorcycle liability insurance. Motorbike liability covers third-party claims for damages if the driver of the insured motorcycle causes an accident.

save up to 75 %
Moped insurance
compulsory

In order to be allowed to ride on public roads in Germany, mopeds, small mopeds and scooters need their own statutory liability insurance. This covers personal injury, property damage and financial loss caused by the vehicle. This insurance is valid for one year. The insurance year begins on March 1st of each year and ends on the last day of February in the following calendar year. That is why the insurance license plate for mopeds - unlike a car license plate - is only valid for twelve months and must then be replaced.

save up to 43 %
E-scooter insurance
compulsory

In order to be allowed to ride on public roads in Germany, e-scooters need their own statutory liability insurance. This covers personal injury, property damage and financial loss caused by the vehicle. This insurance is valid for one year. The insurance year begins on March 1st of each year and ends on the last day of February in the following calendar year. That is why the insurance license plate - unlike a car license plate - is only valid for twelve months and must then be replaced.

save up to 64 %
Health insurance
compulsory

Health insurance is compulsory in Germany. A distinction is made between statutory and private health insurance. Private health insurance usually offers better benefits than statutory health insurance. For example, private insurers often have significantly shorter waiting times and are treated by the chief doctor. However, you can only take out private insurance if you earn at least € 62,550 (as of 2020) as an employee, are self-employed or a civil servant. All others are obliged to take out statutory health insurance.

save up to 325 € annually
Dog liability insurance
compulsory

In the federal states of Hamburg, Berlin, Lower Saxony, Saxony-Anhalt and Thuringia, this insurance is mandatory for dog owners. Dog liability insurance covers damage caused by your dog to other people or their property. Private liability insurance does not cover any damage caused by dogs.

from 2,19 € per month

Important insurances based on your life situation

You do not have to take out this type of insurance, but it is recommended to reduce financial risks.

Disability insurance

This insurance is important in order to be financially covered in the event of incapacity to work. If you are no longer able to continue with the job you have learned or intend to do in the future due to illness or an accident, the occupational disability insurance pays you a monthly occupational disability pension. This enables you to ensure that you can continue to pay fixed costs such as rent. It is best to take out occupational disability insurance as early as possible. Because when you are young, you are generally in good health and do not have to pay high risk premiums.

save up to 75 %
Risk life insurance

This insurance is particularly important if there is a main or sole earner in the family. The survivors are financially covered with a risk life insurance in the event that the main or sole earner dies. Risk life insurance is highly recommended, especially if a loan has been taken out and still has to be paid off. The sum insured should be high enough to cover existing loans and the wage gap resulting from the death of the main or sole earner.

Home insurance

Every homeowner or owner of a condominium should insure his property against natural hazards, because damage can quickly reach several hundreds of thousands of euros and thus become a threat to your finances. Residential building insurance protects you as the owner of a property from the financial consequences of property damage. The entire building with its components, including all permanently installed items, are insured. The basic protection includes damage from the following dangers: fire and lightning, tap water, storm and hail.

from 2 € per month

Useful insurances

These insurance policies make sense and round off your insurance coverage.

Household insurance

This insurance is useful if you have valuable items in your household (e.g. high-quality bicycles, jewelry, electronic devices). The household contents insurance insures all objects that are in your apartment or an associated room - for example in a locked cellar compartment or single garage - against dangers like burglary, fire or leaking tap water. It is paid in the form of a replacement value compensation. This protection should not be missing, especially with high-quality household items.

from 0,85 € per month
Legal protection

In every situation in life, people meet and arguments can arise. Legal disputes can quickly cost several thousand euros and before you know it, you face each other in court. Legal protection insurance supports you financially in enforcing your claims in court. It assumes the costs, among other things for lawyers, legal proceedings, witnesses and experts. Legal protection insurance usually works according to a modular principle. You can put together the right protection for you from individual modules. The following areas of life can usually be secured: private life, work, transport, living and renting. For example, if you are an employee and live in a rented apartment, the "work" and "living" building blocks may be relevant for you.

from 9,24 € per month
International travel health insurance

If you fall ill abroad, the statutory health insurance does not cover the costs of medical treatment abroad or only insufficiently. For this, it is highly recommended that you take out a separate travel health insurance abroad. Depending on the tariff, the health insurance abroad also covers the cost of returning the patient to Germany. Without insurance, the costs can quickly amount to tens of thousands of euros.

from 9 € per year

FAQ – Insurances in Germany

  • What happens if I do not have a compulsory insurance (e.g. health insurance)?

    If you do not take out compulsory insurance over a long period of time, this is not punishable, however, high additional payments plus surcharges can threaten. These depend on your individual characteristics and the missed insurance period. In case of hardship, additional payments can be collected by customs, for example by attaching accounts. You also have no insurance cover during this time, which can mean financial ruin in the event of damage.

  • How do insurance work in Germany?

    According to the motto: "All for one." The policyholders pay a small contribution to an insurance company regularly (usually monthly). If a policyholder from this insurance suffers damage, this is paid from the premiums of all policyholders. This works because damage occurs less frequently than the contributions to be paid regularly.

  • I would like to work in Germany, what should I watch out for here?

    You definitely need health insurance. As an EU citizen, you can often continue to be insured through your previous health insurance for emergency treatment - however, membership of a German health insurance is recommended for the full scope of benefits. If you come from a non-EU member state, you must have health insurance membership in Germany before you start work.
  • I want to study in Germany, what applies to me?

    In order to enroll at a German university, you must have health insurance. If you come from the EU and already have a European Health Insurance Card (EHIC), you can have your insurance recognized by a statutory health insurance company in Germany. Non-EU citizens can also have their health insurance recognized in some cases. If this does not work, membership in a health insurance company in Germany must be acquired.
  • I am only visiting Germany, do I have to take out insurance?

    If you need a visa to enter Germany, travel insurance is a mandatory requirement. Regardless of your reason for entry. Otherwise you usually do not need compulsory insurance. Nevertheless, we advise you to take out travel insurance that covers any doctor's visits to Germany.

  • What do I do in the event of damage?

    Contact the insurance company as soon as possible after the damage, so that you can describe the sequence of events as detailed as possible. It's also best to write down how the incident happened so that you don't forget it. In the event of damage, CHECK24 is happy to help clarify the process with the insurance company.

  • I came to Germany with my family - do I have to take out insurance for each family member?

    With most tariffs, the spouse and children can be insured free of charge. In our comparison, you can simply choose the tariff option "Family", "Couple" or "Children" and you will only be shown the corresponding tariffs.

  • That sounds like a lot of paperwork, can CHECK24 help here?

    Yes, with the digital insurance center from CHECK24 you can view and digitally manage all your insurance policies in one place - regardless of whether the contracts have been concluded with CHECK24 or not. You can access your personal insurance center anywhere via the Internet - or alternatively with the CHECK24 app. It is hardly easier to manage your insurance contracts!

 

Notice / disclaimer:
CHECK24 Versicherungsservice GmbH assumes no liability for the demand check. Our recommendations for use are based on researching various sources, including, among others, Stiftung Warentest, Finanztip, WirtschaftsWoche and the consumer center. Please contact the one specified in the respective comparison Contact address for binding advice.