Germany icon.

Car Insurance in Germany

For NATO and Military Personnel Only

For NATO and USAREUR Personnel living in Germany, it’s important to have complete car insurance coverage so you are protected when dealing with breakdowns, towing charges, repairs or damage from accidents. So that you aren’t tasked with finding and understanding a local policy that is available only in German, Clements Worldwide combines coverage for:

  • Physical Damage insurance (PD) with
  • Local Third-Party Liability protection (TPL)

With Clements, your German car insurance policy is documented in English and you’ll have easy access to English-speaking customer support.

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Young woman in front of the Brandenburg Gate in Berlin during early twilight.

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Your customized auto insurance options include all the features required for expats living in Germany.  Clements makes it easy to obtain the right auto insurance to meet your needs. Even if you have no prior driving experience in Germany and are a new resident, we can insure you and your vehicle.

Key Features

All insurance documentation is in English

English-speaking customer service representatives

US, UK, International, EU, and Provisional driver’s licenses accepted

No established residency or driving experience in Germany required

Physical damage and local third-party liability coverage are bundled together eliminating the need to source a local German insurance policy

Additional Coverage Benefits

Complimentary windshield replacements

Protection against collision, theft, and damage

Your Physical Damage insurance rate stays the same even after your first accident

Clements Physical Damage coverage can travel with you to other countries

Towing and labor reimbursement up to $100 USD per disablement and up to $300 USD per policy term

Transit coverage for your car, from departure from one country to arrival in the next, available for government clients only

Damage to your car resulting from riots, strikes, terrorism, and other perils are covered through Clements’ exclusive Political Violence insurance extension

All vehicle policies that include Physical Damage coverage will cover the cost of rental car insurance for $12 USD/day up to 21 days per policy period when renting a car in the US, Canada, or your home country

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Diplomat in Egypt

During our last move, the unthinkable happened: the container carrying everything we owned was lost at sea. Clements was responsive, professional and supportive throughout the experience.

Diplomat in Japan

Once again, many thanks and much appreciation for your prompt and efficient service. We are delighted to have so quickly received our insurance claim payment and are especially impressed by how smoothly and expeditiously you made this happen.

Diplomat in Denmark

The Clements Team have been fantastic. This is the second problematic move I’ve had. You expedited an insurance payment in a thoroughly professional and “painless” manner. Your dedicated team’s courteous service greatly alleviated a bad situation. I recommend Clements without reservation.

Additional Policies for All Your Needs

Consider these other insurance solutions to protect yourself, your stuff and your family:
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Worldwide Personal Property Coverage

Homeowners, Renters & Personal Property

Cover your most cherished belongings in-transit and at your destination. Discover why international personal property insurance may make sense for you. 

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Worldwide Personal Accident Insurance

Get 24-hour protection wherever you are in the world

Find out how international Personal Accident Insurance can provide you with peace of mind.  

Contact Us

Still have questions? Fill out the form below and get in contact with a Clements Personal Insurance Advisor today.