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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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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.

Is German Car Insurance Expensive?

Car insurance in Germany is typically more expensive than other countries due to a few factors including the cost of repairs, strict liability laws, and Germany’s “no-fault” system, meaning regardless of who is at fault for an accident, the driver is responsible for taking care of injuries and damage to others and their property. This system was designed to quickly resolve problems related to accidents.

There are also individual circumstances that can affect the cost of car insurance in Germany, including:

  • Vehicle type. Luxury cars generally have higher insurance costs.
  • Driver’s age. Younger drivers may be subject to higher rates.
  • Driver’s history. Accidents or traffic violations on a driver’s history may increase rates.
  • Coverage level. A driver will pay less for minimum third-party liability coverage but more for higher levels of coverage, such as comprehensive. The trade off is that higher rates associated with comprehensive ensure damage to the policy holder’s vehicle is covered.
  • Vehicle location. Urban settings typically have higher insurance rates than rural areas.
  • Annual mileage. Rates increase with the amount driven and conversely will go down the less you drive. Some insurers offer an occasional driver discount if the annual mileage does not exceed a certain amount.

FAQ About Car Insurance in Germany

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