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We live in Stuttgart, we're expats, and we meet up, what's not to like?

Insurance in Germany | Expats Guide on All Types

  • From only €9/month
  • Supplements your public health insurance to include 2 annual deep cleanings, higher quality fillings and more
  • The Advanced policy includes tooth whitening and night mouth guard. 
  • The policy effectively pays for itself if you visit the dentist twice per year 
  • From only €17,75/month
  • Insurance in case legal disputes should arise. Free lawyer consultation with the membership.
  • €15 discount with this link!
  • From only €1,79/month
  • Covers risks like a fire, water damage, storm and burglary
  • Flexibly extendable – bike theft coverage up to € 5,000, worldwide & 24/7.
  • 24/7 emergency service
  • €15 discount with this link!
  • From only €4,99/month
  • No additional payments
  • The loss of your private or work keys up to € 30,000
  • Covers you and your family up to 30 million euros against financial claims of others
  • €15 discount with this link!
  • From only €5,99/month
  • Get coverage for your dog
  • No additional payments.
  • Damage when walking your dog without a leash or muzzle
  • Covers up to 30 million euros if your dog injures other people or destroys their things
  • €15 discount with this link!
  • From only €5,08/month
  • Your bicycle is insured if it was secured with its own lock
  • Insured against theft, theft of individual bike parts and vandalism
  • Fixed coverage (the purchase price of your bike
  • Your lock and all original parts are insured as well.
  • €15 discount with this link!
  • From only €5,08/month
  • Your bicycle is insured if it was secured with its own lock
  • Insured against theft, theft of individual bike parts and vandalism
  • Fixed coverage (the purchase price of your bike
  • Your lock and all original parts are insured as well.

Germans are known for being cautious, and this extends to their approach to insurance. In general, Germans are required to have health insurance, property or liability insurance. There are a number of different types of insurance available in Germany, so it is important to understand the options before choosing a policy.  There are a variety of different insurers operating in Germany, so it is important to shop around to find the best coverage. You can also contact us to get the best insurance coverage today.

Different Types of Insurance Necessary for Expats in Germany


There are a number of insurances required when you’re living in Germany. Here we have listed most of them for you along with a detailed guide on how you can get them today.

If you own a car in Germany, auto insurance is mandatory. There are several different types of coverage available, and the level of coverage you purchase will affect your premium. The most basic type of coverage, known as third-party liability insurance, protects you if you cause damage to someone else’s property. It does not cover damage to your own vehicle. 

Optional coverage includes collision and comprehensive insurance, which covers damage to your vehicle regardless of who is at fault. In addition, most insurers offer a variety of discounts and add-ons that can help to lower your premium. For example, installing an anti-theft device or agreeing to pay a higher excess in the event of a claim can both result in significant savings. By shopping around and comparing premiums, you can find the right policy to suit your needs and budget.

Get the cheapest car insurance in Germany today!

Car insurance is a mandatory requirement in Germany and it is important to make sure that you are adequately covered. There are a number of factors that will affect the cost of your premium, including the type of car you drive and your driving history. 

However, there are some simple steps that you can take to ensure that you get the best deal on your car insurance.  Contact us today and be sure to get the cheapest car insurance in Germany.

As with health insurance, there are two types of dental insurance in Germany: public and private. Public dental insurance is mandatory for all citizens and is part of the overall German health insurance system. Private dental insurance is not required but can be purchased by anyone who wishes to do so. Both types of insurance cover routine dental care, such as checkups and cleanings, as well as more serious procedures, such as fillings and crowns. 

However, private insurance often provides more comprehensive coverage than public insurance, including coverage for orthodontics and cosmetic dentistry. In addition, private insurance typically has lower out-of-pocket costs than public insurance. As a result, many people opt to purchase private dental insurance in Germany.

Get the best dental insurance today!

Many people believe that they do not need dental insurance because they take good care of their teeth. However, even people who brush and floss regularly can benefit from having dental insurance. Professional dental cleanings and preventative treatments can help to keep your teeth healthy, and high-quality fillings can extend the life of your teeth. 

In addition, dental insurance can save you money in the long run by covering the cost of major dental work. So if you are looking for a way to invest in your oral health, be sure to get the best dental insurance today!

In Germany, it is very common for people to insure their household contents against damage or theft. There are a number of reasons for this, but the most important one is that it provides peace of mind in case something bad happens. After all, nobody wants to have to replace all of their possessions if they are lost or stolen. 

Contents insurance can cover a wide range of items, from furniture and appliances to clothing and electronics. It is typically quite affordable, and most people find that it is well worth the price. In the event that something does happen to your belongings, contents insurance can help you to get your life back on track quickly and easily.

Get household insurance in Germany today!

Transparent prices, simple products, and reactive customer service: this is what households in Germany can expect when they take out insurance with us. Home insurance should be something that gives you peace of mind, knowing that your property and possessions are protected. 

That’s why we’ve made it our mission to provide a household insurance policy that is straightforward and easy to understand. And in the event that something does happen, our team is on hand to provide fast and effective assistance. So why wait? Get household insurance in Germany today. You’ll be glad you did.

Germany is a country with a very high standard of living, and its residents are known for their diligence and hard work. However, accidents can happen to anyone, regardless of nationality. That’s why it’s important to have personal liability insurance, which can help to protect you financially if you’re ever sued for damages. 

Germany has a wide variety of personal liability insurance policies available, so it’s important to do your research and choose the one that best suits your needs. Whether you’re looking for coverage for your home, your car, or your business, there’s a German personal liability insurance policy that can help to protect you.

Get the best liability insurance in Germany

When it comes to 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.

Germany is a country with a strong love for dogs. Given the high number of dog owners, it’s no surprise that dog liability insurance is also very popular. This type of insurance covers damages caused by your dog, including property damage and injuries to other people. 

It’s important to note that dog liability insurance is not mandatory in Germany, but it’s still a good idea to have if you’re a dog owner. After all, you never know when your furry friend might cause some damage – and it’s always better to be safe than sorry!

Get help with dog liability insurance

As a dog owner, you know that your furry friend is part of the family. But did you know that your dog could also put your financial security at risk? If your dog bites someone or causes an accident, you could be held liable for the damages. That’s why it’s important to have dog liability insurance 

We understand the special bond between humans and their dogs. That’s why we offer trusted and reliable coverage to help protect you in the event that your dog causes an injury. With our policy in place, you can rest assured knowing that you’re covered in the event of an accident. Contact us today to learn more about our dog liability insurance policy and get started on protecting yourself and your furry friend.

In Germany, pet health insurance is a popular and reliable way to help cover the cost of your animal’s medical care. There are a variety of insurers to choose from, and most policies offer a wide range of coverage options. Some of the most common benefits include reimbursement for veterinary expenses, euthanasia and burial costs, and accidental death coverage. 

Pet health insurance can also provide peace of mind in the event that your animal becomes ill or injured. Whether you have a dog, cat, or other type of pet, investing in a policy can help you ensure that you are prepared for any eventuality.

Get pet health insurance (Tierkrankenversicherung)

You can count on us when it comes to your pet’s health. That’s why we offer pet health insurance, so you can rest assured that your furry friend is always covered. Our policy includes any necessary vaccinations and routine check-ups, as well as emergency care and hospitalization. 

You can tailor your coverage to suit your needs, and we even offer discounts for multiple pets. So why wait? Get insured today and give your pet the best possible care.

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!

In Germany, e-bike theft insurance is a necessity. This is because electric bikes are considered high-risk items and are often targeted by thieves. The cost of replacement or repair can be significant, so it’s important to have coverage in place. 

There are a few things to consider when choosing an insurance policy, such as the type of bike, the value of the bike, and the location where it will be stored. It’s also important to consider the deductible, as this can have a big impact on the cost of the policy. E-bike theft insurance is an important consideration for anyone who owns an electric bike, and it’s something that should be factored into the overall cost of ownership.

Get bike insurance in Germany today!

If you’re looking for a trustworthy bike insurance in Germany, you’ve come to the right place. We offer a variety of options to choose from, so you can find the perfect fit for your needs. And we’re always here to help if you have any questions. So what are you waiting for? Get started today!

Germany has a wide variety of rental insurance options available, so it is important to do your research before signing a lease. Third-party liability insurance is required by law, and covers damages caused to third parties as a result of your actions. 

It is typically included in homeowners’ or renters’ insurance policies. Property insurance covers damage to the rented property itself, and is typically not required by law. However, many landlords require tenants to purchase this type of insurance. If you are planning on renting in Germany, make sure to familiarize yourself with the different types of rental insurance available in order to find the best coverage for your needs.

Get rental insurance in Germany today!

When you rent an apartment or house in Germany, it’s important to have rental insurance. This type of insurance helps to protect your belongings in the event of damage or theft. It can also provide financial assistance if you need to relocate due to fire or other damage to your rental property. 

Rental insurance is relatively affordable, and it’s easy to find a policy that meets your needs. Whether you’re a student renting your first apartment or a seasoned renter, be sure to get rental insurance today.

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.

FAQs

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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