Skip to content

Insurance broker / Insurance questions / Car insurance

Do penalty points in Flensburg raise my car insurance premium?

In short

No, not directly. Your insurer cannot look up your penalty points in the Flensburg driving register, and the model policy terms do not list points among the factors used to raise or set a premium. What makes your car insurance dearer is a claim your insurer pays. Points in Flensburg cost you fines and, at worst, your licence, but not your no-claims class.

Do penalty points in Flensburg raise my car insurance premium?

What it costs

What typical offences cost in Germany and what they change on your premium, as of 2026.

ExampleTypical range
21 to 25 km/h too fast in town115 euros fine, 1 point, 0 euros extra premium
31 to 40 km/h too fast in town260 euros, 2 points, 1 month ban, 0 euros extra premium
41 to 50 km/h too fast outside town320 euros, 2 points, 1 month ban, 0 euros extra premium
Statement of your own points0 euros

Fines for cars according to a published fines table, as of July 2026.

Repeat offences or endangering others can cost more.

What an accident with a downgrade costs depends on your SF class and tariff;

we work it out for you in a quote.

Worked example

Caught speeding twice in one year, no accident

A driver goes 23 km/h and later 35 km/h over the limit in town. Both penalty notices become final.

First offence, 23 km/h too fast115 euros, 1 point
Second offence, 35 km/h too fast260 euros, 2 points, 1 month ban
Points total3 points, no reminder yet
Car insurance premiumunchanged

375 euros in fines and a month without a licence, but not a cent more in premium. It would only cost more after an accident the insurer pays for.

Why your insurer does not know your points

The driving aptitude register (Fahreignungsregister) is kept by the Federal Motor Transport Authority in Flensburg. German road traffic law lists exactly who may receive information from it: prosecutors, fine and licensing authorities, traffic police and a few other public bodies. Insurers are not on that list. You yourself can ask for a free statement of your points at any time.

The model policy terms published by the German insurance association do not mention points either. For cars they name rating factors such as where the car is parked overnight, annual mileage, who drives it, the drivers' age, home ownership and the car's age when you bought it. Each insurer designs its own tariff, so always answer any question on an application form truthfully.

Where points and premium do meet

Your premium goes up when your insurer pays for a claim. Under the model terms, a calendar year with a paid liability or fully comprehensive claim moves you down to a worse no-claims class (Schadenfreiheitsklasse, SF class). Partial cover claims such as glass, animal collisions or hail do not. So the accident costs you money, not the entry in Flensburg.

Drink or drugs add another layer. The model terms forbid driving when the driver is unfit to drive safely. If an accident follows, liability cover still pays the victim but may claim money back from you, capped by German regulation at 5,000 euros in liability insurance.

What happensResult in FlensburgResult for your premium
21 to 25 km/h too fast in town, no accident1 pointnone
Driving ban for speeding, no accident2 points, bannone
At-fault accident, insurer pays from liability coverdepends on the offencelower SF class
Accident under the influence of alcoholpoints, often a ban or licence withdrawallower SF class and recourse up to 5,000 euros
Collision with a deer, partial cover paysnoneno downgrade

How the German points system works

An offence earns 1, 2 or 3 points. One point covers administrative offences that affect road safety, two points serious administrative offences and criminal offences, three points criminal offences where the licence is withdrawn.

At 4 or 5 points you get a written reminder, at 6 or 7 a formal warning, and at 8 points your licence is withdrawn. A voluntary driver aptitude seminar removes one point if you have 1 to 5 points, once every five years.

Points expire after fixed periods: 2.5 years for one point, 5 years for two points and criminal offences, 10 years for criminal offences with licence withdrawal. Many entries then stay in the register for one more year, visible only to licensing authorities and to you.

When points still cost money

A driving ban or the loss of your licence does not change the premium, but the car sits idle. While it stays registered, insurance and vehicle tax keep running. Whether deregistering it for that time pays off depends on how long the ban lasts.

After a withdrawal at 8 points you must apply for a new licence. Your policy is not affected as long as only people within the agreed group of drivers, each holding a valid licence, drive the car in the meantime.

Step by step

  1. Ask the Federal Motor Transport Authority for a free statement of your points.
  2. With 1 to 5 points, consider a seminar to remove one point.
  3. Answer every question on an insurance application truthfully.
  4. After an accident, check whether paying the damage yourself avoids a downgrade.
  5. During a ban, decide who may drive the car.

Checklist

  • You know your current points
  • Deletion dates of your entries noted
  • Agreed group of drivers matches who actually drives
  • Options against a downgrade known, such as paying small claims yourself
  • No driving after alcohol or drugs

Common mistakes

  • Hiding an accident because you fear points will raise the premium
  • Assuming the insurer sees every speed camera photo
  • Letting someone without a valid licence drive
  • Ignoring a ban because the car is insured anyway

Questions and answers

Frequently asked

Can my car insurer see how many points I have?

No.

Only you and the authorities named in the law can get information from the register in Flensburg.

Insurers are not among them.

Do I have to report new points to my insurer?

Points are not a rating factor in the model terms, and the terms set no duty to report them.

If an application asks about them, answer truthfully.

Does a driving ban make my insurance more expensive?

Not in itself.

It only gets dearer if your insurer pays a claim from liability or fully comprehensive cover.

How long do points stay in Flensburg?

One point 2.5 years, two points and criminal offences 5 years,

criminal offences with licence withdrawal 10 years.

Many entries then stay one more year.

Can I get rid of points?

Yes, a voluntary seminar removes one point if you have 1 to 5 points.

You can do this once every five years.

What happens to my policy if I lose my licence at 8 points?

It continues.

Only people in the agreed group of drivers with a valid licence may drive the car.

If it stands idle for longer, deregistering it can save premium.

Sources

NAMMERT insurance broker

Request a quote: Car insurance

We compare insurers and come back to you, in English.

Free; the insurer pays our fee.

1Who is it for?
2Which insurance?

Choose as many as you like. For each one, the details an insurer needs for a quote appear below.

Personal

Business

3Details

Car insurance in Germany (liability, partial and fully comprehensive)

Most precise with the HSN and TSN codes from the registration document

4Your current policy
5How can we reach you?

Free of charge and without obligation. A person will get back to you.

Related questions

Updated

Was this useful?