Insurance broker / Insurance questions
Insurance questions, answered honestly
The questions people really ask before they buy, switch or cancel insurance in Germany. Each one answered honestly, with prices, a worked example, common mistakes and sources.
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About insurance brokers
- Am I still insured if I have not paid the premium?
- Are insurance apps a good alternative to a broker in Germany?
- Can I still take out insurance after the damage has happened?
- Can I switch my insurance broker in Germany?
- Do I have a special right to cancel when my insurance premium goes up in Germany?
- How do I find out which insurer I am with in Germany?
- How do I get out of contracts from a structured sales firm in Germany?
- How do I organise my insurance documents properly?
- How long can I withdraw from an insurance contract in Germany?
- How much does an insurance broker cost in Germany, and who pays the commission?
- How often should I have my insurance policies reviewed?
- Insurance broker or insurance agent: what is the difference in Germany?
- Insurance broker or paid insurance adviser: which one suits you?
- Insured twice: who pays in Germany?
- Is an insurance broker in Germany liable for bad advice?
- My insurer rejected the claim: what can I do in Germany?
- Should you have all your insurance with one insurer in Germany?
- What can an insurance broker do with my personal data?
- What does a broker mandate (Maklervollmacht) mean and can I revoke it?
- What does an insurance broker do when you make a claim?
- What happens to my policies if my insurance broker stops working?
- What is an anonymous risk pre-assessment?
- Why use an insurance broker instead of a comparison site in Germany?
Life stages: what to insure and when
- Am I covered during pregnancy as a self-employed woman in Germany?
- How am I health insured in Germany if I become unemployed or resign?
- How am I insured during a sabbatical in Germany?
- How am I insured when I retire abroad from Germany?
- How am I protected when I care for my parents in Germany?
- How are my child's phone, tablet and bike insured in Germany?
- How can grandparents provide for their grandchildren?
- How do I insure an adopted or foster child in Germany?
- Is a baby insured through the mother or the father in Germany?
- Is child disability insurance worth it in Germany?
- Is my child insured at daycare, at school and on the way to school in Germany?
- Is my child insured in a holiday job or internship in Germany?
- What do I need to change in my insurance after moving house in Germany?
- What happens to joint insurance policies after separation and divorce in Germany?
- What happens to my insurance during parental leave in Germany?
- What happens to the insurance on an inherited house in Germany?
- What insurance do I need after university in Germany?
- What insurance do I need as a student in Germany?
- What insurance do I need as a tenant in Germany?
- What insurance do I need for a condominium in Germany?
- What insurance do I need for my first car in Germany?
- What insurance do I need when I get a dog in Germany?
- What insurance do I need when building a house in Germany, from construction to moving in?
- What insurance do I need when buying a flat in Germany?
- What insurance do I need when moving into my first flat in Germany?
- What insurance does a blended family in Germany need?
- What insurance does my child need for a moped, scooter or e-scooter in Germany?
- What insurance does my child need for a year abroad or work and travel?
- Which insurance can I cancel once the children have moved out?
- Which insurance do I need after buying a house in Germany?
- Which insurance do I need after returning to Germany?
- Which insurance do I need as an apprentice in Germany?
- Which insurance do I need if I become unemployed?
- Which insurance do I need when I become self-employed in Germany?
- Which insurance do I need when I move abroad from Germany?
- Which insurance do I need when a baby is coming in Germany?
- Which insurance do I need when starting work after university in Germany?
- Which insurance do retirees in Germany need, and which can they drop?
- Which insurance do you really need, and which not?
- Which insurance do you still need in a care home in Germany?
- Which insurance policies are really worth it for children in Germany?
- Which insurance policies can you combine after getting married in Germany?
- Which insurance policies change when you turn 25 in Germany?
- Which insurance policies do I need to cancel or transfer after a death?
- Which insurance policies do we need when moving in together in Germany?
- Which insurance policies should I review at 50?
- Who pays if my child's glasses break at school in Germany?
Special insurance: covering the unusual
- Am I insured against earthquakes in Germany?
- Am I insured for cosmetic surgery in Turkey?
- Am I insured if I rent out my motorhome privately in Germany?
- Am I insured on an expedition or when climbing at high altitude?
- Are the contents of a bank safe deposit box insured in Germany?
- Can you insure a collection like Pokémon cards or Lego in Germany?
- Can you insure a flight to space?
- Can you insure a private submarine in Germany?
- Can you insure a snowmobile in Germany?
- Can you insure cryptocurrency in Germany?
- Can you insure individual body parts like celebrities do?
- Can you insure your hands?
- Can you insure your holiday against bad weather?
- Can you insure your voice in Germany?
- Can you insure your wedding against cancellation in Germany?
- Do I have to declare my safe to my contents insurance?
- Do I need insurance as a paraglider pilot in Germany?
- Do I need insurance for a model aircraft in Germany?
- Do I need insurance for my breast augmentation in Germany?
- Do I need separate diving insurance as a diver living in Germany?
- Does German health insurance pay for tattoo or piercing complications?
- Does a Segway need insurance in Germany?
- Does accident insurance pay for skydiving and extreme sports in Germany?
- Does insurance pay if a meteorite hits my house in Germany?
- Does insurance pay out in a war in Germany?
- Does trip cancellation insurance pay if my dog gets sick?
- How do I insure a Rolex or other luxury watch in Germany?
- How do I insure a classic motorcycle in Germany?
- How do I insure a glider in Germany?
- How do I insure a motocross or enduro bike in Germany?
- How do I insure a private aircraft in Germany?
- How do I insure a quad or ATV in Germany?
- How do I insure a snake or another exotic pet in Germany?
- How do I insure a static mobile home in Germany?
- How do I insure a trike in Germany?
- How do I insure a vintage tractor in Germany?
- How do I insure art at home in Germany?
- How do I insure my musical instrument in Germany?
- How do you insure a private helicopter in Germany?
- How much does it cost to insure a Ferrari or Lamborghini in Germany?
- How much does microlight aircraft insurance cost in Germany?
- Is a rent deposit guarantee worth it?
- Is gold kept at home insured in Germany?
- Is hunting liability insurance compulsory in Germany?
- Is my camera gear insured when I travel?
- Is my car or motorbike insured on a track day in Germany?
- Is my wine cellar or whisky collection insured?
- Is separate jewellery insurance worth it in Germany?
- Is there insurance against alien abduction in Germany?
- Is there kidnap and ransom insurance in Germany?
- What does horse mortality insurance pay in Germany?
- What does ticket insurance cover for concerts and events?
- What insurance do hobby beekeepers need in Germany?
- What insurance do long-term campers need in Germany?
- What insurance does a hot air balloon need in Germany?
- What is follow-up cost insurance for cosmetic surgery in Germany?
- What is hole-in-one insurance?
- What is loss of licence insurance for pilots in Germany?
- What is youngtimer insurance in Germany?
- Which insurance can people with disabilities get in Germany?
- Who pays for a rescue helicopter and mountain rescue in Germany?
- Will insurance pay if I lose my wedding ring in Germany?
New risks: AI, robots and what comes next
- Am I liable if I make a mistake with AI at work?
- Are software companies liable like manufacturers from December 2026?
- Can I use AI images on my business website, and who is liable?
- Do I have to disclose a genetic test to an insurer?
- Does building insurance pay for cracks caused by heat and drought?
- Does comprehensive car insurance pay if your EV battery breaks?
- Does insurance pay if an employee falls for a deepfake call?
- Does insurance pay if burglars hack my smart home in Germany?
- How am I insured as a passenger in an air taxi in Germany?
- Is my electric car insured when it feeds power back into the house?
- Is my robot lawn mower insured if it is stolen or injures someone?
- Is there insurance against errors made by artificial intelligence?
- What does the quantum computing risk mean for encryption in a German business?
- What happens to my accounts and data when I die in Germany?
- Which EU AI Act obligations already apply to my business?
- Which insurance helps with cyberbullying and online defamation in Germany?
- Which insurance pays for online identity theft?
- Who is liable for a mistake in a video consultation?
- Who is liable for bugs in code that an AI has written?
- Who is liable if a delivery drone crashes onto my property?
- Who is liable if a humanoid household robot damages something?
- Who is liable if a robot injures an employee at work?
- Who is liable if an autonomous tractor or field robot causes damage?
- Who is liable if my car causes an accident in Level 3 mode?
- Who is liable in Germany if a 3D-printed spare part breaks?
- Who is liable in Germany if a brain implant or connected medical device fails?
- Who is liable in an accident with a rental e-scooter in Germany?
- Who is liable when my company's AI chatbot gives customers wrong advice?
- Who pays if I am injured as a passenger in a robotaxi?
- Who pays if I break something while using a VR headset?
- Who pays if a satellite part or space debris hits my house in Germany?
- Who pays if an exoskeleton or a smart prosthesis fails?
- Who pays if scammers use a cloned voice to take your money?
- Who pays when an AI agent buys or books something in my name?
- Will my house become uninsurable because of climate change in Germany?
Insurance by occupation: what your job needs
- What insurance do IT employees working from home in Germany need?
- What insurance do bank employees in Germany need?
- What insurance do chefs and waiting staff in Germany need?
- What insurance do civil servants in public administration need in Germany?
- What insurance do construction workers in Germany need?
- What insurance do employed engineers in Germany need?
- What insurance do employed pharmacists in Germany need?
- What insurance do employed physiotherapists in Germany need?
- What insurance do employed tradespeople in Germany need?
- What insurance do judges and public prosecutors need in Germany?
- What insurance do pilots and cabin crew in Germany need?
- What insurance do professional firefighters need in Germany?
- What insurance do retail sales staff in Germany need?
- What insurance do self-employed tradespeople in Germany need?
- What insurance do trainee civil servants and legal trainees need in Germany?
- Which insurance do actors in Germany need?
- Which insurance do clergy and church employees in Germany need?
- Which insurance do cross-border commuters need?
- Which insurance do customs and prison officers in Germany need?
- Which insurance do employed dentists in Germany need?
- Which insurance do employed doctors in Germany need?
- Which insurance do employees posted abroad from Germany need?
- Which insurance do field sales employees in Germany need?
- Which insurance do journalists in Germany need?
- Which insurance do mini jobbers in Germany need?
- Which insurance do nursery educators in Germany need?
- Which insurance do nurses and care workers in Germany need?
- Which insurance do orchestra musicians in Germany need?
- Which insurance do paramedics in Germany need?
- Which insurance do police officers in Germany need?
- Which insurance do professional athletes in Germany need?
- Which insurance do researchers at universities in Germany need?
- Which insurance do security guards in Germany need?
- Which insurance do soldiers in Germany need?
- Which insurance do teachers in Germany need?
- Which insurance do train drivers and truck drivers in Germany need?
- Which insurance do working students in Germany need?
Personal liability
- Am I covered by personal liability insurance when volunteering in Germany?
- Are my partner and children covered by my personal liability insurance?
- Are students covered by their parents' liability insurance?
- Can I deduct liability insurance from my taxes in Germany?
- Can I get liability insurance despite a Schufa entry or personal insolvency?
- Do I have to repair the damage if liability insurance pays?
- Do I need liability insurance for my oil tank?
- Do I need personal liability insurance in Germany?
- Do homeowners in Germany need property owner liability insurance?
- Do people with dementia need liability insurance?
- Does German personal liability insurance cover you abroad?
- Does liability insurance cover damage to your rented flat?
- Does liability insurance fight off unjustified claims in Germany?
- Does liability insurance pay for damage when you help a friend?
- Does liability insurance pay for damage within the family?
- Does liability insurance pay if I cause damage on purpose in Germany?
- Does liability insurance pay if I damage my own things in Germany?
- Does liability insurance pay if I damage someone else's phone?
- Does liability insurance pay if something is stolen from me?
- Does liability insurance pay pain and suffering damages?
- Does my liability insurance pay if my washing machine leaks?
- Does personal liability insurance cover a side job in Germany?
- Does personal liability insurance cover borrowed items in Germany?
- Does personal liability insurance cover me when skiing?
- Does personal liability insurance pay for damage that develops slowly over time?
- Does personal liability insurance pay for lost keys in Germany?
- How do I cancel my personal liability insurance in Germany?
- How do I switch my personal liability insurance in Germany?
- How high should your personal liability cover be?
- How much does personal liability insurance cost in Germany?
- Is a deductible worth it for personal liability insurance?
- Is damage in a holiday flat covered by personal liability insurance?
- Is personal liability insurance compulsory in Germany?
- Liability insurance only pays the current value: who covers the rest?
- Should you combine contents and liability insurance in Germany?
- Single or family policy: which liability insurance fits?
- What does personal liability insurance cover in Germany?
- What is bad debt cover (Forderungsausfalldeckung) in German liability insurance?
- What should I do after a liability claim in Germany?
- When does personal liability insurance not pay in Germany?
- Who is liable if a roof tile or snow from a roof hits someone in Germany?
- Who is liable if someone is injured on my property?
- Who is liable if someone slips on ice outside my house in Germany?
- Who pays for damage caused by New Year's Eve fireworks in Germany?
- Who pays if my child breaks something at school?
- Who pays if my cleaner breaks something?
- Who pays when a child under seven causes damage?
- Who reports a liability claim: the person responsible or the injured party?
Contents insurance
- Are data and digital content covered by contents insurance in Germany?
- Are garden furniture and barbecues on a balcony or terrace insured?
- Burglary or simple theft: what does contents insurance cover in Germany?
- Can you deduct contents insurance from your taxes in Germany?
- Does German contents insurance cover theft from a hotel room?
- Does German contents insurance pay for theft from a car?
- Does contents insurance cover power surges from lightning in Germany?
- Does contents insurance in Germany pay new value or current value?
- Does contents insurance in Germany pay without a receipt?
- Does contents insurance pay for scorch damage?
- Does contents insurance pay for the locksmith?
- Does contents insurance pay if I become a victim of phishing?
- Does contents insurance pay if the door was not locked?
- Does contents insurance pay out for gross negligence in Germany?
- Does insurance pay for a broken ceramic hob in Germany?
- Does insurance pay for pest control for bed bugs or rats?
- Does insurance pay if my aquarium leaks?
- Does insurance pay if there was no smoke alarm?
- How are contents in a second home insured in Germany?
- How are jewellery and valuables covered by contents insurance in Germany?
- How do I avoid underinsurance on my contents insurance in Germany?
- How do I cancel my contents insurance in Germany?
- How do I get new insurance after my insurer cancelled?
- How do I switch my contents insurance in Germany?
- How do you insure your belongings in a shared flat in Germany?
- How high should the sum insured for contents insurance be?
- How much does contents insurance cost in Germany?
- Is a pram left in the stairwell covered by German contents insurance?
- Is contents insurance worth it in Germany?
- Is glass insurance worth it in Germany?
- Is my bike covered by my contents insurance in Germany?
- Is my phone covered by contents insurance in Germany?
- Is there a contents insurance discount for burglary protection?
- Is your home office covered by contents insurance in Germany?
- What counts as living space for contents insurance in Germany?
- What does 'unnamed perils' mean in contents insurance?
- What does contents insurance cover in Germany?
- What does contents insurance pay after a burglary in Germany?
- What does contents insurance pay for water damage in Germany?
- What happens to your contents insurance when you move in Germany?
- What is the difference between Haushaltsversicherung and Hausratversicherung?
- What is the outside-the-home cover in German contents insurance?
- What should I do after a contents insurance claim in Germany?
- When does contents insurance not pay in Germany?
- Who pays after a fire in a rented flat in Germany?
- Who pays if something breaks during a move?
- Who pays to remove a wasp nest in Germany?
Buildings insurance
- Are garages and outbuildings covered by buildings insurance in Germany?
- Are leaking silicone joints covered by buildings insurance in Germany?
- Are sewage pipes covered by building insurance in Germany?
- Can my insurer cancel my policy after a claim in Germany?
- Can tenants in Germany deduct building insurance from tax?
- Can your landlord charge you for building insurance in Germany?
- Do I have to report a renovation to my buildings insurance?
- Does building insurance in Germany pay for burglary damage to doors and windows?
- Does building insurance in Germany pay for vandalism and graffiti?
- Does buildings insurance cover underfloor heating leaks in Germany?
- Does buildings insurance in Germany pay for frost damage?
- Does buildings insurance in Germany pay for leak detection?
- Does buildings insurance in Germany pay for water damage from pipes?
- Does buildings insurance pay for mould in Germany?
- Does buildings insurance pay on a quote without a repair in Germany?
- Does buildings insurance pay out for gross negligence in Germany?
- Does insurance pay when rainwater gets in through the roof or windows?
- From what wind speed does insurance pay for storm damage in Germany?
- How do I cancel building insurance in Germany?
- How do I insure a holiday home in Germany?
- How do I insure a listed house in Germany?
- How do I insure a tiny house in Germany?
- How do I insure an apartment building in Germany properly?
- How do I switch buildings insurance in Germany?
- How is a flat you own insured in Germany?
- How much does buildings insurance cost in Germany?
- Is a deductible worth it for buildings insurance in Germany?
- Is a garden pool covered by buildings insurance in Germany?
- Is a prefab house more expensive to insure in Germany?
- Is a wallbox covered by buildings insurance in Germany?
- Is building insurance tax deductible in Germany?
- Is buildings insurance mandatory in Germany?
- Is my heat pump covered by buildings insurance in Germany?
- Is rent default insurance worth it for landlords in Germany?
- Is there a new-build discount on buildings insurance in Germany?
- What applies to buildings insurance in Germany when the house is empty?
- What does buildings insurance cover in Germany?
- What does the 1914 value mean in German buildings insurance?
- What does underinsurance mean in German buildings insurance?
- What happens to the building insurance when you buy a house in Germany?
- What is the difference between contents and buildings insurance?
- What is the expert procedure in German buildings insurance?
- What is the sliding replacement value factor in German buildings insurance?
- Which insurance do I need as a landlord in Germany?
- Who pays building insurance under a usufruct (Nießbrauch) in Germany?
- Who pays for a fire brigade call-out in Germany?
- Who pays for a hotel if your home in Germany becomes uninhabitable?
- Who pays if a tree falls on my house in Germany?
- Who pays when the drain is blocked in Germany?
- Who pays when the fire brigade or police break down my door in Germany?
- Who pays when water from the neighbour's flat comes through the ceiling?
- Why does my German building insurance premium keep going up?
Natural hazard cover
- Are landslides and subsidence covered by insurance in Germany?
- Do I need natural hazard insurance as a tenant in Germany?
- Does insurance pay for heavy rain and flooding in Germany?
- How high is the deductible for natural hazard insurance in Germany?
- How much does natural hazard insurance cost in Germany?
- Is a backflow valve required for insurance cover in Germany?
- Is groundwater damage covered by insurance in Germany?
- Is natural hazard insurance tax deductible in Germany?
- Is natural hazard insurance worth it in Germany?
- Is sewage backflow covered by insurance in Germany?
- What counts as natural hazard damage in Germany and what is covered?
- What does the ZÜRS flood zone mean for my insurance in Germany?
- What should I do first after a flood in Germany?
- What to do if flood and natural hazard cover is refused in Germany?
- Will natural hazard insurance become compulsory in Germany?
Solar panel insurance
- Do I have to tell my insurer about my balcony solar plant?
- Do I need legal expenses insurance for my solar panels?
- Do you need insurance for a solar PV system in Germany?
- Do you need liability insurance for solar panels in Germany?
- Does buildings insurance cover solar panels in Germany?
- Does insurance pay for hail damage to solar panels in Germany?
- How much does solar panel insurance cost in Germany?
- Is a balcony solar plant insured in Germany?
- Is a home battery covered by insurance in Germany?
- What does insurance pay for lost solar income in Germany?
Self-build insurance
- Are friends helping to build your house insured in Germany?
- Do I need builder's liability insurance for a renovation in Germany?
- Do I need builder's liability insurance if I build turnkey in Germany?
- Do you need builder's liability insurance in Germany?
- How much does builder's liability insurance cost in Germany?
- What is builder's risk insurance in Germany and who needs it?
- What is fire insurance for a house under construction in Germany?
- When should I take out builder's liability insurance and when does it end?
- Which insurance do you need to build a house in Germany?
Car insurance
- Am I insured if I drive someone else's car?
- Am I insured when using car sharing in Germany?
- Am I still insured if my TÜV has expired?
- Can I deduct car insurance from my taxes in Germany?
- Can I drive barefoot or in flip-flops in Germany without losing cover?
- Can I have my comprehensive claim paid out instead of repairing?
- Can I insure a car without a driving licence in Germany?
- Can I transfer my no-claims class in Germany?
- Can I use dashcam footage as evidence after an accident in Germany?
- Do German car insurers check my Schufa credit score?
- Do I get money back if I drive fewer kilometres in Germany?
- Do I need insurance for an e-scooter in Germany?
- Do I need separate insurance for my trailer in Germany?
- Do I still need a Green Card to drive abroad?
- Does German car insurance cover you abroad?
- Does car insurance in Germany get more expensive with age?
- Does car insurance pay after drink driving in Germany?
- Does car insurance pay for an aquaplaning accident?
- Does comprehensive car insurance pay for engine or gearbox damage in Germany?
- Does insurance pay for a rental car after an accident in Germany?
- Does insurance pay for an accident with summer tyres in winter?
- Does insurance pay for loss of value after an accident?
- Does insurance pay for vandalism to my car?
- Does insurance pay if I put the wrong fuel in my car?
- Does insurance pay if my e-scooter is stolen in Germany?
- Does partial cover pay for marten damage to my car in Germany?
- How can new drivers pay less for car insurance in Germany?
- How do I insure a 125cc motorbike with a B196 licence in Germany?
- How do I insure a caravan in Germany?
- How do I insure a classic car in Germany?
- How do I insure a leased car in Germany properly?
- How do I insure a second car cheaply in Germany?
- How do I insure accompanied driving at 17 in Germany?
- How do I switch my car insurance in Germany?
- How does the no-claims class (SF-Klasse) work in Germany?
- How is a car with red number plates insured in Germany?
- How long do I have to report a car insurance claim in Germany?
- How much does car insurance cost in Germany?
- How much does car insurance go up after an accident in Germany?
- How much does insurance for an electric car cost?
- How much does motorcycle insurance cost in Germany?
- How much does motorhome insurance cost in Germany?
- How much is insurance for a short-term number plate in Germany?
- Is a seasonal number plate worth it for car insurance in Germany?
- Is an interchangeable number plate worth it in Germany?
- Is breakdown cover (Kfz-Schutzbrief) worth it in Germany?
- Is car insurance with a partner garage worth it in Germany?
- Is driver protection insurance worth it?
- Is my car insured on a ferry crossing?
- Is new-price cover worth it in comprehensive car insurance?
- Is no-claims protection (Rabattschutz) worth it in Germany?
- Is partial cover still worth it for an old car in Germany?
- Is telematics car insurance worth it in Germany?
- Is the charging cable of an electric car insured?
- Is there a car insurance discount for severe disability in Germany?
- Should I pay for car damage myself in Germany?
- What are type class and regional class in German car insurance?
- What can I do if the other driver or their insurer does not respond after an accident in Germany?
- What does insurance pay after hitting a deer in Germany?
- What does insurance pay for a total loss?
- What does insurance pay if my car is stolen in Germany?
- What happens after an accident with a driver not named on the car insurance in Germany?
- What happens to car insurance when the registered keeper dies in Germany?
- What happens to car insurance when you buy a new car in Germany?
- What happens to my insurance if I deregister my car?
- What happens to your car insurance when you sell your car in Germany?
- What insurance do I need for a rental car?
- What insurance do I need for a rented motorhome?
- What is GAP insurance for a leased car in Germany?
- What is a special no claims classification in German car insurance?
- What is an eVB number and how do I get one in Germany?
- What is foreign claims cover (Auslandsschadenschutz)?
- What is the HIS database of German insurers and what does it hold about me?
- What is the Mallorca-Police and when do you need it?
- What is the difference between Teilkasko and Vollkasko?
- What should I do after a car accident abroad?
- What should I do after a car accident in Germany?
- What to do if the insurer cuts your garage bill?
- When can I cancel my car insurance early in Germany?
- When can I cancel my car insurance in Germany?
- When does my no-claims class expire in Germany?
- When is comprehensive car insurance worth it in Germany?
- Which deductible makes sense for car insurance in Germany?
- Which insurance pays for a stone chip in Germany?
- Which insurance pays for hail damage to my car in Germany?
- Who is liable for an accident during a driving lesson in Germany?
- Who is liable for an accident during a test drive in Germany?
- Who is liable for an accident in a car park in Germany?
- Who is liable for an accident in a car pool in Germany?
- Who is liable if a passenger is not wearing a seatbelt in Germany?
- Who is liable in a car and cyclist accident in Germany?
- Who pays after a rear-end collision in Germany?
- Who pays after an accident with an uninsured car in Germany?
- Who pays for parking damage to my car in Germany?
- Who pays for pothole damage to my car in Germany?
- Who pays for the damage after a hit-and-run in Germany?
- Who pays if a dog or cat runs in front of my car in Germany?
- Who pays if a tree or branch falls on my car?
- Who pays if my car catches fire in Germany?
- Who pays if the garage damages my car in Germany?
- Who pays the vehicle assessor after a not at fault accident?
- Who pays when snow falls off a roof onto my car?
- Why did my no-claims class drop when I was not at fault?
- Will a Teilkasko claim push up my no-claims class in Germany?
Bicycle and e-bike
- Contents insurance or a separate bike policy: which is better?
- Does bike coding help against theft and with insurance?
- Does bike insurance in Germany cover wear and inspection?
- Does bike insurance in Germany pay without a receipt or frame number?
- Does insurance pay the new value when your bike is stolen?
- Does my bike have to be locked in the cellar?
- How do I cancel my bike insurance in Germany?
- How do I insure a cargo bike in Germany?
- How do I insure my Jobrad company bike after the lease buyout in Germany?
- How is a leased company bike insured in Germany?
- How much does bike insurance cost in Germany?
- Is e-bike insurance worth it in Germany?
- Is insurance for e-bikes mandatory?
- Is road bike insurance worth it in Germany?
- Is the battery covered by e-bike insurance?
- Is your bike on a car bike rack insured in Germany?
- What does bike breakdown cover do in Germany?
- What is the difference between an e-bike and a pedelec?
- What is the night-time clause in bike insurance?
- What should I do after a bike accident in Germany?
- What should I do if my bike is stolen in Germany?
Travel insurance
- Annual or single trip travel insurance: which is better?
- By when can I take out trip cancellation insurance?
- Do I have to pay the doctor upfront abroad?
- Do I need travel health insurance when I live in Germany?
- Does travel health insurance pay for the dentist?
- Does travel insurance cover pre-existing conditions?
- Does travel insurance pay in case of war or a pandemic?
- Does trip cancellation insurance pay for a wildfire at the holiday destination?
- Does trip cancellation insurance pay if there is a travel warning?
- Does trip cancellation insurance pay out for a pregnancy?
- How high should the sum insured for trip cancellation insurance be?
- How much does travel health insurance cost in Germany?
- How much does trip cancellation insurance cost in Germany?
- Is luggage insurance worth it in Germany?
- Is the travel insurance on your credit card enough?
- Is there cancel for any reason travel insurance in Germany?
- Is there travel health insurance with no age limit?
- Is travel accident insurance worth it?
- Is trip cancellation insurance worth it for a school trip?
- Medically advisable or necessary: when is repatriation covered?
- What are my rights if my flight is delayed or cancelled?
- What does travel health insurance cover?
- What is the difference between trip cancellation and trip interruption cover?
- What is the excess on trip cancellation insurance?
- When does trip cancellation insurance not pay?
- When does trip cancellation insurance pay in Germany?
- When is trip cancellation insurance worth it?
- Which medical certificate do I need for trip cancellation insurance?
- Which travel health insurance do I need for a long stay abroad?
- Who is covered by trip cancellation insurance?
- Who pays if my suitcase gets lost?
Drone insurance
- Do I have to carry proof of insurance when flying a drone in Germany?
- Do I need insurance for a drone under 250 grams in Germany?
- Do I need to register my drone and get a drone licence in Germany?
- Does my personal liability insurance cover my drone?
- How much does drone insurance cost in Germany?
- Is drone insurance mandatory in Germany?
- Who pays for damage to my own drone?
- Who pays if a friend causes damage with my drone?
Dog and horse liability
- Are puppies covered by dog liability insurance?
- Do you need liability insurance for a cat in Germany?
- Does dog liability insurance pay if the dog was not on a leash?
- How do I cancel my dog liability insurance?
- How do I insure a listed dog breed in Germany?
- How much does dog liability insurance cost in Germany?
- How much does horse liability insurance cost in Germany?
- Is a horse share rider covered by horse liability insurance?
- Is my dog covered by liability insurance on holiday abroad?
- What does dog liability insurance in Germany cover?
- What happens to dog liability insurance in Germany when the dog dies?
- What insurance do you need for a dog in Germany?
- What insurance does a horse owner need in Germany?
- Which German states require dog liability insurance?
- Who is liable when a dog sitter looks after my dog?
- Who pays if my dog bites a person in Germany?
- Who pays if my dog bites another dog in Germany?
- Why does dog liability insurance only pay 50 percent?
Pet health insurance
- Can I get health insurance for my rabbit or guinea pig in Germany?
- Can pre-existing conditions in pets be insured in Germany?
- Can the vet bill the insurance directly in Germany?
- Does cat insurance pay for FORL and other dental treatment in Germany?
- Does pet health insurance in Germany have waiting periods?
- Does pet health insurance pay for vaccinations in Germany?
- Does pet insurance get more expensive as my pet ages in Germany?
- Does pet insurance pay for neutering in Germany?
- How do I cancel pet health insurance in Germany?
- How much does cat health insurance cost in Germany?
- How much does dog health insurance cost in Germany?
- How much does dog surgery cost in Germany?
- Is dog health insurance worth it in Germany?
- Is health insurance for an indoor cat worth it in Germany?
- Is surgery insurance for your horse worth it in Germany?
- Surgery cover or full cover for your dog or cat?
- Up to what age can I get health insurance for my dog or cat in Germany?
- What does the GOT mean for vet costs in Germany?
Legal expenses insurance
- Can I choose my own lawyer with legal expenses insurance in Germany?
- Do I need tenancy legal expenses cover in Germany?
- Do retirees need legal insurance in Germany?
- Does German legal expenses insurance cover you abroad?
- Does legal expenses insurance cover a divorce in Germany?
- Does legal expenses insurance cover inheritance disputes in Germany?
- Does legal expenses insurance help with mould in a rented flat?
- Does legal expenses insurance pay for a service charge dispute in Germany?
- Does legal expenses insurance pay in criminal proceedings in Germany?
- Does legal insurance help if my employer dismisses me in Germany?
- Does legal insurance pay for a dispute with your neighbour in Germany?
- Does legal insurance pay for a first consultation with a lawyer in Germany?
- Does legal insurance pay the court costs if I lose in Germany?
- Does switching legal expenses insurance restart the waiting period?
- How do I cancel my legal expenses insurance in Germany?
- How do I get cover confirmation from German legal expenses insurance?
- How long is the waiting period for legal expenses insurance in Germany?
- How much does a lawyer cost in Germany without legal insurance?
- How much does legal expenses insurance cost in Germany?
- Is legal expenses insurance tax deductible in Germany?
- Is legal expenses insurance without a deductible worth it in Germany?
- Is legal expenses insurance worth it in Germany?
- Is traffic legal expenses insurance worth it in Germany?
- What can I do if legal expenses insurance refuses to pay despite confirmed cover?
- What does a pre-existing dispute mean in German legal expenses insurance?
- What does landlord legal expenses insurance cover in Germany?
- What does legal expenses insurance cover in Germany?
- When does legal expenses insurance not pay?
- Which legal expenses insurance do self-employed people need in Germany?
- Who is covered by family legal insurance in Germany?
Accident insurance
- Am I covered by accident insurance during breaks and in the toilet at work in Germany?
- Am I covered by accident insurance if I work while on sick leave in Germany?
- Am I covered by accident insurance when volunteering in Germany?
- Am I covered by accident insurance when working from home in Germany?
- Can accident insurance cut my payout because of pre-existing conditions?
- Does accident insurance in Germany pay for cosmetic surgery after an accident?
- Does accident insurance pay after a tick bite?
- Does accident insurance pay for a broken bone in Germany?
- Does accident insurance pay for a herniated disc in Germany?
- Does accident insurance pay for a stroke or heart attack in Germany?
- Does accident insurance pay for a torn ligament or cruciate ligament in Germany?
- Does accident insurance pay if I fall due to circulation problems in Germany?
- Does accident insurance pay out on death in Germany?
- Does my child need accident insurance in Germany?
- Does private accident insurance also pay for a workplace accident in Germany?
- Does private accident insurance pay pain and suffering damages in Germany?
- How do I cancel my accident insurance in Germany?
- How do I challenge my accident insurer's medical report?
- How high should the basic sum insured be in accident insurance?
- How much does private accident insurance cost in Germany?
- Is accident insurance tax deductible?
- Is accident insurance with premium refund worth it in Germany?
- Is accident insurance worth it for retirees in Germany?
- Is an accident pension worth it in private accident insurance in Germany?
- Is an automatic annual increase worth it in accident insurance?
- Is hospital daily allowance in accident insurance worth it?
- Is private accident insurance worth it in Germany?
- What accident insurance do athletes need in Germany?
- What counts as an accident in German accident insurance?
- What deadlines apply after an accident for accident insurance in Germany?
- What does private accident insurance cover in Germany?
- What happens to accident insurance when a care level is assessed in Germany?
- What is a commuting accident in Germany?
- What is an immediate payment for serious injuries in German accident insurance?
- What is the Gliedertaxe?
- What is the difference between statutory and private accident insurance in Germany?
- What is the recovery allowance in German accident insurance?
- What is the transitional benefit (Übergangsleistung) in German accident insurance?
- When does accident insurance not pay in Germany?
- Which progression should you choose for accident insurance?
Occupational disability
- Can I get income protection insurance with ADHD in Germany?
- Can I get income protection insurance with diabetes in Germany?
- Can I still get disability insurance after psychotherapy in Germany?
- Disability cover combined with pension insurance: split or keep?
- Do I have to pay tax on my BU pension in Germany?
- Does German disability insurance pay for mental illness?
- Does disability insurance pay if I already get sick pay (Krankengeld)?
- Does disability insurance pay on top of the state reduced earning capacity pension?
- Does disability insurance pay out for cancer?
- Does disability insurance pay retroactively?
- How do I claim occupational disability benefits in Germany?
- How high should your BU benefit be in Germany?
- How long should occupational disability insurance run in Germany?
- How much does occupational disability insurance cost in Germany?
- Is disability insurance worth it for children and school pupils in Germany?
- Is disability insurance worth it for students in Germany?
- Is income protection insurance worth it for an office job in Germany?
- Is occupational disability insurance worth it in Germany?
- Is there income protection insurance without health questions in Germany?
- Should I cancel my German disability insurance?
- What are the alternatives to BU insurance in Germany?
- What are the most common causes of occupational disability?
- What can I do if my BU application was rejected?
- What does indexation (Dynamik) do in German disability insurance?
- What happens to my disability insurance premiums if I never become disabled?
- What is Existenzschutz insurance in Germany?
- What is abstract referral (abstrakte Verweisung)?
- What is critical illness insurance in Germany?
- What is service incapacity insurance for German civil servants?
- What is the difference between berufsunfähig and erwerbsunfähig?
- What is the guaranteed increase option (Nachversicherungsgarantie) in German BU insurance?
- What should I watch out for in the health questions?
- When does occupational disability insurance pay out in Germany?
- When should I take out disability insurance?
- Who pays my health insurance when I receive a disability pension in Germany?
Term life insurance
- Can I cancel my term life insurance in Germany?
- Can I convert term life insurance into an endowment policy in Germany?
- Can I get term life insurance in Germany with a pre-existing condition?
- Can I get term life insurance in Germany without health questions?
- Credit life insurance or term life insurance: which is better?
- Decreasing or level sum insured: which is better?
- Do children need term life insurance?
- Does life insurance pay out after suicide in Germany?
- How can couples best protect each other?
- How do I report a death to a life insurer in Germany?
- How do you protect a German mortgage?
- How long does a term life insurance payout take in Germany?
- How long should term life insurance run in Germany?
- How much does term life insurance cost in Germany?
- How much life cover do you need in Germany?
- Is a term life insurance payout tax free in Germany?
- Is the German widow's pension enough to protect the family?
- Term life or endowment life insurance in Germany: what is the difference?
- Up to what age can you take out term life insurance in Germany?
- What does a crosswise term life policy (über Kreuz) mean in Germany?
- What does profit participation bring in German term life insurance?
- What happens if both insured persons on a joint term life policy die?
- What happens to term life insurance when the term ends?
- When do you count as a non-smoker for term life insurance?
- When does term life insurance not pay out in Germany?
- When is term life insurance worth it in Germany?
- Who gets the money from a term life insurance policy in Germany?
Funeral insurance
- Can the social welfare office touch my funeral insurance in Germany?
- Do I get the funeral insurance payout if I renounce the inheritance?
- Do I need a certificate of inheritance for the funeral insurance payout in Germany?
- Does German health insurance still pay a death grant?
- Does the funeral insurance payout have to be used for the funeral in Germany?
- Funeral insurance or savings account: which is better?
- Funeral insurance or term life insurance: which fits better?
- How fast does funeral insurance pay out in Germany?
- How much does a funeral cost in Germany?
- How much does funeral insurance cost in Germany?
- Is funeral insurance worth it for married couples in Germany?
- Is funeral insurance worth it in Germany?
- Is there a waiting period for funeral insurance in Germany?
- What is the difference between a Sterbekasse and funeral insurance?
Private pension
- Annuity or lump sum: which is better in Germany?
- Can I give away or pass on a life insurance policy in Germany?
- Do I have to cash in my life insurance to get basic income support in Germany?
- Do I pay health insurance contributions on my life insurance payout in Germany?
- How does an immediate annuity work in Germany?
- How is a private pension taxed in Germany?
- How is the surrender value of a German pension policy calculated?
- How much state pension will I get in Germany?
- Is a unit-linked pension insurance worth it in Germany?
- Is life insurance for children worth it?
- Is private pension insurance worth it in Germany?
- Is the Riester pension still worth it in Germany?
- Life insurance in Germany: cancel, make paid up or sell?
- Pension insurance or ETF savings plan in Germany: which is better?
- Should I cancel my German pension insurance or make it paid up?
- Should I opt out of pension insurance in a minijob?
- What are valuation reserves (Bewertungsreserven) and are they paid out on German life insurance?
- What does a pension insurance without a lump sum option mean?
- What happens if I cancel my Riester contract?
- What happens to my Riester contract after the 2027 reform?
- What happens to my policy if my insurer goes bust in Germany?
- What happens to private pension insurance when you die?
- What is a net policy (Nettopolice) and is it worth it?
- What is profit participation in German pension insurance?
- What is the German Altersvorsorgedepot from 2027?
- What is the annuity factor and what is a good value?
- What is the difference between private pension insurance and life insurance?
- What is the early start pension for children in Germany?
- When is the payout from a life insurance tax free?
- When should you start saving for retirement in Germany?
- Where do I enter life insurance in my German tax return?
- Who is the Rürup pension worth it for?
Private health insurance
- Bisex or unisex tariff: is switching worth it in German private health insurance?
- Can I switch from private back to public health insurance in Germany?
- Do I have to pay doctor's bills upfront with private health insurance in Germany?
- Do I need Krankentagegeld insurance in Germany?
- Does German private health insurance pay for glasses?
- Does German private health insurance pay for psychotherapy?
- How are children covered by private health insurance in Germany?
- How do I cancel private health insurance in Germany?
- How long can I submit bills to my German private health insurance?
- How much does private health insurance cost in Germany?
- How much does private health insurance cost in retirement?
- How much does the employer pay towards private health insurance in Germany?
- How much is the pension subsidy for private health insurance in Germany?
- How much will private health insurance premiums rise in 2027?
- May a German doctor bill private patients more than 2.3 times the fee rate?
- Public or private health insurance in Germany: which is better?
- Should students in Germany take out private health insurance?
- What happens if I can no longer pay my private health insurance premiums?
- What happens if I forgot something in the health questions for German private health insurance?
- What happens to my German private health insurance when I emigrate?
- What happens to my private health insurance if I become unemployed in Germany?
- What happens to my private health insurance in Germany when my salary falls below the threshold?
- What is a dormant private health insurance policy in Germany?
- What is a premium relief tariff (Beitragsentlastungstarif) in German private health insurance?
- What is an internal tariff switch in German private health insurance?
- What is the basic tariff in German private health insurance?
- What is the opening campaign (Öffnungsaktion) of German private health insurance for civil servants?
- What is the standard tariff (Standardtarif) in German private health insurance?
- What to do if you no longer have health insurance in Germany?
- What to do when your private health insurance premium goes up
- When is the premium refund in German private health insurance worth it?
- Which health insurance do civil servants in Germany need?
- Which health insurance makes sense for the self-employed in Germany?
- Which private health insurance premiums are tax deductible in Germany?
- Who can get private health insurance in Germany?
- Who pays for weight loss injections in Germany: public insurance, private health insurance or a supplementary policy?
Supplementary health
- Are there waiting periods in supplementary health insurance?
- Can I become a private patient with statutory health insurance?
- Can I deduct supplementary health insurance from tax in Germany?
- Can I take out supplementary health insurance for an unborn child in Germany?
- Can you get supplementary health insurance without health questions?
- Does supplementary health insurance pay for a spa cure in Germany?
- Does supplementary health insurance pay for an already planned operation in Germany?
- Does supplementary health insurance pay for hearing aids?
- Does supplementary insurance pay for IGeL services at the doctor?
- Does supplementary insurance pay for a Heilpraktiker?
- Does supplementary insurance pay for laser eye surgery in Germany?
- How much does supplementary health insurance cost in Germany?
- Is glasses insurance worth it in Germany?
- Is supplementary health insurance for children worth it?
- Is supplementary health insurance worth it before pregnancy?
- Is supplementary hospital insurance worth it in Germany?
- What does employer supplementary health insurance give you?
- What does outpatient supplementary health insurance cover?
- What does public health insurance pay for glasses, and what does a top-up pay?
- Which supplementary health insurance is worth it in Germany?
- Who pays for osteopathy in Germany: public health insurance, private insurance or a supplement?
Dental insurance
- Does dental insurance pay for a night guard?
- Does dental insurance pay for braces for adults in Germany?
- Does dental insurance pay if treatment has already started?
- Does supplementary dental insurance cover composite fillings in Germany?
- Does supplementary dental insurance in Germany pay for a root canal?
- Does supplementary dental insurance pay for implants in Germany?
- Does supplementary dental insurance pay for periodontitis in Germany?
- Does supplementary dental insurance pay for professional teeth cleaning?
- Does supplementary dental insurance pay for veneers?
- How do I cancel my supplementary dental insurance in Germany?
- How much do crowns, bridges and implants cost in Germany, and what does public insurance pay?
- How much does supplementary dental insurance cost in Germany?
- Is dental insurance for children and braces worth it in Germany?
- Is dental insurance with ageing reserves worth it?
- Is supplementary dental insurance worth it in Germany?
- Is supplementary dental insurance worth it over 60 in Germany?
- Is there a waiting period for supplementary dental insurance in Germany?
- What counts as a missing tooth in German dental insurance?
- What do the KIG grades mean for braces in Germany?
- What does supplementary dental insurance cover in Germany?
- What does the Bonusheft save on crowns and bridges in Germany?
- What is a treatment and cost plan at the dentist in Germany?
- When does supplementary dental insurance not pay?
- Who pays for wisdom tooth removal in Germany?
Long-term care
- Can I take out private long-term care insurance with an existing care grade?
- Can you get private care insurance in Germany without a health check?
- Daily care allowance or care cost insurance: which is better in Germany?
- Do children have to pay for their parents' care in Germany?
- Does German care insurance pay for adapting your home?
- Does German long-term care insurance pay for 24-hour care?
- How do I apply for a care grade (Pflegegrad) in Germany?
- How much does a care home cost in Germany, and what does care insurance pay?
- How much does private long-term care insurance cost in Germany?
- How much long-term care insurance do pensioners pay in Germany?
- How much savings can you keep if you need care in Germany?
- Is dementia insurance worth it in Germany?
- Is private long-term care insurance worth it in Germany?
- Is the state-subsidised Pflege-Bahr worth it?
- What benefits do you get for each care grade in Germany?
- What changes for care grade 1 (Pflegegrad 1) in 2027?
- What happens to your home if you need long-term care in Germany?
- What is long-term care annuity insurance in Germany?
- When should I take out long-term care insurance in Germany?
- Which care aids like a care bed or rollator does German care insurance pay for?
- Who pays the childless surcharge in German long-term care insurance?
- Why is my long-term care insurance premium going up?
Business liability
- Does a small business (Kleingewerbe) in Germany need business liability insurance?
- Does business liability insurance in Germany pay for gross negligence?
- How much does business liability insurance cost in Germany?
- What damage does business liability insurance cover?
- What happens to business liability insurance when I close my business in Germany?
- What insurance does a GmbH need in Germany?
- What is product liability insurance in Germany?
- What notice periods apply to business liability insurance?
- When does business liability insurance not pay?
- Which insurance does a café or restaurant need in Germany?
- Who is liable if a tradesperson causes damage in my home in Germany?
- Who needs business liability insurance in Germany?
Professional indemnity
- Do civil servants and public sector employees in Germany need official liability insurance?
- Do employed physiotherapists in Germany need their own professional liability insurance?
- How much does professional liability insurance cost in Germany?
- What is financial loss liability insurance and who needs it in Germany?
- What is the difference between professional and business liability insurance?
- What professional liability insurance do IT freelancers in Germany need?
- Which professions need professional liability insurance in Germany?
- Who pays if I break something at work in Germany?
D&O insurance
Business legal expenses
Business contents
Commercial buildings
Business interruption
Electronic equipment
Machinery breakdown
Contractors all risks
Cargo insurance
Fleet insurance
Cyber insurance
- Do small businesses in Germany need cyber insurance?
- Does cyber insurance cover phishing in Germany?
- Does cyber insurance replace legal expenses insurance in Germany?
- How much does personal cyber insurance cost in Germany?
- Is personal cyber insurance worth it in Germany?
- What to do about online identity theft in Germany?
- When does cyber insurance not pay out in Germany?
- Who is liable for credit card fraud or a hacked bank account in Germany?
- Who pays if you are scammed shopping online in Germany?
Trade credit insurance
Company pension (bAV)
- Can I get my company pension at 63?
- Do I have to apply for my company pension myself?
- How does a Direktversicherung through your employer work?
- How does salary conversion for a company pension work?
- How does the supplementary pension in the German public sector work?
- How much does the employer add to a company pension in Germany?
- How much tax and social contributions do I pay on a company pension?
- Is a company pension split in a German divorce?
- Is a company pension worth it in Germany?
- What does German health insurance deduct from a lump-sum company pension payout?
- What does Germany's second Company Pensions Strengthening Act change from 2027?
- What happens to my company pension if I get a reduced earning capacity pension?
- What happens to my company pension if my employer goes bankrupt?
- What happens to my company pension when I change jobs?
- What happens to my company pension when I die?