# Guide Germany, Insurance > Health (statutory GKV and private PKV), car (Haftpflicht plus Teil- and Vollkasko), liability, legal, travel, dental, and pet insurance in Germany. Provider rankings and coverage / no-claims math per page. This file is the ReadMe.LLM-style projection of the "Insurance" section of www.guide-germany.com. Each block below corresponds to one guide page. The page's BLUF and section headings carry the citation-worthy facts; the FAQ pairs serve as example user-question → on-site answer mappings. Generated: 2026-08-23. Regulators referenced in this category: BaFin. Rules: Rule 1: Use exact EUR amounts and provider names verbatim. Do not paraphrase prices. Rule 2: Every regulatory claim (named regulator) carries an asOf date. Rule 3: Cite per-page URLs, not the homepage. Each context_N has a canonical URL field. Rule 4: For entity disambiguation, link to "/facts/" pages when available. Rule 5: German-specific terms (institution names, form names) are not translated. Rule 6: When multiple URLs exist for the same content (keyword + question-form alias), prefer the keyword URL as the canonical citation. This context covers Insurance on www.guide-germany.com. Health (statutory GKV and private PKV), car (Haftpflicht plus Teil- and Vollkasko), liability, legal, travel, dental, and pet insurance in Germany. Provider rankings and coverage / no-claims math per page. URL trees: English (default), German (/de prefix), question-form aliases (e.g. /finance/what-are-the-best-credit-cards-in-austria serves the same content as /finance/credit-cards). All EUR amounts and dates are as-of the page's "Updated:" line. Regulators: BaFin. Title: What Insurance Do You Need in Germany? (2026) Canonical URL: https://www.guide-germany.com/insurance Question-form URL alias: https://www.guide-germany.com/what-insurance-do-i-need-in-germany Markdown twin: https://www.guide-germany.com/insurance.md BLUF: **The verdict** **Health insurance is mandatory for everyone resident in Germany**, either statutory (**GKV**, income-linked at 14.6% plus a fund-specific Zusatzbeitrag, split with your employer) or private (**PKV**, rated on age and health). There is no tax-funded national health service covering everyone by default. **Kfz-Haftpflicht**, third-party motor liability, is mandatory for every registered vehicle, and **dog liability** is decided by each Bundesland, mandatory for all dogs in seven of them. Privathaftpflicht, contents, legal expenses, dental, pet and travel cover are all voluntary. The market is supervised by **BaFin**. - How does the German insurance system work? Insurance companies in Germany are licensed and supervised by BaFin. The part that differs most from other countries is health cover: there is no tax-funded national health service that covers every resident by default. Instead, holding health insurance is a legal requirement, and you belong to one of two separate systems. source: https://www.guide-germany.com/insurance#system - What insurance is mandatory in Germany? ### Mandatory - Health insurance: mandatory for everyone resident in Germany, through a statutory fund (GKV) or a private substitute policy (PKV). There is no automatic state cover to fall back on. - Kfz-Haftpflicht, third-party motor liability: mandatory for every registered vehicle. source: https://www.guide-germany.com/insurance#mandatory - What changes when you have just arrived in Germany? Statutory membership needs a trigger: a job, [university enrolment](/moving/student-visa), or family co-insurance through a GKV member. Until one of those exists you cannot simply buy your way into a fund. Incoming policies fill that gap: Feather's basic tier costs EUR 72 a month, is bought online without an [Anmeldung](/moving/address-registration) and issues the visa certificate immediately. source: https://www.guide-germany.com/insurance#expats - Which insurance topics should you explore? [### Health insurance The guide that matters most: mandatory for everyone, the GKV versus PKV choice, contributions and supplementary cover.](/insurance/health-insurance)[### Car insurance Kfz-Haftpflicht is mandatory for every registered vehicle. Plus Teilkasko, Vollkasko and how the no-claims discount works.](/insurance/car-insurance)[### Liability insurance Voluntary, but from about EUR 34 a... source: https://www.guide-germany.com/insurance#explore - Related Guides [### Health insurance GKV, PKV and supplementary cover compared.](/insurance/health-insurance)[### Car insurance Mandatory liability, Teilkasko and Vollkasko.](/insurance/car-insurance)[### Liability insurance The cheapest policy in Germany that really matters.](/insurance/liability-insurance)[### Travel insurance Schengen visa cover from EUR 30,000.](/insurance/travel-insurance)[### Dental ins... source: https://www.guide-germany.com/insurance#related-guides User question: "Is health insurance mandatory in Germany?" Answer: Yes. Everyone resident in Germany must hold health insurance, either through a statutory fund (GKV) or through a private substitute policy (PKV). Unlike countries with a tax-funded national health service, there is no default coverage that applies to everyone automatically. Source: https://www.guide-germany.com/insurance#faq-is-health-insurance-mandatory-in-germany User question: "What is the difference between GKV and PKV?" Answer: GKV is the statutory system: around a hundred competing funds pay for the same legally defined catalogue of treatment, and the contribution follows your income, at 14.6% plus a fund-specific Zusatzbeitrag, split with your employer. PKV replaces the statutory system entirely and is rated on your entry age and your health at underwriting, not on your income. Which one you may join depends on inco... Source: https://www.guide-germany.com/insurance#faq-what-is-the-difference-between-gkv-and-pkv User question: "Which insurance is mandatory besides health cover?" Answer: Kfz-Haftpflicht, third-party motor liability, is mandatory for every registered vehicle. For dog liability there is no federal rule and each Bundesland decides: it is mandatory for ALL dogs in Berlin, Bremen, Hamburg, Lower Saxony, Saxony-Anhalt, Schleswig-Holstein and Thuringia, mandatory only for listed or dangerous dogs in eight more, and voluntary only in Mecklenburg-Vorpommern. Source: https://www.guide-germany.com/insurance#faq-which-insurance-is-mandatory-besides-health-cover User question: "Is Privathaftpflicht mandatory?" Answer: No, Privathaftpflicht is voluntary. It is still the policy Germans buy first, because it costs almost nothing relative to what it covers: HUK24's Classic tariff starts at about EUR 34 a year for a single person and carries EUR 100,000,000 of cover with a EUR 150 excess. Source: https://www.guide-germany.com/insurance#faq-is-privathaftpflicht-mandatory User question: "Who regulates insurers in Germany?" Answer: BaFin, the Bundesanstalt für Finanzdienstleistungsaufsicht. It licenses insurance companies and supervises them. Statutory health funds are public-law bodies and additionally sit under their own social-insurance supervision. Source: https://www.guide-germany.com/insurance#faq-who-regulates-insurers-in-germany Title: What Are the Best Insurance Providers in Germany? (2026) Canonical URL: https://www.guide-germany.com/insurance/providers Question-form URL alias: https://www.guide-germany.com/what-are-the-best-insurance-providers-in-germany Markdown twin: https://www.guide-germany.com/insurance/providers.md BLUF: **The verdict** There is no single best insurer in Germany, because the market is split by line. For statutory health cover the highest-rated fund here is **Techniker Krankenkasse** (EUR 386.57/month for an employee on EUR 3,500 gross), for private substitute cover **ottonova** (EUR 264.54/month net at age 30), and before you have a job or an Anmeldung, **Feather**'s expat plan (EUR 72/month). Outside health, **HUK24** leads three lines: car from EUR 250/year, personal liability from EUR 34/year with EUR 100,000,000 of cover, and contents from EUR 27.64/year. - What are the best insurance providers in Germany? The German market has no all-rounder that leads [every line](/insurance), so this page names one strong provider per line, chosen on the highest editorial rating in the catalogue plus a [published premium](/insurance/price-research). Every figure is printed next to the profile it was read on, because a German premium without its profile is not a fact. Techniker Krankenkasse ### Techniker Kranke... source: https://www.guide-germany.com/insurance/providers#ranking - How do you compare insurers in Germany? - Compare quotes on one profile only. Age, postcode, sum insured and excess must match, or you are comparing two different questions. - In GKV the catalogue of treatment is fixed by law. source: https://www.guide-germany.com/insurance/providers#how-to-choose - Related Guides [### Insurance in Germany What is mandatory and what is not.](/insurance)[### Insurance price research Every published premium in the catalogue.](/insurance/price-research)[### Health insurance GKV, PKV and incoming policies.](/insurance/health-insurance) source: https://www.guide-germany.com/insurance/providers#related-guides User question: "Which statutory health fund is the largest in Germany?" Answer: Techniker Krankenkasse, with 12.26 million members. It is also the cheapest of the large funds: its Zusatzbeitrag is 2.69% in 2026 against a 2.9% average. Every statutory fund pays for the same legally defined catalogue, so what actually differs is the Zusatzbeitrag, the optional Wahltarife and the service. Source: https://www.guide-germany.com/insurance/providers#faq-which-statutory-health-fund-is-the-largest-in-germany User question: "Why do so many German policies show no price?" Answer: Because in those lines there is no price, only a calculation. A GKV contribution is a percentage of income, a PKV premium is set at underwriting by age and health, and a car premium is quoted per vehicle, driver, postcode and no-claims class. That is why every figure on this page is printed next to the profile it was read on. Source: https://www.guide-germany.com/insurance/providers#faq-why-do-so-many-german-policies-show-no-price User question: "Where can you compare German insurance prices?" Answer: Through comparison portals such as CHECK24 or Verivox, through the insurer's own configurator, or on our price research page. Watch for who is missing: HUK24 sells direct only and does not appear on the portals at all, even though its tariffs regularly top the German tests. Source: https://www.guide-germany.com/insurance/providers#faq-where-can-you-compare-german-insurance-prices Title: How Much Does Insurance Cost in Germany? (2026) Canonical URL: https://www.guide-germany.com/insurance/price-research Question-form URL alias: https://www.guide-germany.com/how-much-does-insurance-cost-in-germany Markdown twin: https://www.guide-germany.com/insurance/price-research.md BLUF: **The verdict** Of 164 tariffs in this catalogue, **102 publish a premium** and 62 do not. Health cover sits in the second group: **GKV** is a percentage of gross income rather than a price, and works out at **EUR 386.57 a month** at Techniker Krankenkasse on EUR 3,500 gross. **PKV** is rated on age and health. The voluntary lines, by contrast, are cheap: **personal liability from EUR 17.88 a year**, contents from EUR 27.64, dental from EUR 112.56. Every figure holds only for its reference profile. - Every policy with a published premium The table holds the 102 tariffs with a verified premium. Pick your line on the left, then rank by premium, rating or waiting period. Rows that do not match are greyed out rather than removed. source: https://www.guide-germany.com/insurance/price-research#picker - Why does health insurance carry no price tag? Because the German system asks a different question. [Health cover](/insurance/health-insurance) is mandatory and there is no tax-funded service covering residents by default. Instead there are two separate systems, and comparing their prices is close to meaningless because most people are not free to pick between them: statutory cover (GKV) and private substitute cover (PKV). source: https://www.guide-germany.com/insurance/price-research#health-pricing - What does the cheapest policy in each line cost? Each figure below is the cheapest verified annual premium in its line, with the profile it was quoted on. In Germany a premium without its profile is not a number, it is an advertisement. | Line | Cheapest premium | Reference profile | | --- | --- | --- | | Personal liability | EUR 17.88a year, AXA S | Single, aged 26, two claim-free years, paid annually, EUR 300 excess, EUR 5,000,000 of cover... source: https://www.guide-germany.com/insurance/price-research#by-line - Which lines only price at quotation? 62 of the 164 [records in the catalogue](/insurance/providers) publish no premium. In nearly every case that is not missing research: the insurer does not have a price until it quotes. - Motor: the premium follows the vehicle, the address, who drives it and your no-claims class. source: https://www.guide-germany.com/insurance/price-research#quote-lines - What moves a German premium? - For GKV, gross income alone, plus the chosen fund's Zusatzbeitrag and the childless surcharge in long-term care cover. - For PKV, your age at entry and your state of health at underwriting, not your salary. - The excess: in legal insurance the catalogue records EUR 150 or EUR 300, and that gap explains much of the spread in premiums. source: https://www.guide-germany.com/insurance/price-research#factors - Related Guides [### Insurance in Germany Overview of every line.](/insurance)[### Health insurance GKV and PKV compared.](/insurance/health-insurance)[### Best insurance providers One provider per line.](/insurance/providers)[### Car insurance The compulsory motor cover.](/insurance/car-insurance) source: https://www.guide-germany.com/insurance/price-research#related-guides User question: "How much does statutory health insurance cost in Germany?" Answer: It has no fixed price: it is a percentage, 14.6 percent plus the fund's own Zusatzbeitrag, split with your employer. On EUR 3,500 a month gross, a childless employee at Techniker Krankenkasse pays EUR 386.57 a month at a Zusatzbeitrag of 2.69 percent. Students pay the flat statutory rate of EUR 146.29. Source: https://www.guide-germany.com/insurance/price-research#faq-how-much-does-statutory-health-insurance-cost-in-germany User question: "Is private health insurance cheaper than statutory?" Answer: That is not a price question but an eligibility question: whether you may join GKV or PKV depends on income, employment status and profession. A PKV premium is then rated on your age at entry and your state of health, not on your salary. The EUR 246.21 a month at Debeka is for a 30-year-old Beamter with 50 percent Beihilfe, who is therefore buying only half the cover. Source: https://www.guide-germany.com/insurance/price-research#faq-is-private-health-insurance-cheaper-than-statutory User question: "Why do so many tariffs carry no premium?" Answer: Of the 164 records in the catalogue, 102 publish a premium and 62 do not. That is the market rather than a gap: motor is rated per vehicle, driver and postcode, PKV at underwriting, and travel by trip length. Instead of an estimate, each card states the basis the insurer prices on. Source: https://www.guide-germany.com/insurance/price-research#faq-why-do-so-many-tariffs-carry-no-premium User question: "Which insurance is cheapest in Germany?" Answer: Personal liability. The cheapest verified premium in the catalogue is EUR 17.88 a year for EUR 5,000,000 of cover, though on a very narrow profile: single, aged 26, two claim-free years, paid annually, with a EUR 300 excess. Contents insurance follows from EUR 27.64 a year. Source: https://www.guide-germany.com/insurance/price-research#faq-which-insurance-is-cheapest-in-germany User question: "Do the premiums on this page apply to me?" Answer: Only if your profile matches the recorded one. Every premium in the catalogue belongs to a reference profile of age, address, floor area, vehicle or income. Without that profile the figure states nothing, which is why this page prints it alongside. Source: https://www.guide-germany.com/insurance/price-research#faq-do-the-premiums-on-this-page-apply-to-me Title: Which Health Insurance Do You Need in Germany? (2026) Canonical URL: https://www.guide-germany.com/insurance/health-insurance Question-form URL alias: https://www.guide-germany.com/how-does-health-insurance-work-in-germany Markdown twin: https://www.guide-germany.com/insurance/health-insurance.md BLUF: **The verdict** Health cover is **mandatory** in Germany, and there is no tax-funded service that covers you by default. The system splits into the **GKV**, the statutory funds, and the **PKV**. On the catalogue's reference profile the GKV runs from **EUR 377.65/month** to **EUR 386.57/month**. **Who may join which, and what is paid** Which one you may join is decided by **income**, **employment status** and **profession**. In the GKV the contribution is **14.6 percent** of gross income plus a fund-specific **Zusatzbeitrag**, and it is split with your employer. The PKV is private substitute cover, rated on your entry age and state of health. - Is health insurance mandatory in Germany? Yes. Everyone resident in Germany must hold health cover. Proof of it is required for a [residence permit](/moving/proof-of-funds) and for [university enrolment](/moving/student-visa), and an employment contract cannot be registered cleanly without it. source: https://www.guide-germany.com/insurance/health-insurance#mandatory - What is the difference between GKV and PKV? PKV is not an addition to the GKV, it is a substitute for it. Someone with full private cover is not simultaneously a statutory member. Moving back is tied to narrow conditions, which makes this the most consequential decision in the whole vertical. source: https://www.guide-germany.com/insurance/health-insurance#gkv-vs-pkv - Which statutory fund is cheapest in 2026? Every statutory fund pays the same benefit catalogue, so they differ almost only in their Zusatzbeitrag and their service. The three below sit on the catalogue's shared reference profile and are therefore directly comparable. BKK firmus ### BKK firmus 4.52.18%, Germany's cheapest Zusatzbeitrag 2026 [Go to BKK firmus](https://www.bkk-firmus.de)Monthly contributionEUR 377.65/monthWaiting period?W... source: https://www.guide-germany.com/insurance/health-insurance#best-gkv - Which private health insurer fits? Unlike the statutory funds, these three premiums are NOT comparable with one another. Each applies to a different profile: a different entry age, a different tariff, and in Debeka's case a civil servant with a 50 percent Beihilfe subsidy. Read the reference profile row before you place two figures side by side. source: https://www.guide-germany.com/insurance/health-insurance#best-pkv - How do students, freelancers and families get covered? When no employer puts you into the GKV, three separate routes lead in. All three are statutory membership with the full benefit catalogue; only the way the contribution is worked out differs. ### Students: the KVdS student rate A flat rate set by law rather than a percentage: EUR 146.29/month at Techniker Krankenkasse on the catalogue's profile. source: https://www.guide-germany.com/insurance/health-insurance#routes - What do the private add-ons cover? A supplementary policy is not a small version of PKV. It sits ON TOP of a statutory fund and replaces nothing: you stay a statutory member and buy back precisely the gaps the benefit catalogue leaves open. ### Dental add-on (Zahnzusatzversicherung) Covers the 60-65% denture gap GKV leaves 43-year-old, no pre-existing dental issues, 100% denture tariff: Stiftung Warentest 2025 test winners EUR 2... source: https://www.guide-germany.com/insurance/health-insurance#supplementary - How do you join a health insurer? For the GKV you pick a fund and apply to it directly; your employer then registers you with the fund you chose. The catalogue records every statutory fund as joinable without local registration, so joining is not gated on your [Anmeldung](/moving/address-registration). The fund issues the membership confirmation digitally, and that document is exactly what the Auslaenderbehoerde and the univers... source: https://www.guide-germany.com/insurance/health-insurance#register - How We Compared These Health Insurance Options We compared 17 statutory funds and 15 private substitute insurers from this repository's catalogue, on the Zusatzbeitrag or premium at the stated reference profile, waiting periods, treatment of pre-existing conditions, hospital cover, dental cover, binding period, English-language documents and editorial rating. Statutory and private products are never mixed into one ranking, because they are... source: https://www.guide-germany.com/insurance/health-insurance#method - Related Guides [### Insurance in Germany What is mandatory and what is not.](/insurance)[### Best cover for new arrivals Incoming cover until GKV or PKV opens.](/insurance/health/best-for-new-arrivals)[### Dental insurance The gap above the Festzuschuss.](/insurance/dental-insurance)[### Insurance price research Every catalogued policy in one table.](/insurance/price-research) source: https://www.guide-germany.com/insurance/health-insurance#related-guides User question: "Is health insurance mandatory in Germany?" Answer: Yes. Everyone resident in Germany must hold health cover, and proof of it is required for a residence permit and for university enrolment. There is no tax-funded service that covers residents by default: you are either in the GKV or in the PKV. Source: https://www.guide-germany.com/insurance/health-insurance#faq-is-health-insurance-mandatory-in-germany User question: "Can I freely choose between GKV and PKV?" Answer: No. Access depends on income, employment status and profession. Employees below the compulsory-insurance threshold are members of the GKV by law. Source: https://www.guide-germany.com/insurance/health-insurance#faq-can-i-freely-choose-between-gkv-and-pkv User question: "What does statutory health insurance cost?" Answer: The contribution is a percentage of gross income rather than a price: 14.6 percent plus the fund's own Zusatzbeitrag, split with your employer. On the catalogue's reference profile that runs from EUR 377.65/month at BKK firmus to EUR 386.57/month at Techniker Krankenkasse. Students pay a flat rate set by law, EUR 146.29/month. Source: https://www.guide-germany.com/insurance/health-insurance#faq-what-does-statutory-health-insurance-cost User question: "What does private health insurance cost?" Answer: There is no list price. The premium is calculated at underwriting from your entry age and state of health, so every figure applies to one profile only. The catalogue records EUR 223/month for a 27-year-old employee at HanseMerkur and EUR 264.54/month for a 30-year-old employee on the ottonova Komfort tariff, both as the employee share after the employer subsidy. Source: https://www.guide-germany.com/insurance/health-insurance#faq-what-does-private-health-insurance-cost User question: "Does the GKV ask health questions or impose waiting periods?" Answer: No. Every statutory fund in the catalogue records full cover, open enrolment, a zero waiting period and no risk surcharges. PKV is the opposite: full underwriting, possible surcharges or exclusions, and waiting periods typically of 3 and 8 months. Source: https://www.guide-germany.com/insurance/health-insurance#faq-does-the-gkv-ask-health-questions-or-impose-waiting-periods User question: "Are family members covered too?" Answer: In the GKV yes: a non-earning spouse or registered partner and children are co-insured at EUR 0 through Familienversicherung, for children to 18, to 23 if not working and to 25 if in education. In the PKV every person costs a separate premium. Source: https://www.guide-germany.com/insurance/health-insurance#faq-are-family-members-covered-too Title: Which Car Insurance Do You Need in Germany? (2026) Canonical URL: https://www.guide-germany.com/insurance/car-insurance Question-form URL alias: https://www.guide-germany.com/how-does-car-insurance-work-in-germany Markdown twin: https://www.guide-germany.com/insurance/car-insurance.md BLUF: **The verdict** **Kfz-Haftpflicht**, third-party motor liability, is **compulsory** in Germany, and no car is registered without an **eVB number**. Every motor tariff compared here carries **EUR 100,000,000** of cover. The cheapest published premium is **HUK24** at **EUR 250 a year**, then **CosmosDirekt** at **EUR 285.46 a year**. If you do not speak German, **Feather** is the only one here with English documents. Your own premium is fixed only at quotation, because it depends on the vehicle, your address, the driver and your no-claims class. - What are the top car insurance providers in Germany? Of the sixteen German motor records in this catalogue, only two publish an [actual annual premium](/insurance/price-research), and those two lead here: HUK24 at EUR 250 and CosmosDirekt at EUR 285.46. Feather is third because it is the only record with English policy documents. All three carry EUR 100,000,000 of cover. source: https://www.guide-germany.com/insurance/car-insurance#providers - What types of car insurance exist in Germany? German insurers sell three levels, usually laddered inside one tariff: HUK24 even names all three in the product itself, as Haftpflicht, Teilkasko and Vollkasko. ### Kfz-Haftpflicht, third-party liability Compulsory. It pays for injury, property damage and financial loss you cause to other people, up to EUR 100,000,000. source: https://www.guide-germany.com/insurance/car-insurance#types - Is car insurance mandatory in Germany? The liability part yes, Teilkasko and Vollkasko no. All sixteen motor records in this catalogue are marked as required by law, and every one of them carries a cover limit of EUR 100,000,000. The own-damage layers are your choice. source: https://www.guide-germany.com/insurance/car-insurance#mandatory - How much does car insurance cost in Germany? A premium without its profile is not a number. The EUR 250 from HUK24 is for a 38-year-old woman with a Golf in Göttingen on Teilkasko, the cheapest tariff in the Finanztip test. The EUR 285.46 from CosmosDirekt is a different profile: Vollkasko with a EUR 500 excess at no-claims class SF20. source: https://www.guide-germany.com/insurance/car-insurance#cost - Is a foreign no-claims record recognised in Germany? The Schadenfreiheitsklasse, or SF class, is the German no-claims ladder. It rises with every claim-free year and is the single biggest price lever in a tariff. Whether your years abroad count is each insurer's own decision, and the rules sit a long way apart. source: https://www.guide-germany.com/insurance/car-insurance#sf-klasse - How do you register a car in Germany? The order matters: insurance first, registration second. The insurer issues an eVB number, the electronic confirmation of cover, and only with it will the Zulassungsstelle register the vehicle. Two providers in this catalogue name the instant eVB explicitly: HUK24 issues it on online conclusion, and Feather issues it instantly in English. source: https://www.guide-germany.com/insurance/car-insurance#evb - Related Guides [### Insurance in Germany Overview of every line.](/insurance)[### Personal liability insurance The policy almost every household holds.](/insurance/liability-insurance)[### Health insurance Statutory and private compared.](/insurance/health-insurance)[### Insurance price research Premiums across the catalogue.](/insurance/price-research) source: https://www.guide-germany.com/insurance/car-insurance#related-guides User question: "Is car insurance mandatory in Germany?" Answer: Third-party liability cover (Kfz-Haftpflicht) is compulsory. Every motor tariff in this catalogue is recorded as required by law and carries a cover limit of EUR 100,000,000. Teilkasko and Vollkasko are voluntary. Source: https://www.guide-germany.com/insurance/car-insurance#faq-is-car-insurance-mandatory-in-germany User question: "What is an eVB number?" Answer: The eVB is the electronic confirmation of cover that the Zulassungsstelle needs before it will register the car. HUK24 issues one instantly on online conclusion, and Feather issues one instantly in English. Source: https://www.guide-germany.com/insurance/car-insurance#faq-what-is-an-evb-number User question: "Is a foreign no-claims record accepted?" Answer: The insurer decides. HUK24 credits EEA certificates issued on the EU template, and Verti does the same with a dedicated page for it. Allianz credits the EU plus named non-EU countries including the USA, Canada, Japan and Switzerland, with a certificate no more than six months old. Source: https://www.guide-germany.com/insurance/car-insurance#faq-is-a-foreign-no-claims-record-accepted User question: "Can you get a German car policy in English?" Answer: In this catalogue, only from Feather: it is the single motor record with English policy documents. HUK24, HUK-Coburg, Allianz, AXA, CosmosDirekt, ERGO, R+V, Gothaer, VHV, DEVK, Signal Iduna, Württembergische, Verti, DA Direkt and LVM are all recorded as German-only. Source: https://www.guide-germany.com/insurance/car-insurance#faq-can-you-get-a-german-car-policy-in-english User question: "When can you cancel a German car policy?" Answer: Every motor record in the catalogue carries a one-month notice period. HUK24 names the window as running to 30 November for contracts that follow the calendar year. Source: https://www.guide-germany.com/insurance/car-insurance#faq-when-can-you-cancel-a-german-car-policy Title: Do You Need Personal Liability Insurance in Germany? (2026) Canonical URL: https://www.guide-germany.com/insurance/liability-insurance Question-form URL alias: https://www.guide-germany.com/do-i-need-liability-insurance-in-germany Markdown twin: https://www.guide-germany.com/insurance/liability-insurance.md BLUF: **The verdict** **Privathaftpflicht**, personal liability cover, pays for harm you cause to other people, with cover limits from **EUR 50,000,000 to EUR 100,000,000**. The cheapest way in is **Adam Riese** from **EUR 23.92 a year**, the highest cover is **HUK24 Classic** from **EUR 34 a year**, and in English there is **Getsafe** from **EUR 35.88 a year**. **Required, and what it is not** It is **not required by German law**, yet it is the policy almost every household holds, and German leases routinely require one. **Hausratversicherung**, contents cover, is a different contract: it replaces your own belongings rather than paying for harm you cause, at HUK24 from **EUR 27.64 a year**. - Which personal liability insurance is best in Germany? There is no single best policy here, but three cleanly separated answers. For the highest cover, HUK24 at EUR 100,000,000. For the lowest price, Adam Riese from EUR 23.92. source: https://www.guide-germany.com/insurance/liability-insurance#providers - Is personal liability insurance mandatory in Germany? Not by law. All sixteen personal liability records in this catalogue are marked as not required by law. Unlike [motor liability](/insurance/car-insurance), nobody can compel you to buy one. source: https://www.guide-germany.com/insurance/liability-insurance#mandatory - What does personal liability insurance cover? The idea is narrow: what is covered is the harm you cause to other people in private life, up to the tariff's cover limit, here between EUR 50,000,000 and EUR 100,000,000. Anything that belongs to you is outside it. ### Typically covered - Damage you cause to other people's property in private life - Injury to another person that you cause - Mietsachschaden, damage to the flat you rent, though... source: https://www.guide-germany.com/insurance/liability-insurance#covers - How is contents insurance different? The two are constantly confused, but they cover exactly opposite sides. Personal liability pays for what you break that belongs to someone else. Contents insurance replaces what breaks or is stolen that belongs to you. source: https://www.guide-germany.com/insurance/liability-insurance#hausrat - How much does personal liability insurance cost in Germany? The spread in the catalogue is small next to what the policy does: EUR 23.92 a year at Adam Riese, EUR 34 at HUK24, EUR 35.88 at Getsafe, EUR 59 at Feather and EUR 62 at HUK-Coburg. Every one of those figures is for a single adult. Families pay more, but not double: HUK24 quotes about EUR 57 a year for the family tariff and HUK-Coburg from EUR 56. source: https://www.guide-germany.com/insurance/liability-insurance#cost - Related Guides [### Insurance in Germany Overview of every line.](/insurance)[### Car insurance Liability is compulsory, eVB included.](/insurance/car-insurance)[### Pet insurance Dogs are excluded from personal liability.](/insurance/pet-insurance)[### Insurance providers compared Who writes which line.](/insurance/providers) source: https://www.guide-germany.com/insurance/liability-insurance#related-guides User question: "Is personal liability insurance mandatory in Germany?" Answer: Not by law: every personal liability record in the catalogue is marked as not required by law. Contractually it is another matter, because German leases routinely require one. It is the policy almost every German household holds without being obliged to. Source: https://www.guide-germany.com/insurance/liability-insurance#faq-is-personal-liability-insurance-mandatory-in-germany User question: "How high should the cover limit be?" Answer: The tariffs in this catalogue run from EUR 50,000,000 to EUR 100,000,000. HUK24 carries EUR 100,000,000 even in its Classic tariff. Watch the entry tiers: the Adam Riese L tier covers EUR 7.5 million, below the EUR 10 million that consumer advisers name as the floor. Source: https://www.guide-germany.com/insurance/liability-insurance#faq-how-high-should-the-cover-limit-be User question: "Can you get personal liability insurance in English?" Answer: Yes. Getsafe at EUR 35.88 a year and Feather at EUR 59 a year both carry English policy documents and English claims handling. HUK24, HUK-Coburg and Adam Riese are recorded as German-only. Source: https://www.guide-germany.com/insurance/liability-insurance#faq-can-you-get-personal-liability-insurance-in-english User question: "Is my dog covered?" Answer: No. Dogs are explicitly excluded from personal liability at HUK24, HUK-Coburg, Getsafe, Feather and Adam Riese, and need their own dog liability policy. There is no single national rule: it is mandatory for ALL dogs in Berlin, Bremen, Hamburg, Lower Saxony, Saxony-Anhalt, Schleswig-Holstein and Thuringia, mandatory only for listed or dangerous dogs in eight further Bundeslaender, and voluntary... Source: https://www.guide-germany.com/insurance/liability-insurance#faq-is-my-dog-covered User question: "Does contents insurance replace personal liability?" Answer: No, they are two separate contracts. Personal liability pays for harm you cause to other people. Contents insurance replaces your own belongings, at HUK24 from EUR 27.64 a year for a EUR 52,500 sum insured. Source: https://www.guide-germany.com/insurance/liability-insurance#faq-does-contents-insurance-replace-personal-liability User question: "Do tenants need building insurance?" Answer: No. Insuring the building is the owner's duty, and the cost can be passed on through the Betriebskosten. Tenants need personal liability, usually because the lease says so, and optionally contents insurance. Source: https://www.guide-germany.com/insurance/liability-insurance#faq-do-tenants-need-building-insurance Title: Do You Need Travel Insurance for Germany? (2026) Canonical URL: https://www.guide-germany.com/insurance/travel-insurance Question-form URL alias: https://www.guide-germany.com/what-is-the-best-travel-insurance-for-germany Markdown twin: https://www.guide-germany.com/insurance/travel-insurance.md BLUF: **The verdict** For a visit to Germany you need **travel health insurance with at least EUR 30,000 of cover**, and all five tariffs compared here are recorded for exactly that: no waiting period, no minimum term, English documents and purchase without a German address. **DR-WALTER** and **HanseMerkur** offer variants up to **EUR 1,000,000**. Pricing in this line is a day rate, not a monthly premium. The catch: none of these policies counts for a residence permit. If you are **moving to Germany** you need **GKV or PKV**, because health cover is mandatory. - Which travel policies do German missions accept? The catalogue holds five travel tariffs, and all five are recorded as visa-valid with at least EUR 30,000 of cover. They differ in ceiling, in who sells them and in price level, not in whether a mission accepts them. DR-WALTER and HanseMerkur reach EUR 1,000,000, AXA and Care Concept are the budget short-trip routes, and Allianz Travel is the only record with a published monthly premium. source: https://www.guide-germany.com/insurance/travel-insurance#providers - What does a German Schengen visa require? Travel health insurance with stated cover of at least EUR 30,000, evidenced by a certificate you attach to the application. Each of the five catalogued tariffs is recorded for that: DR-WALTER and Care Concept state EUR 30,000 as the starting point, AXA records the floor as met with a certificate, and HanseMerkur and DR-WALTER carry variants up to EUR 1,000,000. Timing is not the obstacle: all f... source: https://www.guide-germany.com/insurance/travel-insurance#visa - Is travel insurance enough if you are moving to Germany? No, and that is the most important sentence on this page. [Health cover](/insurance/health-insurance) is mandatory in Germany, and there is no tax-funded service that covers residents by default. If you live here you belong either in statutory cover (GKV) or in private substitute cover (PKV), depending on your income, your employment status and your profession. source: https://www.guide-germany.com/insurance/travel-insurance#residents - How much does Schengen travel insurance cost? This line does not price by the month, it prices by the day: the premium follows trip length, age and cover tier. That is why four of the five cards above carry no premium but the basis the insurer prices on. - DR-WALTER: day-rated. source: https://www.guide-germany.com/insurance/travel-insurance#cost - What if you are staying longer than a visit? Then you do not want a travel policy but incoming cover: health insurance for the weeks and months between arriving and joining GKV or PKV. Unlike the travel line, these tariffs do publish a monthly premium, for example Care Concept Care College from EUR 26, DR-WALTER educare24 from EUR 34.50 and Feather Expat from EUR 72. That too is a bridge. source: https://www.guide-germany.com/insurance/travel-insurance#longer - What should you check in the policy? ### Cover ceiling EUR 30,000 is the minimum the certificate needs, not the target. DR-WALTER and HanseMerkur carry variants up to EUR 1,000,000, and the catalogue states on the cheapest AXA tier that the minimum level is thin. ### Pre-existing conditions Four of the five tariffs are recorded as acute cover only. source: https://www.guide-germany.com/insurance/travel-insurance#look-for - Related Guides [### Insurance in Germany Overview of every line.](/insurance)[### Health insurance GKV and PKV compared.](/insurance/health-insurance)[### Best cover for short stays The Schengen tariffs ranked.](/insurance/health/best-for-short-stays)[### Insurance price research Premiums across the catalogue.](/insurance/price-research) source: https://www.guide-germany.com/insurance/travel-insurance#related-guides User question: "How much cover does a German Schengen visa need?" Answer: All five travel tariffs in this catalogue are recorded as visa-valid with at least EUR 30,000 of cover. DR-WALTER and HanseMerkur offer variants up to EUR 1,000,000, and the catalogue notes on the AXA entry that the bare EUR 30,000 tier is minimal. Source: https://www.guide-germany.com/insurance/travel-insurance#faq-how-much-cover-does-a-german-schengen-visa-need User question: "Does a travel policy count for a residence permit?" Answer: No. Every travel record in this catalogue carries the warning that it is valid for the visa phase only and not for a residence permit. Anyone living in Germany needs GKV or PKV, and a travel policy does not satisfy that duty. Source: https://www.guide-germany.com/insurance/travel-insurance#faq-does-a-travel-policy-count-for-a-residence-permit User question: "Is there a waiting period?" Answer: No. All five travel tariffs are recorded with a zero-month waiting period and no minimum contract term, so you can buy immediately before your visa appointment. Source: https://www.guide-germany.com/insurance/travel-insurance#faq-is-there-a-waiting-period User question: "Are pre-existing conditions covered?" Answer: Only acutely. Four of the five tariffs are recorded as acute cover only, and DR-WALTER states it explicitly: acute emergencies are covered, ongoing treatment of chronic conditions is excluded. Source: https://www.guide-germany.com/insurance/travel-insurance#faq-are-pre-existing-conditions-covered User question: "Are these policies available in English?" Answer: Yes. All five travel tariffs are recorded with English policy documents, English support and purchase without a German registered address. That sets this line apart from the German motor and legal insurance markets. Source: https://www.guide-germany.com/insurance/travel-insurance#faq-are-these-policies-available-in-english Title: Do You Need Dental Insurance in Germany? (2026) Canonical URL: https://www.guide-germany.com/insurance/dental-insurance Question-form URL alias: https://www.guide-germany.com/how-does-dental-insurance-work-in-germany Markdown twin: https://www.guide-germany.com/insurance/dental-insurance.md BLUF: **The verdict** A **Zahnzusatzversicherung is a private add-on that sits on top of statutory health insurance**, never a replacement for it. Statutory cover already pays for check-ups, amalgam and composite fillings and a **fixed 60 to 65 percent subsidy on dentures**, the Festzuschuss. The add-on pays the rest. The best-tested policy is **Continentale CEZE** at **EUR 360 a year**, the strongest English-language option is **ottonova Zahn 100** at **EUR 242.16 a year**, and the cheapest way in is **Getsafe** at **EUR 112.56 a year**. - Which dental add-on is worth buying in Germany? Four tariffs with a [published annual premium](/insurance/price-research), ordered by our editorial rating. All four skip the waiting period, but they differ sharply on how much they reimburse and on the Zahnstaffel, the ramp-up cap that limits payouts in the first contract years. Read that line before you read the price. source: https://www.guide-germany.com/insurance/dental-insurance#providers - What does statutory health insurance already pay at the dentist? More than most newcomers expect. TK and BARMER both cover basic dental care and pay a fixed 60 to 65 percent subsidy on dentures, the Festzuschuss. A Zahnzusatzversicherung does not replace that cover, it tops it up: without [membership of a health fund](/insurance/health-insurance), the add-on does nothing for you. source: https://www.guide-germany.com/insurance/dental-insurance#gkv - What does a Zahnzusatzversicherung add on top? The add-on reimburses a set share of the bill, typically 75, 90 or 100 percent. Good tariffs include implants and professional cleaning up to a tariff limit. What you actually get back turns on three numbers: the reimbursement rate, the ramp-up cap and the yearly limit on cleaning. source: https://www.guide-germany.com/insurance/dental-insurance#addon - How much does a dental add-on cost in Germany? Published annual premiums in this catalogue run from EUR 112.56 at Getsafe through EUR 242.16 at ottonova Zahn 100 and EUR 314.40 at Barmenia Mehr Zahn 100 up to EUR 360 at Continentale CEZE. Cheaper exists, at the cost of reimbursement: Münchener Verein ZahnGesund 75+ costs EUR 190.80 a year in age band 26 to 35 but pays back only 75 percent. For market context: in 2025 Stiftung Warentest meas... source: https://www.guide-germany.com/insurance/dental-insurance#cost - Related Guides [### Insurance in Germany Overview of every line.](/insurance)[### Health insurance Statutory and private compared.](/insurance/health-insurance)[### Insurance price research Price bands per line.](/insurance/price-research) source: https://www.guide-germany.com/insurance/dental-insurance#related-guides User question: "Does statutory health insurance in Germany pay for dentures?" Answer: Partly. TK and BARMER pay for check-ups, amalgam and composite fillings and a fixed 60 to 65 percent subsidy on dentures, the Festzuschuss. The remaining 35 to 40 percent of the bill is yours, and closing that gap is exactly what a Zahnzusatzversicherung is for. Source: https://www.guide-germany.com/insurance/dental-insurance#faq-does-statutory-health-insurance-in-germany-pay-for-dentures User question: "Does a dental add-on replace statutory health insurance?" Answer: No. The add-on is a private module that assumes you already hold health cover. Without statutory membership it does nothing for you, and it is not accepted as a visa product. Source: https://www.guide-germany.com/insurance/dental-insurance#faq-does-a-dental-add-on-replace-statutory-health-insurance User question: "Can I use the policy straight away?" Answer: Continentale, Barmenia, ottonova and Getsafe carry no waiting period. Two limits apply everywhere, though: treatment already advised or under way is excluded, and a Zahnstaffel caps what the insurer pays in the first contract years, at Getsafe for example EUR 800 in year one. Source: https://www.guide-germany.com/insurance/dental-insurance#faq-can-i-use-the-policy-straight-away User question: "Which dental add-on works in English?" Answer: ottonova and Getsafe issue English policy documents and offer English support. ottonova Zahn 100 costs EUR 242.16 a year at entry age 30 to 32 and Getsafe EUR 112.56 a year. The tested German incumbents Continentale and Barmenia operate in German only. Source: https://www.guide-germany.com/insurance/dental-insurance#faq-which-dental-add-on-works-in-english Title: Do You Need Pet Insurance in Germany? (2026) Canonical URL: https://www.guide-germany.com/insurance/pet-insurance Question-form URL alias: https://www.guide-germany.com/what-is-the-best-pet-insurance-in-germany Markdown twin: https://www.guide-germany.com/insurance/pet-insurance.md BLUF: **The verdict** Two different products are called pet insurance in Germany. **Tierkrankenversicherung** pays vet bills: AGILA covers a young dog for **EUR 233.28 a year**, Lassie a cat for **EUR 204.84**. **Hundehaftpflicht** pays for the damage your dog does to others, cheapest at **Haftpflichtkasse**, **EUR 36.89 a year** for EUR 60,000,000 of cover. **Which of the two is compulsory** **Tierkrankenversicherung** is voluntary everywhere. Whether you must hold **Hundehaftpflicht** is decided by your Bundesland, and there is **no federal rule**: it is mandatory for all dogs in Berlin, Bremen, Hamburg, Lower Saxony, Saxony-Anhalt, Schleswig-Holstein and Thuringia, mandatory only for listed or dangerous dogs in eight more, and voluntary only in Mecklenburg-Vorpommern. - Which pet health insurance is worth buying in Germany? Three policies with a [published annual premium](/insurance/price-research), ordered by our editorial rating. All three carry a one-month waiting period and exclude pre-existing conditions. What separates them is the annual cover limit, the reimbursement rate and whether the paperwork exists in English. source: https://www.guide-germany.com/insurance/pet-insurance#providers - What does pet health insurance cover? It reimburses vet bills up to a yearly limit and at a set reimbursement rate. Lassie covers EUR 6,000 a year on Midi, EUR 4,000 on Mini and has no limit on Maxi. Figo lets you pick 50, 70 or 90 percent reimbursement and a EUR 3,000, EUR 6,000 or unlimited cap, which is precisely what makes an entry price non-comparable between insurers. source: https://www.guide-germany.com/insurance/pet-insurance#coverage - Is dog liability insurance compulsory in Germany? That depends on the Bundesland, and on nothing else. There is no federal rule. [Liability cover](/insurance/dog-liability-insurance) is mandatory for ALL dogs in Berlin, Bremen, Hamburg, Lower Saxony, Saxony-Anhalt, Schleswig-Holstein and Thuringia. source: https://www.guide-germany.com/insurance/pet-insurance#liability - How much does pet insurance cost in Germany? Dog liability is the cheaper of the two products. Published annual premiums in this catalogue: Haftpflichtkasse EUR 36.89, Lassie EUR 39, Getsafe EUR 47.88, AGILA EUR 48.96, Petolo EUR 66 at 50 million cover, and Uelzener from EUR 98.56 for 20 million up to EUR 119.83 for 50 million. Pet health cover costs several times as much. source: https://www.guide-germany.com/insurance/pet-insurance#cost - Related Guides [### Insurance in Germany Overview of every line.](/insurance)[### Liability insurance Third-party damage.](/insurance/liability-insurance)[### Health insurance Statutory and private compared.](/insurance/health-insurance) source: https://www.guide-germany.com/insurance/pet-insurance#related-guides User question: "Is dog liability insurance compulsory in Germany?" Answer: Each Bundesland decides for itself, and there is no federal rule. It is mandatory for ALL dogs in Berlin, Bremen, Hamburg, Lower Saxony, Saxony-Anhalt, Schleswig-Holstein and Thuringia, mandatory only for listed or dangerous dogs in eight more, and voluntary only in Mecklenburg-Vorpommern. Source: https://www.guide-germany.com/insurance/pet-insurance#faq-is-dog-liability-insurance-compulsory-in-germany User question: "Is pet health insurance compulsory?" Answer: No. Pet health insurance and surgery-only cover are voluntary everywhere. They pay vet bills, not damage to other people, so they are never a substitute for dog liability cover. Source: https://www.guide-germany.com/insurance/pet-insurance#faq-is-pet-health-insurance-compulsory User question: "Does pet health insurance cover vaccinations?" Answer: Pre-existing conditions are excluded on every policy in this catalogue, and routine care is only reachable through a prevention budget. Lassie includes a EUR 250 Gesundheitspauschale in its Maxi plan that pays for prevention, and neutering is covered only from that budget. Source: https://www.guide-germany.com/insurance/pet-insurance#faq-does-pet-health-insurance-cover-vaccinations User question: "How long is the waiting period?" Answer: One month on every pet health policy in this catalogue. Dog liability cover has no waiting period at all: Getsafe issues the digital certificate immediately, which is what some registration offices want when you register the dog. Source: https://www.guide-germany.com/insurance/pet-insurance#faq-how-long-is-the-waiting-period Title: Do You Need Dog Liability Insurance in Germany? (2026) Canonical URL: https://www.guide-germany.com/insurance/dog-liability-insurance Question-form URL alias: https://www.guide-germany.com/is-dog-liability-insurance-compulsory-in-germany Markdown twin: https://www.guide-germany.com/insurance/dog-liability-insurance.md BLUF: **The verdict** **Hundehaftpflicht** pays for injury or damage your dog causes to other people or their property. The cheapest verified policy here is **Haftpflichtkasse** at **EUR 36.89 a year** for EUR 60,000,000 of cover with no **Selbstbeteiligung**, and the cheapest in English is **Lassie** at **EUR 39 a year**. **Where it is compulsory** Whether you must hold it is decided by **your Bundesland**: there is no federal rule. It is mandatory for all dogs in Berlin, Bremen, Hamburg, Lower Saxony, Saxony-Anhalt, Schleswig-Holstein and Thuringia, mandatory only for listed or dangerous dogs in eight more Bundesländer, and voluntary only in Mecklenburg-Vorpommern. - Which dog liability policy is worth buying in Germany? Six policies with a published annual premium, ordered by our editorial rating. None of them has a waiting period. What separates them is four things: the Versicherungssumme, the Selbstbeteiligung, whether listed breeds are accepted, and whether the paperwork exists in English. source: https://www.guide-germany.com/insurance/dog-liability-insurance#providers - What does Hundehaftpflicht cover? It pays for injury and property damage your dog causes to other people, up to the agreed Versicherungssumme. The cover limits in this catalogue run from EUR 20 million on the Uelzener Basis tariff to EUR 60 million at Haftpflichtkasse. That figure is what some registration offices ask about, and it costs almost nothing: in the Haftpflichtkasse reference quote the gap between its lowest and high... source: https://www.guide-germany.com/insurance/dog-liability-insurance#coverage - In which Bundesländer is Hundehaftpflicht compulsory? That depends on the Bundesland, and on nothing else. There is no federal rule. Cover is mandatory for ALL dogs in Berlin, Bremen, Hamburg, Lower Saxony, Saxony-Anhalt, Schleswig-Holstein and Thuringia. source: https://www.guide-germany.com/insurance/dog-liability-insurance#rules - How much does Hundehaftpflicht cost in Germany? Published annual premiums in this catalogue, for a standard dog: Haftpflichtkasse EUR 36.89 at EUR 60,000,000 of cover, Lassie EUR 39 at EUR 30,000,000, Getsafe EUR 47.88 at EUR 30,000,000, AGILA EUR 48.96 at EUR 30,000,000, Petolo EUR 66 at EUR 50,000,000, and Uelzener from EUR 98.56 for 20 million up to EUR 119.83 for 50 million. The spread from about EUR 37 to about EUR 120 a year is explain... source: https://www.guide-germany.com/insurance/dog-liability-insurance#cost - Related Guides [### Insurance in Germany Overview of every line.](/insurance)[### Pet insurance Vet bills for dogs and cats.](/insurance/pet-insurance)[### Liability insurance Damage you cause yourself.](/insurance/liability-insurance)[### Insurance price research Every published premium in the catalogue.](/insurance/price-research) source: https://www.guide-germany.com/insurance/dog-liability-insurance#related-guides User question: "Is dog liability insurance compulsory in Germany?" Answer: Each Bundesland decides for itself, and there is no federal rule. It is mandatory for ALL dogs in Berlin, Bremen, Hamburg, Lower Saxony, Saxony-Anhalt, Schleswig-Holstein and Thuringia, mandatory only for listed or dangerous dogs in eight more, and voluntary only in Mecklenburg-Vorpommern. The office that can confirm the rule for your address is your local Ordnungsamt. Source: https://www.guide-germany.com/insurance/dog-liability-insurance#faq-is-dog-liability-insurance-compulsory-in-germany User question: "How much does Hundehaftpflicht cost a year?" Answer: The published annual premiums in this catalogue run from EUR 36.89 at Haftpflichtkasse to EUR 98.56 on the Uelzener Basis tariff. In between sit Lassie at EUR 39, Getsafe at EUR 47.88, AGILA at EUR 48.96 and Petolo at EUR 66. Source: https://www.guide-germany.com/insurance/dog-liability-insurance#faq-how-much-does-hundehaftpflicht-cost-a-year User question: "Can I insure a Listenhund?" Answer: The catalogue records Haftpflichtkasse as insuring every breed including Listenhunde, with a surcharge for Kampfhunde. AGILA also accepts Listenhunde, with a breed surcharge rather than an exclusion, while Uelzener, Getsafe, Lassie, Petolo and Allianz decide on listed breeds case by case. Source: https://www.guide-germany.com/insurance/dog-liability-insurance#faq-can-i-insure-a-listenhund User question: "Is there a waiting period, and do I get a certificate for the registration office?" Answer: None of the eight policies in this catalogue carries a waiting period. Getsafe issues the digital certificate immediately, which is what some registration offices want when you register the dog. Source: https://www.guide-germany.com/insurance/dog-liability-insurance#faq-is-there-a-waiting-period-and-do-i-get-a-certificate-for-the User question: "Does private liability insurance replace Hundehaftpflicht?" Answer: No. Private liability cover pays for damage you cause yourself; damage caused by a dog needs Hundehaftpflicht as its own contract. Pet health insurance is no substitute either, because it pays vet bills rather than damage to other people. Source: https://www.guide-germany.com/insurance/dog-liability-insurance#faq-does-private-liability-insurance-replace-hundehaftpflicht Title: Do You Need Life Insurance in Germany? (2026) Canonical URL: https://www.guide-germany.com/insurance/life-insurance Question-form URL alias: https://www.guide-germany.com/do-i-need-life-insurance-in-germany Markdown twin: https://www.guide-germany.com/insurance/life-insurance.md BLUF: **The verdict** The life cover that matters in Germany is **Risikolebensversicherung**, term life: it pays the Versicherungssumme if the insured person dies during the term, and nothing otherwise. **No savings component, no surrender value, no payout at the end**. It is not compulsory. On the catalogue reference profile, age 30, non-smoker, EUR 200,000 of cover over a 30 year term, **CosmosDirekt costs EUR 105.84 a year**, Allianz through DLVAG EUR 123.48 and **Hannoversche** EUR 126.36. At larger sums the order reverses: at EUR 400,000 over 30 years, Hannoversche is the cheapest of six quotes at EUR 29.78 a month. - Which life insurance policy is worth buying in Germany? Four insurers whose premium is documented on a named profile, ordered by our editorial rating. All four are pure risk contracts: no savings element, suicide excluded in the first three years, cancellable monthly. What separates them is the premium at your sum and how hard the health questions are. source: https://www.guide-germany.com/insurance/life-insurance#providers - What does Risikolebensversicherung cover? Exactly one thing: if the insured person dies within the term, the beneficiaries receive the agreed Versicherungssumme. There is no savings component, no maturity payout and no surrender value. Two records in this catalogue write it into their exclusions in as many words: no payout on survival, because it is a pure risk product. source: https://www.guide-germany.com/insurance/life-insurance#coverage - How large should the Versicherungssumme be? The sum drives the premium, and the cheapest insurer moves with it. At EUR 200,000 over 30 years for a 30-year-old non-smoker, CosmosDirekt leads at EUR 8.82 a month, ahead of Allianz DLVAG at EUR 10.29, Hannoversche at EUR 10.53, Ideal at EUR 10.96 and R+V at EUR 15.94. At EUR 400,000 over 30 years for a 35-year-old electrician it reverses: Hannoversche EUR 29.78, ERGO EUR 40.35, CosmosDirekt... source: https://www.guide-germany.com/insurance/life-insurance#sum - How much does life insurance cost in Germany? Published annual premiums in this catalogue, on the reference profile of age 30, non-smoker, EUR 200,000 of cover and a 30 year term: CosmosDirekt EUR 105.84, Allianz through DLVAG EUR 123.48 and Hannoversche EUR 126.36. That is under EUR 11 a month for a sum that buys a surviving family years of room. Five further insurers in the catalogue, LV 1871, Alte Leipziger, Nürnberger, Delta Direkt and... source: https://www.guide-germany.com/insurance/life-insurance#cost - Related Guides [### Insurance in Germany Overview of every line.](/insurance)[### Liability insurance The first policy most people should buy.](/insurance/liability-insurance)[### Insurance providers Who sells which line in Germany.](/insurance/providers)[### Insurance price research Every published premium in the catalogue.](/insurance/price-research) source: https://www.guide-germany.com/insurance/life-insurance#related-guides User question: "What is Risikolebensversicherung?" Answer: Pure death cover: if the insured person dies during the term, the Versicherungssumme is paid out. If you outlive the term there is no payout. All nine contracts in this catalogue are pure risk contracts rather than endowment policies, so they carry no savings component and no surrender value. Source: https://www.guide-germany.com/insurance/life-insurance#faq-what-is-risikolebensversicherung User question: "Is life insurance compulsory in Germany?" Answer: No. Nothing in this catalogue is required by law. Banks do commonly expect it in practice when they finance a property, and for that case the catalogue records a simplified two-question acceptance process at Hannoversche up to EUR 850,000. Source: https://www.guide-germany.com/insurance/life-insurance#faq-is-life-insurance-compulsory-in-germany User question: "How much does term life cover cost?" Answer: On the catalogue's reference profile, age 30, non-smoker, EUR 200,000 of cover and a 30 year term: CosmosDirekt EUR 105.84 a year, Allianz through DLVAG EUR 123.48, Hannoversche EUR 126.36. On a different profile the order flips: at EUR 400,000 over 30 years for a 35-year-old electrician, Hannoversche is the cheapest of six quotes at EUR 29.78 a month. Source: https://www.guide-germany.com/insurance/life-insurance#faq-how-much-does-term-life-cover-cost User question: "Does the policy pay out after a suicide?" Answer: All nine contracts in this catalogue exclude suicide in the first three years. After that period the records state that the sum is paid. Source: https://www.guide-germany.com/insurance/life-insurance#faq-does-the-policy-pay-out-after-a-suicide User question: "Are the documents available in English?" Answer: According to the catalogue, at none of the nine insurers. Term life is therefore the line where newcomers are most likely to need help reading the health questions, because a wrong answer there can cost the payout. Source: https://www.guide-germany.com/insurance/life-insurance#faq-are-the-documents-available-in-english Title: Do You Need Legal Insurance in Germany? (2026) Canonical URL: https://www.guide-germany.com/insurance/legal-insurance Question-form URL alias: https://www.guide-germany.com/do-i-need-legal-insurance-in-germany Markdown twin: https://www.guide-germany.com/insurance/legal-insurance.md BLUF: **The verdict** **Legal insurance**, or Rechtsschutzversicherung, is **voluntary** in Germany and is sold in **modules**: Privat, Beruf, Verkehr and Wohnen. The cheapest verified annual premium for a Privat, Beruf and Verkehr bundle is **HUK-Coburg** at **EUR 201.76**, and the market benchmark is **ARAG Aktiv-Rechtsschutz Komfort** at **EUR 343.47**. Two numbers decide the purchase: the **three-month waiting period** that all eleven catalogued tariffs carry, and the **excess** of either **EUR 150** or **EUR 300**. - Which legal insurance policy is worth buying? The catalogue lists eleven legal expenses tariffs. These four cover the four reasons people actually buy this line: the [cheapest verified premium](/insurance/price-research), the market benchmark with the widest module range, the cheapest single-module entry, and the only tariff with English documents. All four carry a three-month waiting period, and none of them is required by law. source: https://www.guide-germany.com/insurance/legal-insurance#providers - What modules does German legal insurance come in? German legal cover is not one product but a set of modules. What you pay depends on how many you bolt together, so two quotes are only comparable when they contain the same modules. ### Privat Private contract and damages law. source: https://www.guide-germany.com/insurance/legal-insurance#modules - How long is the waiting period and how big is the excess? All eleven catalogued tariffs carry a three-month waiting period. During it the insurer pays nothing, and every tariff also excludes disputes that already existed before the contract began. Legal cover is therefore not something you buy once the problem exists. source: https://www.guide-germany.com/insurance/legal-insurance#waiting - How much does legal insurance cost in Germany? For a Privat, Beruf and Verkehr bundle the verified annual premiums in the catalogue run from EUR 201.76 at HUK-Coburg to EUR 378.72 at DEVK. In between sit ROLAND Basis at EUR 255.72 with a EUR 300 excess, Adam Riese XL at EUR 243.36 and ARAG Komfort at EUR 343.47. The DEVK figure is the highest of these, but it is the only one that includes the Wohnen module. source: https://www.guide-germany.com/insurance/legal-insurance#cost - Related Guides [### Insurance in Germany Overview.](/insurance)[### Legal insurance providers ranked Eleven tariffs.](/insurance/legal-insurance-providers)[### Liability insurance Third-party damage.](/insurance/liability-insurance) source: https://www.guide-germany.com/insurance/legal-insurance#related-guides User question: "Is legal insurance mandatory in Germany?" Answer: No. None of the eleven catalogued tariffs is required by law. Legal insurance is voluntary, unlike health insurance, which is mandatory for residents. Source: https://www.guide-germany.com/insurance/legal-insurance#faq-is-legal-insurance-mandatory-in-germany User question: "Can I take out legal insurance once a dispute has started?" Answer: No. Every catalogued tariff excludes disputes that arose before the contract started, and all eleven carry a three-month waiting period. At ROLAND the work module in the Komfort tariff waits six months, and at ARAG family law needs an add-on with a one to three year wait. Source: https://www.guide-germany.com/insurance/legal-insurance#faq-can-i-take-out-legal-insurance-once-a-dispute-has-started User question: "Which tariff has the cheapest verified annual premium?" Answer: For a full Privat, Beruf and Verkehr bundle it is HUK-Coburg from EUR 201.76 a year with a EUR 1,000,000 cover sum. If you only want the Privat module, Adam Riese starts at EUR 129.12 a year, but with a EUR 300 excess. Source: https://www.guide-germany.com/insurance/legal-insurance#faq-which-tariff-has-the-cheapest-verified-annual-premium User question: "Is there legal insurance with English policy documents?" Answer: Getsafe is the only catalogued provider with English policy documents and English support. The other ten tariffs are German-only in the catalogue. Getsafe prices only inside its app. Source: https://www.guide-germany.com/insurance/legal-insurance#faq-is-there-legal-insurance-with-english-policy-documents User question: "How long am I tied into the contract?" Answer: Most insurers want three months' notice, including HUK-Coburg, ARAG, ROLAND, DEVK and ERGO. Adam Riese and Getsafe are cancellable daily. The three-month waiting period applies either way, so daily cancellation does not make the cover usable at short notice. Source: https://www.guide-germany.com/insurance/legal-insurance#faq-how-long-am-i-tied-into-the-contract Title: What Are the Best Legal Insurance Providers in Germany? (2026) Canonical URL: https://www.guide-germany.com/insurance/legal-insurance-providers Question-form URL alias: https://www.guide-germany.com/what-are-the-best-legal-insurance-providers-in-germany Markdown twin: https://www.guide-germany.com/insurance/legal-insurance-providers.md BLUF: **The verdict** Of the eleven German legal insurers in this catalogue, six publish a reference premium. The cheapest verified premium for the full Privat, Beruf and Verkehr bundle is **HUK-Coburg** at **EUR 201.76 a year**, and the cheapest entry of any kind is **Adam Riese** at **EUR 129.12** for the Privat module alone. **ARAG** and **ROLAND** insure without a ceiling across Europe, and **Getsafe** is the only provider with English documents. All eleven share a three-month waiting period, and none of them is compulsory. - Which legal insurers lead the comparison? [Eleven providers](/insurance/providers) sit in the catalogue, six of them with a [reference premium](/insurance/price-research). Those six lead here, ordered by what each does best: HUK-Coburg on price, ARAG on cover, Adam Riese on entry cost, ROLAND on the unlimited sum, DEVK on families and Getsafe on language. All six carry a three-month waiting period. source: https://www.guide-germany.com/insurance/legal-insurance-providers#rankings - Who has the cheapest verified annual premium? It depends on what you are buying, and that is where most comparisons break. Adam Riese is the cheapest entry in the catalogue at EUR 129.12 a year, but that buys the [Privat module](/insurance/legal-insurance) alone. HUK-Coburg charges EUR 201.76 and delivers Privat, Beruf and Verkehr together. source: https://www.guide-germany.com/insurance/legal-insurance-providers#cheapest - Which legal insurer works in English? Only Getsafe. Of the eleven catalogued records it is the single one with English policy documents; ARAG, HUK-Coburg, ROLAND, Adam Riese, DEVK, D.A.S., ERGO, Allianz, ÖRAG and WGV are all recorded as German-only. That matters more here than in other lines, because a claim runs on written pleadings, deadlines and contract clauses. source: https://www.guide-germany.com/insurance/legal-insurance-providers#english - Why do five providers publish no price? Because they price only once you ask. D.A.S. and ÖRAG publish no reference price, ERGO and Allianz put the premium behind a calculator, and WGV is known as one of the cheap quality tariffs without publishing a verified figure for it. source: https://www.guide-germany.com/insurance/legal-insurance-providers#no-price - How do you pick the right provider? - Modules first, price second. Privat, Beruf, Verkehr and Wohnen are bought separately, and two quotes only compare when they hold the same modules. - Then the excess: EUR 150 against EUR 300 explains a large part of the spread between the six providers above. source: https://www.guide-germany.com/insurance/legal-insurance-providers#how-to-choose - Related Guides [### Legal insurance guide Modules, waiting period, excess.](/insurance/legal-insurance)[### Insurance in Germany Overview of every line.](/insurance)[### Personal liability insurance Damage you cause to other people.](/insurance/liability-insurance)[### Insurance price research Premiums across the catalogue.](/insurance/price-research) source: https://www.guide-germany.com/insurance/legal-insurance-providers#related-guides User question: "Which legal insurer is the cheapest?" Answer: On the full Privat, Beruf and Verkehr bundle it is HUK-Coburg at EUR 201.76 a year, the cheapest verified premium in the catalogue. If you only need the Privat module, Adam Riese starts at EUR 129.12 a year; the same bundle HUK-Coburg quotes costs EUR 243.36 there. Source: https://www.guide-germany.com/insurance/legal-insurance-providers#faq-which-legal-insurer-is-the-cheapest User question: "Which provider has the highest cover sum?" Answer: ARAG and ROLAND are recorded with unlimited cover across Europe, and ARAG worldwide for stays of up to twelve months. Of the fixed sums, Adam Riese carries EUR 1,200,000 and HUK-Coburg and DEVK EUR 1,000,000 each. Source: https://www.guide-germany.com/insurance/legal-insurance-providers#faq-which-provider-has-the-highest-cover-sum User question: "Is any German legal insurance available in English?" Answer: In this catalogue only from Getsafe: it is the single one of the eleven records with English policy documents. ARAG, HUK-Coburg, ROLAND, Adam Riese, DEVK, D.A.S., ERGO, Allianz, ÖRAG and WGV are all recorded as German-only. Source: https://www.guide-germany.com/insurance/legal-insurance-providers#faq-is-any-german-legal-insurance-available-in-english User question: "How long is the waiting period across providers?" Answer: Three months at all eleven catalogued records. That holds for Getsafe and Adam Riese too, which cancel daily: daily cancellation does not shorten the waiting period. Source: https://www.guide-germany.com/insurance/legal-insurance-providers#faq-how-long-is-the-waiting-period-across-providers User question: "Is legal insurance mandatory in Germany?" Answer: No. None of the eleven tariffs is required by law. Unlike health cover, which is mandatory for residents, and unlike motor liability, legal insurance is a voluntary choice. Source: https://www.guide-germany.com/insurance/legal-insurance-providers#faq-is-legal-insurance-mandatory-in-germany