Liability insurance is legally required. It suits anyone who only needs basic protection. This low-cost option is often sufficient for older vehicles with visible wear and tear. It covers damage you cause to other people or property. Basic protection covers claims for compensation made by third parties.

Your advantages with Allianz:

• Higher coverage amounts than required by law: €100 million for property and financial damage, €15 million for personal injury.
• Mallorca coverage is included in liability insurance.
• In the Direct Plus, Comfort, and Premium plans, Allianz also covers your own damages: up to €100,000 in Direct Plus and Comfort, and up to €200,000 in Premium.

Whether partial coverage is worthwhile depends on the car's value, your driving habits, and needs. It makes sense when your car is older and comprehensive coverage is no longer cost-effective. Partial insurance covers theft, fire, roof avalanches, animal bites, or storm damage (e.g., storm damage).

Your advantages with Allianz:

• Coverage for damage caused by all types of animals.
• New value compensation in case of theft or total loss—up to 36 months after registration in the Premium plan, including GAP coverage.
• Car sharing protection in Direct Plus, Comfort, and Premium: Allianz pays the difference if your contractual deductible with a car sharing provider is higher—up to €1,000.

Comprehensive coverage is especially suitable for new cars and for those seeking full protection. It includes all partial coverage benefits, plus protection against vandalism and self-inflicted damage to your car.

Your advantages with Allianz:

• Coverage even for grossly negligent damages.
• Tire damage-related vehicle accidents are covered in all plans, as long as no external cause is involved.
• Premium’s Extra Protection plan covers brake, operational, fracture, and distortion damage—including pure tire damage.

The Premium and Comfort plans offer extensive services and benefits for your electric vehicle. Allianz also promotes sustainability through additional features in its electric car insurance.

• Battery add-on protection: Up to 36 months new value replacement, including transport and removal. Comprehensive insurance covers nearly all battery damage.
• Battery consequential damage: Animal bites, short circuits, and lightning strikes (plus resulting damage) are covered under partial coverage without limits.
• Charging station and accessories: Damage from misuse or vandalism during charging is covered under comprehensive insurance—no separate wallbox policy needed.
• e-Mobility offers: Earn cash with your EV and claim an attractive GHG bonus. With the Allianz E-Charge App & Card, you can charge at over 500,000 charging points across the EnBW HyperNetwork.
• Sustainable benefits: Allianz pays a €2,500 switch bonus if your combustion or hybrid vehicle is totaled or stolen and you buy an EV. In the case of damage, we offer sustainable repair options or cash settlement.

The electronic insurance confirmation (eVB number) is provided by your car insurance provider. You need the seven-digit alphanumeric combination to register your car at the registration office.

If you take out a new car insurance policy with Allianz, you will receive the eVB number online immediately after completing the contract.

If you already have an Allianz Comfort or Premium car insurance and need a new eVB number (e.g. due to a move), you can request one online. Just enter the reason for the request and your license plate number into the form. The eVB will then be sent to you by email, SMS, or post.

If you have driven more (or less) than originally estimated, you should update the agreed annual mileage with your car insurance provider.

If you're insured under Allianz Comfort or Premium, you can report your new mileage online. We’ll adjust your contract and premium accordingly. If you drive less, your premium may decrease and you might receive a refund for the past year. Your coverage remains unchanged.

Customers with Allianz Direct or Direct Plus policies can make these changes at www.allianzdirect.de by logging into MeinAccount.

You cannot transfer a car insurance policy or your claim-free discount directly. However, it is possible to transfer your claim-free class (SF class).

This can be done within Allianz Comfort or Premium policies — for example, to family members, for a second car, or when changing insurers. This makes it easier to provide your children with cheaper insurance options.

Important: SF classes can only be transferred for liability and comprehensive coverage, not for partial coverage.

If you have lived or worked abroad in Europe and had a car insurance policy there, you may be able to transfer your SF class to a German insurance contract. The specific conditions can be found in our claim-free class guide.

Had an accident or damaged another vehicle? You can report the incident quickly and easily using Allianz’s online tool. If you’ve placed the Allianz sticker on your windshield, simply scan the QR code to access the claim form directly.

Customers with Comfort or Premium plans can also call the Allianz claims hotline at 0800 11223344 (or 00800 11223344 from abroad). Allianz handles your case personally and typically resolves it within five days.

If you purchased Allianz Direct or Direct Plus online, you can log in to MeinAccount at www.allianzdirect.de to report your claim online.

Your car insurance can be suspended for up to ten years. During this time, your last claim-free class (SF class) will be frozen.

After ten years, your claim-free discount will expire. You can find your last SF classification in your final premium invoice.

Your car insurance becomes valid once your insurer accepts your application, provides you with the eVB number, and issues the policy document.

No, November 30 is only the cancellation deadline if your policy starts on January 1 and ends on December 31. If your contract runs, for example, from February 1 to January 31 of the following year, the cancellation deadline shifts to December 31. Seasonal license plates may also affect the deadline.

In general: Your cancellation must reach the insurer no later than one month before the contract ends. There may also be special termination rights under certain circumstances.

There is no special car insurance for seniors. However, from around the age of 68, insurers typically apply a surcharge to the premium due to increased accident rates in older drivers, according to the German Insurance Association (GDV).

Important: A surcharge does not necessarily mean higher premiums. If you have many years of accident-free driving, you’ll benefit from a higher no-claims bonus (SF class), which reduces your premium and can offset age-related surcharges. A 75-year-old can actually pay less than a 25-year-old. It’s always worth checking individual discounts when comparing options.

Yes, if your vehicle is registered in Germany, your insurance usually covers you throughout most European countries for up to six months.

However: some countries are excluded. Always read your policy terms carefully before traveling—especially if you plan to drive outside the EU.

Warning: Car insurance laws abroad may differ from German standards. If another driver causes an accident and damages your vehicle, their insurance may not fully cover your costs. The Allianz add-on “International Damage Protection” (AuslandsSchadenSchutz) offers extended coverage in such cases.

Your car insurance is valid within the geographic boundaries of Europe and in non-European territories that are part of the European Union.

If Allianz has issued you an International Insurance Card (formerly "Green Card"), your coverage also extends to named non-European countries such as Morocco and Tunisia. With Comfort and Premium plans, this also includes the non-European parts of Turkey.

Yes, some car insurance providers offer special discounts for individuals with disabilities. These discounts may vary depending on the insurer and specific conditions.

To find the best car insurance for your needs, you should:

• Check with insurers about available offers
• Compare coverage and benefits
• Provide proof of your disability