Archives: <span>FAQs</span>

How to get German liability insurance?

Liability insurance is very beneficial in Germany. It frees you from paying large sums due to accidental loss or damage.

You need to follow certain processes to get German public liability insurance and stay ready with the following documents:

    – Register/ Sign up online
    – Valid identity card or passport
    – Proof of address
    – Citizen Service Number – BSN
    – If you are not a permanent resident of Germany, your residence permit can also be requested

Tip: You can change your insurance every year for cheaper or better options, but pay attention to the cancellation period.

What liability insurance is available?

There are more than 11 third party liability insurance companies in Germany. The most important ones are:

  • Axa – Get flexible and secure private liability insurance to cover all the unintentional damages caused to any third party.

    What they offer:
    – Basic protection up to € 5 million
    – Well insured up to € 30 million
    – Top protection up to € 60 million
    – Facility of daily termination
    – Convenience of managing contracts online

    Keep yourself secure with AXA inexpensive private liability.

  • Cosmosdirekt – This is the most popular liability insurance company in Germany for expatriates. The company ranks higher among expats because of the availability of contracts in languages ​​such as English, Germany, etc.

    What they offer:
    – Pay claims for damages
    – Reject unjustified claims for you
    – Pay up to 3 years worldwide
  • Tarifcheck – Pay for damage caused to any third party with Tarifcheck liability insurance that can be done in minutes from your home.

    What they offer:
    – Insurance at as little as € 3.60 every month
    – Flexibility of getting insured from the comfort of your home
    – Insurance cover that is suitable for everyone
  • Hansemerkur – Get coverage for property damage and personal injury with Hansemerkur liability insurance. The company provides defense against all unjustified claims.

    What they offer:
    – High coverage amounts
    – Personal advice
    – Fast processing for claim notification
    – Affordable liability insurance
  • Hansemerkur – The company provides liability insurance against all the unintentional or damages caused negligently.

    What they offer:
    – Insurance up to € 20 million
    – Round the cloud protection
    – Basic protection
    – Maximum insurance in professional tariff

    Of course, there are many other liability insurance providers on the market, but Cosmodirekt offers innovative insurance services, especially for young people. You can get your insurance policy directly online in minutes and without any documents.

What car insurers are available

There are more than 11 car insurance companies in Germany. The most important ones and cheap car insurance are:

  • Axa – You will get a simple, cheap, and flexible car insurance here. The company also provides you mobility guarantee. When you get full or partial comprehensive coverage, you will also get a free letter of protection with a mobility guarantee. This is the most recommended cheap car insurance in Germany as it also provides you the convenience of managing your car insurance online. The company also has won many awards for its best services.

    What they offer:
    – Mobility guarantee
    – Free protection letter
    – Online services for car insurance
    – Expand your protection as per your requirement
  • Cosmosdirekt – This company provides the best policy for anyone who is the owner of their car and loves it. You will get 40% cheaper insurance here and also get discount protection up to three damages.

    What they offer:
    – Motor Liability Insurance that covers the damage you cause to other person’s property on the road
    – Partial coverage to cover damages caused to your vehicle
    – Full comprehensive services
    – Additional services as per your necessity
  • Allianz – Powerful and affordable car insurance from Allianz is also one of the best policy for your car. This service regulates 99% of the claims within 5 days. The contracts contain no hidden costs.

    What they offer:
    – Saves your price with the best performance
    – Higher customer satisfaction
    – Insurance at a cheaper price
    – No compromise on performance
  • Hansemerkur – Get secure and flexible car insurance and enjoy the stressfree journey with HanseMerkur car insurance policies.

    What they offer:
    – Price compensation till a period of 36 months
    – Consequential damage cover
    – Partial coverage services
    – Fully comprehensive services
    – Optional benefits
  • Tarifcheck – With Tarifcheck, you can compare more than 300 tariffs and find the cheapest one in a few minutes.
    What they offer:
    – Insurance for motor vehicle liability
    – Comprehensive vehicle insurance
    – Discount protection

How to find the best car insurance for you

When you are searching for the best car insurance, compare the insurance policies from different providers. Pay attention to how many Kms you drive and which car model you have. Also, consider your driving experience and how much time you have spent driving without any single accident.

After considering all the factors and comparing premiums of different providers, select the one that best fits your requirements. Search, talk to your friends, and then decide what type of policy you want. Whether you want only the minimum required insurance policy to fulfill the legal rules of Germany or you want an added security for uncertain events.

Which car insurance company to choose in Germany

AXA is the best car insurance company in Germany that offers you comprehensive coverage with the most flexibility. With AXA reliable service, you will get the right car insurance at low premiums.

Advantages of AXA car insurance

  • Mobility guarantee during any accident or breakage
  • Free protection letter
  • Online facility for better management of car insurance
  • Flexible product range for tailoring it as per your requirements
  • Motor vehicle liability insurance
  • Partial Comprehensive insurance
  • Full Comprehensive insurance

AXA also gives you the facility to expand your protection as per your requirements.

How to get a German car insurance

When you are in Germany and looking for car insurance, then you need to be present with the following documents:

  • Identity proof
  • Receipt or bill of car purchase
  • Banks detail if you are paying direct debit

How to find the best-prepaid credit card?

During your research, you will find several prepaid credit cards like Mastercard, VISA card, Maestro card, etc. To select the best of all:

  • compare the different cards
  • pay attention to withdrawal costs
  • consult your friends and colleagues

A little research will guide you in getting the best-prepaid card for yourself.

Which prepaid credit card to choose in Germany

Mastercard via N26 bank is the best card in Germany that is accepted worldwide. Your online payments are fully secured, with the extra 3D Secure security layer. If you ever lose the prepaid card, you can effortlessly lock it from the Spaces app and reorder it.

With secure fingerprint identification, you can easily log into your N26 account. The instant push notifications after every transaction keep you up-to-date with your account activity.

How to get a prepaid Credit card

You can get a prepaid card in two easy steps. Register with your favored credit card provider and complete the process by submitting the required documents.

  • Register – Either visit the branch office or register at the online portal to get the prepaid card.
  • Documents – Usually passport or a valid ID card is required. To eliminate the delay, it would be better to verify the required documents from your chosen credit card provider.

What prepaid credit cards are available?

There are more than 24 prepaid credit cards in Germany. Among all the available choices, Mastercard and Visa cards are the most recommended ones.

  • N26 prepaid cards: The smart and digital Mastercard helps you stay on top by flexibly and effortlessly managing your finances. You can open your N26 account within minutes by confirming your email address. Download the app, verify your identity, and this brings you your N26 prepaid card.
  • Mastercard prepaid cards: Get full control of your finances with Mastercard prepaid cards. It is an ideal solution for traveling on a budget. Charge it up, and you are ready to access the modern and secure means of payment. Mastercard does issue credit cards on their own. You need to contact the credit institutions that are listed on their website or can also contact your bank.
  • DKB Visa card: You will get a free credit card for a contactless function that offers you secure payments worldwide. With DKB Visa card, you can also withdraw cash from any of the ATM’s all through the world without getting charged.
  • American Express credit cards: There is a wide range of credit cards offered by American Express. All these cards come with numerous rewards and benefits. To enjoy these benefits, you can apply online. Once the application is approved, enjoy the journey that is full of rewards.
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