Car insurance

From liability insurance to comprehensive insurance to protection letter: our motor vehicle insurance offers perfect protection not only for car owners, but also for owners of two-wheelers such as e-scooters, mopeds and motorcycles.

Woman and car standing in front of a house

car insurance

  • 100 mIllIon. € coverage amount
  • Mallorca-police: rental car protection in european foreign countries
  • New value compensation up to 36 months

What to consider when comparing car insurance policies?

Fairest car insurer Focus Money

Fairest car insurer Focus Money

If you own a vehicle, you are obliged to take out a motor vehicle liability insurance to be concluded. You insure yourself, passengers, accident victims and damages in case of an eventuality. make sure that the amount of coverage is as high as possible: stiftung warentest recommends 100 mio. Euro. In addition, the so-called mallorca policy should be included in the liability insurance, so that you are also protected when driving a rental car abroad.

In addition, you should have comprehensive insurance so that your own vehicle is also financially protected in the event of damage or loss. your comprehensive insurance should cover accidents with animals of all kinds. It is also advisable to check whether the insurance covers gross negligence. Our tip: For new vehicles and older vehicles in good condition, we recommend extended protection with fully comprehensive insurance. For all other vehicles, the partially comprehensive insurance is an alternative as an inexpensive basic cover.

Good to know: if you are traveling with your own car in germany and within europe, then you should take out a car insurance cover. How to get fast help in case of breakdown, accident or theft, as well as in case of illness, injury and special emergencies.

For car owners

Woman makes up in the rearview mirror of her car that is covered by motor liability insurance

motor liability insurance

  • In case of damage available 24/7
  • 100 million. € coverage amount
  • Majorca policy: rental car protection in other european countries

Two people move in front of a car that is covered by comprehensive insurance

Comprehensive insurance

  • protection in case of collision with animals of all kinds
  • protection in case of gross negligence
  • New value compensation for new vehicles

Two people can drive through Europe without a care in the world, thanks to cover for a breakdown cover

motor insurance

For rapid assistance in the event of breakdown, accident or theft, as well as in the event of illness, injury and special emergencies – as a service or reimbursement of costs.

For two-wheeler owners

Man with motorcycle in front of garage

motorcycle insurance

  • 100 million. € coverage amount
  • protection in case of gross negligence
  • Protection in case of animal bite damage and collision with animals

moped insurance

  • 100 mio. € coverage amount
  • liability cover for environmental damage
  • Optional partial coverage

e-scooter insurance

  • 100 mio. € coverage amount
  • liability coverage for environmental damage
  • Optional partial comprehensive cover

Two people can easily settle claims thanks to traffic legal protection

traffic legal protection

When it comes to legal disputes, ALLRECHT’s motor legal protection will help you: you will be well protected in the event of disputes with the other party involved in an accident, the repair shop, or the regulatory authorities.

Questions about motor vehicle insurance

for car owners

If you own a car and are looking for motor vehicle liability insurance and comprehensive insurance, we recommend our car insurance. If you only need compulsory insurance for your car, we recommend SIGNAL IDUNA motor vehicle liability insurance.

For motorcycle owners

Our motorcycle insurance provides all-round protection for motorcycle owners: it is a combination of compulsory motor liability insurance and comprehensive insurance. if you only need compulsory insurance, then simply take out motor vehicle liability insurance for your motorcycle.

For anyone who wants to insure a moped, scooter, mokick, e-scooter, segway, s-pedelec or e-bike

If you want to insure one of the mentioned two-wheelers, then a liability cover is obligatory for you. Our moped or. e-scooter insurance combines liability insurance with partial casco insurance. Alternatively, you can also opt for liability cover only.

For vacationers

If you are traveling in europe with your car, motorcycle or motor home insured with us, SIGNAL IDUNA’s motor insurance in many emergencies from.

If damage is caused by your vehicle, then the motor vehicle liability insurance. Our coverage includes the following:

  1. It will be checked whether you have to pay for the alleged or actual damage.
  2. Justified claims by the other party are covered by the motor vehicle liability insurance up to a maximum amount of 100 million euros. Eurocover.
  3. Your motor vehicle liability insurance defends you against unjustified claims if you are not obligated to pay damages.

in addition, our liability cover includes the mallorca policy: if you rent a car in another european country and the minimum insurance sum of the rented car is too low, the mallorca policy compensates the difference between the liability coverage sum and the costs for the damage.

The car insurance is available as basis and premium. choose the tariff and insurance options that suit what you and your car really need.

If damage has been caused to your own vehicle, then the comprehensive insurance.

For example, our partial casco provides coverage for: theft, glass breakage as well as fire or explosion, direct effect of elemental forces, collision with animals of all kinds, smoldering damage to the wiring of the vehicle.

Our fully comprehensive insurance also pays out in the event of, for example: braking, operational and pure breakage damage, damage caused by batteries, charging stations or electricity if you have an electric or hybrid vehicle.

Good to know: fully comprehensive insurance provides coverage for damage to your vehicle caused by an accident for which you are responsible, as well as for damage caused by the malicious acts of third parties (vandalism).

If you would like to take out motor vehicle insurance, you will need the details of your vehicle in addition to your personal details. If you are switching insurers, you will also need to provide information about your previous insurance. It is helpful if you have the so-called registration certificate part I (vehicle registration certificate) handy.

This information is important for the conclusion and calculation of your car insurance premium:

  • Personal data on the policyholder
  • Details of the vehicle type and vehicle registration
  • Type of license plate
  • Estimated annual mileage
  • No-claims classes

in any case, if you own a car, you need to have a motor vehicle liability insurance have. In addition, it is highly recommended comprehensive insurance to conclude. Whether a comparatively inexpensive partially comprehensive insurance is sufficient or a fully comprehensive insurance is the better choice depends on the vehicle: for new vehicles, a fully comprehensive insurance is advisable.

New drivers who own a two-wheeler can choose between our motorcycle insurance, moped insurance and e-scooter insurance choose depending on your vehicle.

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Christina Cherry
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