In Germany, having car insurance (Kfz-Versicherung) is mandatory. Without it, you cannot register or drive your vehicle. Therefore, it’s crucial to choose the right insurance for your car or motorcycle.

Types of Car Insurance

There are three main types of car insurance in Germany: Haftpflicht, Teilkasko, and Vollkasko. Each type covers different aspects:

  1. Liability Insurance (Haftpflicht): This is the minimum legal requirement and covers damages you cause to other people, vehicles, or property.
  2. Partial Comprehensive Insurance (Teilkasko): This provides additional coverage for theft, fire, and natural disasters.
  3. Comprehensive Insurance (Vollkasko): This offers the most extensive coverage, including damages to your own vehicle, even if the accident is your fault, vandalism, and hit-and-run incidents.

Benefits of Choosing Culpeck

At Culpeck, we understand the unique needs of our international clients, particularly those who may face challenges with online comparison portals. These platforms often do not recognize driving experience from other countries, leading to higher premiums and more hassle.

Personalized Service

With Culpeck, you receive personalized service tailored to your specific needs. Our experienced brokers assist you in navigating the complexities of the German insurance market, ensuring that your international driving experience is recognized. This can significantly lower your insurance costs and provide peace of mind.

Hassle-Free Process

We handle all the paperwork and administrative tasks, saving you time and effort. Unlike online comparison portals where you must manage everything yourself, we provide a seamless and stress-free experience.

Comprehensive Coverage Options

We offer a range of insurance options, from basic liability to full comprehensive coverage, ensuring that you have the protection you need. Whether you have a new car, an older vehicle, or a motorcycle, we help you find the best policy that fits your budget and requirements.

Expert Advice

Our brokers are knowledgeable about the latest regulations and insurance trends in Germany. They provide expert advice on how to reduce your premiums, such as opting for higher deductibles, combining policies, or choosing seasonal plates (Saisonkennzeichen).

Potential Risks with Online Comparison Portals

Applying for insurance through online comparison portals can be risky. The prices displayed are often preliminary and subject to further review. Many individuals make errors during the application process, particularly when declaring previous no-claims bonuses from other countries. This can lead to much higher premiums than initially expected and may even jeopardize your insurance coverage.

Why Choose a Broker Over Online Comparison Portals?

Online comparison portals may seem convenient, but they often fail to account for the nuances of individual circumstances. They typically do not recognize international driving experience, which can result in higher premiums. Additionally, you have to manage the entire process yourself, which can be time-consuming and confusing.

At Culpeck, we prioritize your needs and offer a personalized approach to insurance. Our brokers are dedicated to finding the best possible solutions for you, ensuring that you receive the coverage you need at a competitive price.

How to Get Started

  1. Contact Us: Fill out our Online Quotation Form.
  2. Get Expert Advice: Our brokers will provide you with personalized advice and options tailored to your situation.
  3. Choose Your Coverage: Select the insurance policy that best fits your needs.
  4. Enjoy Peace of Mind: With the right insurance in place, you can drive with confidence, knowing you’re well-protected.


Navigating the complexities of car insurance in Germany can be challenging, especially for international clients. Culpeck offers a personalized, expert-driven approach to ensure you get the best coverage at the best price. Contact us today to learn more about how we can help you with your car insurance needs.

Are you interested in more information about car insurance in Germany? You can find more information here.