Safe tips:advice that every smart traveller should know.

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  • Protect Your Trip and Your Car: A simple guide to Car Insurance Germany, Travel Insurance Germany, and practical protection tips before travelling.

  • Car Protection

    Learn what to check before driving abroad, including car insurance in Germany, breakdown assistance, and protection for accidents abroad.

  • Travel Protection:

    Understand the main types of Travel Insurance Germany travellers may consider, including travel health, cancellation, interruption, and emergency assistance.

  • Before You Travel

    Use simple protection tips to check your insurance coverage, destination, policy limits, emergency contacts, and important travel documents.

  • Road Trips

    Find out what to check when travelling by car, from Schutzbrief and roadside assistance to Auslandsschadenschutz and vehicle protection.

  • Travel Safety

    Prepare for unexpected medical costs, accidents, breakdowns, cancellations, and other problems that can turn an ordinary trip into an expensive one.

  • Compare Your Protection

    Use our guides and checklists to understand what protection you already have, what you may need, and what to check before you travel.

Before Driving Abroad

 

Check

Why it matters

Kfz-Haftpflicht

Basic mandatory liability protection

Teilkasko / Vollkasko

Protection for your own vehicle

Schutzbrief

Breakdown and assistance protection

Auslandsschadenschutz

Additional protection after certain accidents abroad

GAP

Relevant for some financed or leased cars

Workshop conditions

Know where repairs can be carried out

Deductible

Know what you may have to pay yourself
Car Insurance & Protection

  • Protect Your Car Before You Travel

    Kfz-Haftpflichtversicherung is mandatory for registered vehicles in Germany. It covers damage you cause to other people, vehicles or property. It does not provide the same protection for damage to your own vehicle as comprehensive insurance.

  • Driving Abroad: Check Your Protection

    If you take your car abroad, check whether your policy includes Auslandsschadenschutz and roadside assistance, and understand what happens if you have an accident or breakdown outside Germany.

Travel Insurance & Traveller Protection

  • Protect Yourself Before You Travel

    Travel insurance can protect you from unexpected medical and financial costs abroad, with travel health insurance, medical repatriation, and cancellation or trip interruption cover being key options to consider in 2026.

  • Travel Health Insurance

    Your regular German health insurance may not cover all treatment costs abroad, even within Europe, while private travel health insurance can help cover eligible medical treatment, rescue costs, and medically required repatriation to Germany.

  • Travel Cancellation & Trip Interruption

    If you book an expensive trip, travel cancellation insurance can protect against eligible cancellation costs before departure, while trip interruption insurance can cover certain costs when you have to end your trip early

  • Before You Travel:

    Check the countries covered, policy limits, deductibles, exclusions, repatriation conditions, and whether your existing insurance already provides some protection.

Travel Safety & Protection Tips

  • Check Your Travel Insurance Coverage:

    Before travelling, check your Travel Insurance Germany policy, including the countries covered, trip duration, coverage limits, deductibles, exclusions, and emergency contact details.26.

  • Driving Abroad

    If you are travelling by car, keep your Car Insurance Germany documents accessible and check that your coverage applies in every country on your route, including roadside assistance and accident protection.

  • Check Before Departure:

    Make sure your travel health insurance, medical repatriation, and other relevant protection are arranged before you leave Germany. Do not wait until you are already abroad to discover a coverage gap.

Travel Insurance & Traveller Protection

Protection

What it helps with

Travel Health Insurance

Medical treatment abroad

Medical Repatriation

Returning home when medically necessary

Travel Cancellation

Certain cancellation costs

Trip Interruption

Certain costs when a trip must be cut short

Travel Liability

Certain personal liability situations abroad

Travel Assistance

Help and support during an emergency
Is car insurance mandatory in Germany?

Yes. Third-party liability insurance (Kfz-Haftpflicht) is mandatory for registered vehicles in Germany.

What does travel health insurance cover?

Travel health insurance can cover eligible medical treatment and medically necessary repatriation, depending on the policy.

Does German health insurance cover me abroad?

German health insurance may provide limited protection abroad, but it may not cover all medical costs or repatriation

Does German health insurance cover me abroad?

German health insurance may provide limited protection abroad, but it may not cover all medical costs or repatriation.

What should I check before a road trip?

Check your car insurance, roadside assistance, countries covered, deductible, important documents, and emergency contacts.

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Is telematics car insurance worth it?

Telematics may be relevant if you are comfortable sharing driving data in exchange for a possible driving-related benefit.