We have prepared a separate article on vehicle insurance in Germany, so we will summarize only the most essential points here. You require motor vehicle liability insurance. It is compulsory insurance — without liability insurance, you cannot use your vehicle in public spaces. The minimum sums insured are prescribed by law — however, most vehicle insurers offer significantly higher insured sums: Personal injury: €7.5 million per injured person Property damage: €1.22 million Financial losses: €50,000 You can take out full or partial comprehensive insurance for your vehicle voluntarily. Partially comprehensive insurance covers damage caused by storms, fire, explosions, theft of car parts, marten bites and wildlife accidents, burn damage to the car’s wiring, and loss of the vehicle due to theft, robbery, or embezzlement. Comprehensive insurance offers additional cover for an insured vehicle in the event of damage caused by self-inflicted accidents and vandalism. Motor vehicle insurers structure their fully and partially comprehensive policies differently. Additional benefits include breakdown insurance, liability insurance for rental cars in other European countries (“Mallorca policy”), and discount protection for the no-claims bonus after an insurance claim.