Independent · Free · GDPR-compliant
Insurance in Germany —
simply explained.
We explain all major German insurance types in 4 languages — so you know exactly what you need as an expat or migrant.
10
Insurance types explained
4
Languages: DE, EN, UK, RU
47+
Providers covered
100%
Free & independent
Start guideKfz only
Which insurance do you need?
Pick a category — we explain what you should look for.
How it works
3 steps to the right insurance.
No account, no sales calls — just information.
01
Understand the type
We explain what each insurance covers, what's mandatory and what's voluntary — in plain language, without jargon.
02
Explore providers
We show you which providers exist, what's typically included, and what to watch out for in the fine print.
03
Compare prices yourself
For current prices, we recommend our advertising partners Check24 and Tarifcheck — one click to the comparison.
Insurance types
Every category that matters in Germany.
From mandatory car insurance to voluntary disability cover — we explain what's actually needed.
Car insuranceKfz-VersicherungMandatory for every car in Germany — covers damage you cause to others.Personal liabilityPrivathaftpflichtHighly recommended voluntary insurance — protects you if you accidentally cause damage to others or their property.Home contentsHausratversicherungYour furniture, electronics & valuables — fire, burglary, water damage.Health insuranceKrankenversicherungPublic (GKV) or private (PKV) — we explain the differences.Legal protectionRechtsschutzversicherungLawyer & court costs — from rent disputes to traffic accidents.Life insuranceLebensversicherungFinancial security for your family in the worst case.Disability insuranceBerufsunfähigkeitIncome protection if illness stops you from working.Dental supplementZahnzusatzversicherungTop-up to public insurance — implants, inlays, prosthetics.Travel insuranceReiseversicherungCancellation, abroad medical, luggage — for your next trip.Pet insuranceTierversicherungPet surgery & medical for dogs and cats.
Common questions
What people often ask.
Yes — no cost for you. EeV24.de is an information portal — we explain insurance but do not sell or broker contracts. If you click our partner links to Check24 or Tarifcheck and sign up there, we receive a referral fee (affiliate). This is clearly marked with * (Advertisement).
EeV24.de is an independent information portal without an insurance broker licence (§34d GewO). Current prices depend on many individual factors — vehicle, no-claims class, region. For a personalised price comparison, use Check24 or Tarifcheck (Advertisement).
Two are legally mandatory: Kfz-Haftpflicht (car liability — if you own a car) and Krankenversicherung (health insurance — either GKV or PKV). Everything else is voluntary — but some, like Haftpflicht for daily life, are strongly recommended.
Check24 and Verivox are licensed comparison portals — they show live prices and broker contracts. EeV24.de explains insurance in 4 languages (DE, EN, UK, RU) — with no sales interest, no pressure. Ideal for migrants and expats who are new to the German insurance system.
Most contracts can be cancelled with 1 month's notice at year end (by end of November). You then sign up directly with the new provider online. Use our advertising partners Check24 or Tarifcheck for a price comparison.
Not sure which insurance you need?
Our guide explains what matters in Germany in 2 minutes — in German, English, Ukrainian or Russian.