For your everyday life on four wheels
Suitable for your car.
Liability, partially comprehensive or fully comprehensive: Compare the protection you need and the premium for your vehicle. We will help you with the selection, with the eVB for approval and later if damage occurs.
Compare in the car insurance calculator. Availability of the live service is displayed there.
Protection at a glance
01Compare
The cheapest car insurance can only be determined using your details. Therefore, compare liability, partial comprehensive, and comprehensive insurance on the same basis: same drivers, same annual mileage, and same start date. Deductibles and important additional benefits should also match.
Vehicle, usage, driver and protection: The calculator guides you through the information. Results only appear after a real calculation. If the service has not yet been activated, you will see a notice instead of sample posts.
Prefer a personal comparison? Send your enquiry using the contact form.
Compile vehicle, usage, driver and previous insurance.
Compare annual premium, benefits, deductible and exclusions side by side.
Read the documents and apply for the desired protection. The insurer confirms acceptance and start of coverage.
We compare available tariffs from different insurers, not automatically the entire market. A comparison or inquiry alone does not constitute insurance coverage.
02Benefits
Motor vehicle liability is generally required for a car that requires registration. It pays the legitimate claims of others and defends against unjustified claims. It does not cover damage to your own car. Depending on the cause, partial or fully comprehensive insurance is an option.
| What happened? | Third-party liability | With partial comprehensive insurance | With fully comprehensive insurance |
|---|---|---|---|
| Damage you cause to others | Yes | Yes | Yes |
| Theft and fire in your own car | No | Yes | Yes |
| Storms, hail, lightning and floods | No | Yes | Yes |
| Glass breakage | No | Yes | Yes |
| Animal accidents, animal bites and consequential damage | No | Depends on tariff | Depends on tariff |
| Self-inflicted accident damage to your own car | No | No | Yes |
| Intentional damage by others (vandalism) | No | No | Yes |
The table does not replace tariff conditions. In the case of animal accidents, the species of animals insured must be checked, and in the case of animal bites, the consequential damage and their limits must be checked. Even if a service is included, the agreed deductible and possible exclusions apply.
If you hit someone else's car while pulling out of a parking space, this is a case for motor vehicle liability insurance. It accepts legitimate claims from others, including in the event of injuries, and defends against unjustified claims. Damage to your own car is excluded.
A stone chip in the windshield is a typical case for partial insurance. It also covers damage caused by fire, storm or hail and the theft of your car. Self-inflicted parking damage is not included.
You misjudge the distance when parking and damage your own car. For such self-inflicted accident damage, fully comprehensive insurance applies according to the tariff conditions. It also includes partial comprehensive protection and damage caused by vandalism. You bear the agreed deductible yourself.
You want protection against risks such as theft, glass breakage, or hail, but you are willing to cover any damage you cause to your own car yourself. The key is whether the potential loss fits your reserves.
For a new or valuable car and often when leasing or financing. Fully comprehensive insurance includes the partial comprehensive risks and additionally, among other things, your own accident damage and vandalism. The specifications of your financing contract are also important.
The age of the vehicle alone is not the deciding factor. Have both variants calculated for your car; your SF class can also influence the difference. Wear and tear and common technical defects are not covered by comprehensive insurance.
03Premium
Brand and engine power alone are not enough for a reliable price. Two people can pay different premiums for the same model. This information makes the difference:
Compare annual and installment payments, suitable deductibles, and, if applicable, workshop binding. Provide realistic details for drivers and mileage, and report any subsequent changes. Incorrect information is not a sensible way to save money and, depending on the contract, can lead to additional payments or other consequences.
A higher deductible may save premiums. However, in the event of a claim, you must have this amount available. Ours Guide to deductibles helps you to classify this decision.
For your comparison
Check off what is already ready. No vehicle or contract data is requested here.
0 von 5 Punkten bereit
The checkmarks only remain until you leave or reload this page.
04Registration
The electronic insurance confirmation is a seven-digit code made up of letters and numbers. The registration office will then request proof of your motor vehicle liability insurance, for example in the case of a new registration or re-registration. We support you with the right eVB.
Clarify in advance who will be the policyholder and holder, what you need the confirmation for and when the protection should begin. The insurer specifies the period of validity. Special insurance is required for short-term license plates.
05Claim-free years
Your no-claims discount reflects your claims history in both liability and fully comprehensive insurance, which may be rated differently. After a settled claim, a downgrade may occur, following your insurer’s table. The no-claims system does not apply to partial comprehensive insurance.
When switching, compare the confirmed no-claims years and the actual premiums. A special rating class, second-car rule, or no-claims bonus protection from the previous provider does not have to be carried over unchanged by the new insurer.
Writes for liability § 5c Paragraph 3 PflVG (opens in a new tab) stipulates that a loss history certificate issued there is treated like a German one. Discrimination based on nationality or solely on previous EEA residence is not permitted.
This is not a fixed conversion of discount percentages into a German SF class. Obtain the certificate from your previous insurer and have the specific classification confirmed before you make your decision. We also support you in Polish.
06Switching contracts
Have your current premium bill and insurance certificate ready. We compare the coverage you want and help you cancel. Before you end the current contract, it must be clear whether and from when the new insurer will provide the required protection.
Your insurance period ends on 31 December and a notice period of one month, termination must be received by the insurer by November 30 at the latest. The sending date is not sufficient. Contracts during the year have different dates.
If the insurer increases the premium due to an adjustment clause without extending coverage, § 40 VVG provides for a right of termination within one month of receipt of the notification. The termination takes effect at the earliest at the time of the increase. Have the grounds and deadline checked specifically.
Special termination rights may apply following a claim. The start date and deadline depend on the line of business and the processing of the case. Separate rules apply in the event of a sale. Notify the insurer promptly and have the next steps confirmed.
07Take a closer look at the tariff
Not every building block is needed. First, check what is already included, what your leasing contract requires and what costs you can cover yourself. Then compare the additional contribution.
For regular trips abroad, for example to Poland, you should also check the geographical scope and help in the event of damage. A car policy is not a replacement Traffic legal protection for insured legal disputes.
08Praedurion as a broker
You can contact us if you have any questions about the policy, a change or a claim. We explain documents and support you in correspondence with the insurer. Advice is possible in German and Polish; The contract documents from German insurers usually remain in German.
We are insurance brokers and not a single insurance company. We do not charge you a separate fee for comparison and broker support. The insurer pays our compensation. You pay the insurance premium according to your contract.
We will support you in reporting the damage and the next steps. Which documents, repair approvals or reports are necessary depends on the case. Contacting us is not a guarantee of coverage or benefits.
Help with a car damageWe are checking whether we can take over the care. A mere transfer of care does not automatically require a change in tariff. The prerequisite is your order and the possibility of taking over from the insurer.
Geschäftsführer der Praedurion Versicherungsmakler UG (haftungsbeschränkt)
Insurance broker licensed under Section 34d(1) of the Trade Regulation Act (GewO)
Registrierungsnummer: D-JDBS-BR5GO-95
You can verify the entry directly in insurance intermediary register (opens in a new tab) check.
09Another question?
For a car that requires registration, you generally need motor vehicle liability insurance. It covers the legitimate claims of others and protects against unjustified claims. Partial comprehensive insurance and fully comprehensive insurance are not required by law; However, a leasing or financing contract may require comprehensive coverage.
Comprehensive insurance is particularly worth considering if a self-inflicted total loss would be financially difficult to bear or if your leasing contract requires it. The decisive factors are the vehicle value, premium, deductible, and your financial flexibility. A blanket age limit for the car is of little help.
Without vehicle data, driver group, usage and damage history, no reliable contribution can be given. Compare the costs for a whole year with the same protection. A low monthly rate alone says nothing about the annual price or the appropriate insurance.
The vehicle calculator can be accessed at /rechner/kfz. It guides you through vehicle details, usage, driver information, and insurance coverage. For real premiums, the Praedurion comparison service must be activated; you can see the current status directly in the calculator. Without a connection, no tariffs will be generated, and no applications will be sent. You can still request a personal comparison.
This depends on the insurer and whether all details can be verified. We assist with your request but cannot guarantee immediate issuance. Schedule your vehicle registration appointment only after receiving a confirmed eVB. Initiating contact does not generate a code.
No. The eVB serves as electronic proof of motor vehicle liability at the registration office. Whether and from when additional comprehensive insurance coverage is available must be expressly agreed and confirmed. Clarify when coverage begins, especially before picking up a new car.
In the case of liability, the insurer must treat a loss history certificate from Poland or another EEA state in accordance with § 5c paragraph 3 PflVG as a German certificate. However, this does not result in a general conversion of a Polish discount percentage into a specific German SF class. Have the specific classification confirmed.
Only if your insurance period ends on December 31 and a one-month notice period applies. For other terms, a different date applies. In addition, special termination rights may exist, for example in the event of a corresponding increase in contributions. The contract and timely receipt by the insurer are crucial.
We do not charge you a separate fee for the comparison and broker support. The insurer pays our compensation. You pay the premium for the chosen insurance contract according to its terms and conditions. The comparison includes available tariffs and does not automatically reflect the entire market.
We check whether your insurer allows the transfer of care and what documents are required for this. You don't have to automatically switch tariffs just to take care of your child. We will only take over the support after your order and the necessary confirmation.
10For further reading
The general explanations do not replace checking your contract. The conditions of the selected tariff apply to individual services. You can find the legal basis for compulsory insurance, eVB, claims history and cancellation here:
Editorial status: .
Your next step
New tariff, eVB or a question about the contract: Tell us what you need support with.