Visit Ukraine - Car insurance in Germany: do Ukrainians need to take out a local policy?

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15 Aug. 2024

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Car insurance in Germany: do Ukrainians need to take out a local policy?

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Transport

Germany

Table of contents

Car insurance in Germany: types of policies
What determines the cost of insurance in Germany?
How to get car insurance in Germany?
Car insurance for Ukrainians in Germany: do I need to take out a local policy?
How do I apply for a Green Card?

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Car insurance in Germany: do Ukrainians need to take out a local policy?

Ukrainians who currently live in Germany and own a car should know all about the rules that apply to drivers. Find out more about compulsory car insurance in Germany and whether Ukrainians need to take out German insurance

Insurance policy Green card for traveling abroad by car

Insurance policy Green card for traveling abroad by car

All drivers in Germany have compulsory car insurance called KFZ-Haftpflichtversicherung. This insurance is identical to the usual Ukrainian car insurance. The article below explains whether Ukrainians need to take out German insurance and whether there are other options.

Car insurance in Germany: types of policies

KFZ-Haftpflichtversicherung: an analogue of compulsory motor third party liability insurance in Germany

KFZ-Haftpflichtversicherung insurance is similar to Ukrainian motor third party liability insurance and is mandatory for all vehicles with German registration. The policy covers damages to the victim in the event of an accident in the country.

Teilkasko: analogue of Mini Hull Insurance in Germany

Teilkasko is a voluntary car insurance similar to the Ukrainian Mini Kasko, which covers additional risks, such as damage to the car in the event of a natural disaster, collision with animals, theft, etc.

Vollkasko: an analogue of hull insurance in Germany

Vollkasko is also a voluntary policy, an analogue of the Casco that is familiar to Ukrainians. It is a policy that covers the most risks and provides full indemnity.

What determines the cost of insurance in Germany?

It is almost impossible to find out the exact price of car insurance in Germany without additional calculations. The cost of a policy depends on the following factors:

● the amount of coverage;
● region of registration;
● car make and model;
● driver's length of service and profession;
● engine size;
● mileage and year of manufacture of the car;
● driver's age;
● deductible amount, etc.

How to get car insurance in Germany?

Obtaining compulsory car insurance in Germany is quite simple:

● apply to the insurance company for car insurance online or in person;

● prepare a package of documents;

● sign a contract and make a payment;

● receive an eVB number - an electronic confirmation of the insurance policy.

What documents are required to obtain compulsory car insurance in Germany?

● Driving licence;
● identity document;

● information on driving experience;

● vehicle registration certificate;

● documents on the purchase of the car may also be required.

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Car insurance for Ukrainians in Germany: do I need to take out a local policy?

Ukrainians who have been living in Germany for more than 1 year have until 30 September 2024 to re-register their car and obtain German licence plates. For cars that have already completed the re-registration procedure and received German number plates, KFZ-Haftpflichtversicherung car insurance is mandatory.

For more information on re-registering a Ukrainian car in Germany, please follow the link.

However, do drivers who still drive cars with Ukrainian licence plates need to take out German motor third party liability insurance?

No, not if you have a valid Green Card insurance policy.

The Green Card is an international insurance policy for motorists. If you have travelled from Ukraine in your own car, you know that this policy is mandatory for crossing the border. However, it is also valid in Germany. The main thing is to keep track of the policy's validity period and renew it in time.

The insurance company will compensate for any damage that may be caused abroad by a car with a Green Card policy. It's important to remember that damage caused to third parties is covered, but the coverage does not apply to the person responsible for the accident.

If you have a valid Green Card insurance policy, you do not need to take out additional German insurance. Remember that the Green Card is valid not only in Germany and Ukraine, but also in Europe, North Africa and the Middle East, so you will be under reliable insurance protection even when travelling to other countries.

How do I apply for a Green Card?

It is better to buy insurance online because it is quick and easy. On the Visit Ukraine portal, you can take out a Green Card policy from a licensed insurer. Packages are available for different periods from 15 days to 1 year for cars and trucks, trailers and semi-trailers for trucks, as well as motorcycles and scooters.

Please note! For those Ukrainians who have travelled abroad in their own cars due to the war, it is advisable to research the laws and regulations of the country in which they are currently staying. You can find out which countries have mandatory vehicle registration and whether you need to undergo a technical inspection here.

Photo: Freepik

Want to know more? Read the latest news and useful materials about Ukraine and the world in the News section.

Are you planning a trip to Europe by car? A Green Card from Visit Ukraine is your reliable protection on European roads. Fast processing, affordable prices and complete peace of mind while travelling. Apply for a Green Card and enjoy a safe trip abroad!

Do you have additional questions? Contact the Visit Ukraine hotline (Telegram | WhatsApp).

Our recommendation for a safe and comfortable trip:

Visit Ukraine Insurance - insurance for a safe stay abroad without unnecessary expenses;

Green Card - compulsory car insurance for traveling abroad;

Visit Ukraine Tickets - book tickets for buses, trains, and airplanes to/from Ukraine and between cities around the world;

Private Lawyer service - professional legal support on visa and migration issues;

Visit Ukraine Merch - buy patriotic clothing and accessories with worldwide delivery.

© 2018-2024, Visit Ukraine. Use, copying or reprinting of materials on this site is permitted only with a link (hyperlink for online publications) to Visit Ukraine.

All rights reserved.

Frequantly

asked questions

How long can I drive a car with Ukrainian registration in Germany?

One year.

Do I need to undergo a technical inspection when re-registering a car in Germany?

How much does a car inspection cost in Germany?

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About us

VisitUkraine.Today is a service portal for tourists traveling to Ukraine and Ukrainians planning a trip abroad.

On the portal you can order the following products/services:
• medical insurance for entry into Ukraine with coverage of military risks;
• travel and health insurance for leaving the country;
• legal advice (professional legal support on visa and migration issues);
• Green Card - compulsory car insurance for traveling abroad

To order, you need to fill out an electronic form and make a payment, after which the finished insurance document will be sent to the specified e-mail within 30 minutes.

The website also contains the necessary and most up-to-date information on:
• rules of crossing the Ukrainian border by foreign citizens;
• rules of entry of Ukrainians to 200 countries of the world for tourism, work (business), study or immigration purposes;
• visa information.

All information on the website is updated daily and is available in three languages - Ukrainian, English and Russian.

Customer support (English speaking) is available - online chats (around the clock) and a call center (08:00-21:00 Kyiv time) - if you need clarification of the information provided or prompt assistance in resolving problems and misunderstandings related to ordering.

The portal was developed by the Ukrainian organization Visit Ukraine.
VisitUkraine is a public union that, since 2018, has been engaged in the promotion and popularization of Ukrainian tourism on the domestic and foreign markets, but the war made its adjustments. Now we are working on the information front.

In addition to the help portal, we have created several other projects:

Visit Ukraine Tours is the largest online database of tours to Ukraine for every taste.
Visit Ukraine Merch – patriotic clothing and accessories with worldwide delivery.
Cooperation – cooperation and advertising integrations with the Visit Ukraine and Visit World projects.
Visit Ukraine Tickets- purchase tickets for several types of transport - buses, trains (in Ukraine and Europe) and flights (in Europe)
Visit Ukraine Hotel is a search engine where you can easily and affordably book a hotel in a number of Ukrainian cities.
Visit Ukraine Donate is a charity project that organizes fundraisers to support Ukrainians and the needs of the military. Anyone can donate any amount in a convenient way from anywhere in the world. Let's bring victory closer together!

We transfer 25% of the proceeds from the sale to the Armed Forces and aid to Ukrainian refugees.

PUBLIC ORGANIZATION «VISIT UKRAINE»
01012, Kyiv, Independence Square Street, 2 , office 814-А
01001, Kyiv, Krestovy lane, 8/9
EDRPOU 41805188
Tel: +380939724145
[email protected]

Cooperation

Our partners

Cooperation with guides and tour operators

Visit Ukraine is a service portal where every user can get up-to-date information on entering Ukraine for citizens of 200+ countries, as well as purchase extended war risk insurance, train/bus/plane tickets, branded merchandise and order a safe tour of Ukraine.

Currently, we have the largest bank of tours in Ukraine and we plan to expand it!

We offer cooperation to guides and tour operators who conduct a tour of Ukraine.
Namely, free placement of your tours on our website.

To get additional information about cooperation - please fill out the form and our manager will contact you!

FAQ

- - What COVID documents do I need to have with me when entering Ukraine now?
    On July 1, 2023, the Ukrainian authorities lifted the quarantine and other restrictions imposed due to the COVID-19 pandemic. From now on, you do not need to provide proof of vaccination, a negative PCR test result or wear a protective mask to enter Ukraine.
  - Is it safe to visit Ukraine during the war?
    Recently, the number of foreign travelers has increased in Ukraine. They visit the country for various purposes: volunteering, participating in humanitarian programs, filming reports or documentaries, setting up a business, etc. There are currently no cities in Ukraine that are completely safe. And although the main fighting is concentrated in the eastern and southern parts of Ukraine, the entire country is subject to regular rocket attacks.
  - What are your safety recommendations before traveling to Ukraine?
    Here are some important tips:
    • Make electronic copies of all documents and save them on your electronic device so that you always have access to them.
    • Find out in advance the curfew time in the region where you are going.
    • Install the Air Alert app on your smartphone and, upon receiving the signal, immediately go to the nearest shelter. You should also do the same if you hear the corresponding signal on the street.
    • When choosing a hotel, consider the availability of bomb shelters.
    • Inform your family and friends about your route and keep in touch with them.
    • Take out health insurance with extended coverage.
    Do foreigners need to register their stay in Ukraine?
    No, if the period of stay in the country is no more than 90 days. If a foreigner arrives for a period longer than 90 days, in this case, he or she needs a temporary or permanent residence permit, as well as registration at the place of residence.
    Can I enter Ukraine with an expired residence permit?
    Yes. Foreigners (except for citizens of the Russian Federation) and stateless persons have the right to enter and legally stay in Ukraine if they have a temporary or permanent residence permit that has expired or is subject to exchange after February 24, 2022.
    How to enter Ukraine with pets?
    Currently, entry to Ukraine with pets is subject to a simplified procedure. Pet owners must provide the following documents to customs:
    • a veterinary passport of the European standard or a certificate of animal health;
    • proof of valid rabies vaccination;
    • a document on the animal's chipping.
    How do I enter Ukraine with my own car with foreign registration?
    Foreign citizens can import cars with foreign license plates into the territory of Ukraine exclusively for their own use. To cross the border in a car with foreign registration, you need the following documents:
    • foreign passport;
    • driver's license;
    • certificate of registration for the car with valid insurance;
    • international automobile insurance card "Green Card".
    Important: foreign nationals with a residence permit in Ukraine may import a car with foreign license plates for their own use after a written declaration and payment of customs duties.
    What happens to foreigners and stateless persons who are not allowed to enter Ukraine?
    Foreigners and stateless persons who are not allowed to enter Ukraine, when attempting to enter Ukraine at a checkpoint across the state border of Ukraine, do not cross the state border of Ukraine and return as soon as possible to the state from which they came or to the state that issued their passport document. If it is not possible to return a foreigner or stateless person immediately, they stay at the checkpoint across the state border of Ukraine until their return.
    What should I do if I have been banned from entering Ukraine?
    If you become aware of a ban on entry to Ukraine while trying to pass passport control at the border of Ukraine, you should politely ask for a decision to refuse to cross the border, indicating the specific reason for the entry ban. You can appeal the decision to deny entry within 30 days from the date of familiarization with it. It is strictly forbidden to argue with border guards or violate the rules of stay at the checkpoint, otherwise you may be held administratively liable. You should remember the rules of staying at the checkpoint.
  Insurance policy
  Is insurance required to enter Ukraine?
  All foreign citizens are required to have an insurance policy covering the costs of Covid-19 treatment in Ukraine.
  For how long do I have to take out an insurance policy?
  According to the Resolution of the Cabinet of Ministers of Ukraine No. 1236, an insurance policy must be issued for the entire period of stay in Ukraine. The minimum period is not specified.
  Where can I get acquainted with the terms of the insurance contract?
  You can familiarize yourself with the terms and conditions of the insurance contract on our website in the section on insurance policy issuance.
  Is it necessary to buy an insurance policy for children?
  Yes, if a child has foreign citizenship, regardless of age, he or she must have an insurance policy for the entire period of stay in Ukraine.
  I am a foreign citizen, can I buy a policy in Ukraine?
  No, the insurance policy must be presented at the border control.
  What is war risk insurance and what war risks does it cover?
  This policy guarantees monetary compensation in the event of an accident as a result of military operations, passive military risks, terrorist acts, including emergency care, outpatient treatment, hospitalization and repatriation of the insured person (or his/her body in case of death) from the place of stay to the place of his/her permanent residence.
  Who can take out insurance?
  The insurance policy applies to foreign nationals, citizens of another state and stateless persons. There are no age restrictions: minors and people over 70 can buy insurance. In addition, insurance is mandatory for journalists, reporters, correspondents, opinion leaders, and media representatives. This is enshrined in the Law of Ukraine on Insurance (Article 7).
  What is the territory covered by the insurance policy covering war risks?
  The insurance policy is valid on the territory of Ukraine, except for the temporarily occupied territories of Luhansk, Donetsk, Kherson and Zaporizhzhia regions and the Autonomous Republic of Crimea, as well as the territories of direct combat operations (front line).
  Are there any restrictions on the validity period of the insurance policy covering war risks?
  The insurance contract comes into force from the moment the insurance premium is paid in full, but not before the date and time of crossing the state border of Ukraine. You choose the duration of the insurance - it depends on the number of days of your stay in Ukraine.
  I can't pay for the insurance, what should I do?
  If your payment fails, we recommend contacting your bank, as they often do not trust payment systems. You need to confirm that it is you who is making the transaction.
  I have taken out insurance, but I have not received a code. What should I do?
  In this case, we advise you to reload the page, clear the cache, change the language on the page, or use a different browser.
  What should I do if the policy does not arrive at the specified mail for more than 30 minutes?
  Please contact the hotline and provide the data that was specified when applying for insurance.
  Do I need to print out the electronic policy?
  You do not need to print out the electronic insurance policy. It is enough to save it to your phone or tablet to always have access to the document and present it to border control representatives.
  What should I do if I have purchased a policy but my trip is canceled?
  Please inform the portal hotline about the reasons for the trip cancellation and we will be happy to reschedule the dates for you.
  What should I do if I provided incorrect data when applying for an insurance policy?
  You can always contact the portal hotline and we will make the necessary changes to the insurance policy free of charge and promptly.