How to Insure a Car Abroad (from Germany)

Are you a German resident who would like to know how to insure your car abroad (from Germany)? Worry no more. Whether it’s for an extended holiday, a temporary relocation, or the desire to explore new countries by car, understanding how international car insurance works is vital. 

Having helped dozens of clients insure their vehicles abroad, I can confidently say that this topic deserves proper attention.

In this guide, I will explain how to insure a car abroad from Germany, what your options are, the most important factors to consider, and how to stay compliant with international laws. I’ll also share a real-life story of a German client who successfully insured his vehicle for long-term use in Spain.

Can You Insure a Car Abroad from Germany?

Yes, you absolutely can. However, the process depends heavily on whether:

• You are taking a German-registered car abroad temporarily.
• You are moving abroad permanently with your car.
• Or you are buying a car abroad as a German resident.

In each scenario, the insurance process will differ. German insurers typically offer limited international coverage, known as the Green Card System. But beyond that, you may need to explore options with foreign insurers.

Understand the Green Card System

The Green Card, also known as the International Motor Insurance Card, is a document that proves you have the minimum required liability insurance in the participating countries. As of 2024, it is accepted in over 45 countries, including all EU states, most European countries, and a few countries in the Middle East and North Africa.

This is usually sufficient for short trips, such as vacations or short business assignments. However, the Green Card doesn’t always cover comprehensive or collision coverage abroad. So, if you want full protection, you must consider additional insurance options.

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Short-Term Travel vs. Long-Term Stay

For trips lasting up to 90 days, your German car insurance (combined with the Green Card) may suffice. But if you’re planning to stay abroad longer than that, especially in non-EU countries, you need to:

• Check the validity of your existing policy.
• Notify your insurer.
• Consider taking out a local policy in your destination country.

Remember, many German insurers will not cover cars abroad beyond six months. If your stay exceeds this period, you may need to deregister the car in Germany and re-register it in the foreign country.

How to Insure a Car Purchased Abroad from Germany

Buying a car abroad and trying to insure it from Germany is a different scenario. In most cases, the car needs to be registered in the country where it will be used. For example, if you purchase a vehicle in France and intend to keep it there, you must register and insure it in France. You can’t legally insure a foreign-registered car with a German policy.

In such cases:

• Contact local insurers in the country of purchase.
• Provide proof of residence or ownership.
• Understand the local insurance requirements.

How to Get an International Car Insurance Policy from Germany

Several German insurers offer international or expat car insurance policies. These are designed for drivers who plan to spend extended time abroad.

Here is a step-by-step guide on how to get an international car insurance policy from Germany:

Step 1: Speak to Your Current Insurer. Ask whether your existing policy covers extended international use. In some cases, they may offer international extensions for a fee.

Step 2: Request a Green Card. This is usually free and acts as your proof of international liability insurance.

Step 3: Evaluate Duration and Coverage Type. If your trip exceeds 90 days or you need more than liability coverage, seek additional coverage. Consider comprehensive international insurance plans.

Step 4: Compare International Car Insurance Options. Use comparison websites or talk to a broker. Major companies like Allianz, AXA, and HUK-COBURG offer international packages.

Step 5: Purchase the Policy and Keep Documentation Handy. Always keep both your German insurance documents and the international policy or Green Card in your vehicle.

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A Real-Life Story: From Munich to Madrid

Last year, one of my clients, Matteo, relocated from Munich to Madrid for a year-long work project. He didn’t want to sell his Audi A4, so he explored how to keep and insure the car abroad.

Initially, Matteo contacted his insurer, who informed him that the Green Card would only cover basic liability in Spain for up to 90 days. Since he planned to stay for 12 months, we worked together to deregister the car in Germany and re-register it in Spain. We found a reputable Spanish insurance provider who offered a full comprehensive policy for around €820 per year.

Thanks to planning ahead, Matteo avoided potential legal trouble and costly uninsured risks. His experience is a good reminder that rules vary widely between countries.

Challenges You May Face Trying to Insure a Car Abroad from Germany

Insuring a car abroad from Germany is doable, but not always easy. Challenges include:

• Language barriers with foreign insurers.
• Legal restrictions on cross-border vehicle use.
• Vehicle registration requirements.
• Lack of support from some German insurers.

However, many of these can be overcome with thorough research and early planning.

How to Compare Car Insurance Quotes for Abroad

Comparing quotes for car insurance abroad is slightly different than domestic comparisons. You need to:

• Identify top-rated insurers in the country of destination.
• Use multilingual comparison tools like Check24, Verivox, or local sites in your destination country.
• Check coverage limits, deductibles, and roadside assistance options.

Make sure to also review customer reviews and policy exclusions.

Additional Coverage to Consider

While liability insurance is often the minimum requirement, consider adding:

• Comprehensive coverage (Theft, vandalism, fire).
• Collision coverage (Even if you’re at fault).
• Roadside assistance.
• Legal protection coverage.

These extras can provide peace of mind, especially when driving in unfamiliar territory.

Can You Insure a Rental Car Abroad from Germany?

Yes, but it’s not always cost-effective. Some German credit cards offer rental car insurance as a perk, which can save you from purchasing overpriced insurance from the rental company. Make sure your card explicitly includes this benefit and always check the fine print.

How Long Does the Process Take?

Insuring your car abroad from Germany typically takes a few days to a couple of weeks, depending on the country and the insurer. Start early, preferably 4 to 6 weeks before departure.

Final Tips for Insuring Your Car Abroad

• Always notify your German insurer before taking your car abroad.
• Double-check whether you need to register your vehicle locally.
• Keep all documents in your vehicle, including the Green Card, registration papers, and international insurance proof.
• Be aware of local driving laws and insurance requirements. Some driving rules that apply in Germany may not apply in Spain, Austria and France. Always obey the traffic laws.

Conclusion: A Smooth Drive Starts with Smart Insurance

Insuring a car abroad from Germany may seem daunting at first, but it’s entirely manageable with the right preparation. Whether you’re embarking on a cross-border adventure or relocating for work, having the correct insurance coverage can save you from costly surprises. Always communicate with your insurer, understand local regulations, and keep your documents in order.

By planning ahead, like my client Matteo did, you ensure that your journey across borders is safe, legal, and stress-free.

Would you need my professional assistance? Send me an email today, [email protected].