Temporary Car Insurance in Germany: What You Should Know

Many people assume car insurance in Germany must be long-term, complex, and expensive. However, if you only need to drive a vehicle for a short period in Germany, whether for a few days, weeks, or up to six months, there’s a more flexible solution: temporary car insurance. 

Known in German as Kurzzeitversicherung, this policy type offers short-term coverage with surprising benefits. As a licensed insurance broker with a decade of experience in Germany and three years in Switzerland, I’ve helped countless clients understand this often-overlooked area of car insurance.

In this guide, I’ll explain:

• How temporary car insurance works in Germany
• What it typically covers
• How to get the best temporary car insurance rates in Germany
• And what to look out for before signing up. 

In addition, I’ll also compare quotes from some of the most reliable insurers. I will share the story of a client from Luxembourg who benefited from this policy during his short stay in Germany.

What Is Temporary Car Insurance in Germany?

Temporary car insurance, or Kurzzeitkennzeichen-Versicherung, provides insurance coverage for a limited period, ranging from 1 day to 180 days. It’s ideal for people who:

• Drive in Germany for a short visit
• Need to move a car from one location to another
• Are you test-driving a newly purchased vehicle
• Have a foreign license but are temporarily in Germany

Unlike regular car insurance, which requires a 6–12-month contract, temporary car insurance is often more affordable and easier to obtain. It provides peace of mind without the long-term financial commitment.

What Does Temporary Car Insurance Cover?

Most temporary car insurance policies in Germany include basic third-party liability (Haftpflichtversicherung), which is legally required. However, you can also add optional coverage for more protection.

Typical Coverage Includes:

• Third-party liability insurance: Covers damages to other people or property.
• Limited comprehensive coverage (Teilkasko): Optional. Protects against theft, fire, weather damage, and broken glass.
• Full comprehensive coverage (Vollkasko): Less common in temp policies but available from premium insurers.

While temporary insurance can be customized, many insurers keep the options minimal to ensure fast issuance.

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What It Doesn’t Cover

Even though it’s convenient, there are limitations. Most temporary policies do not cover:

• Personal injury for the driver (unless added)
• High-value vehicles
• Extended use beyond the agreed-upon period
• Non-EU license holders in some cases

That’s why it’s important to read the terms and conditions carefully before purchasing.

Who Should Consider Temporary Car Insurance in Germany?

This policy is particularly useful for:

• International students or tourists staying less than 6 months
• Car dealers need to transport vehicles
• Expats relocating and waiting for permanent coverage
• Residents borrowing a friend’s or relative’s car for a few days

In my experience, these policies are most in demand during relocation periods, semester breaks, and temporary job contracts.

How Marc from Luxembourg Benefited from Temp Cover While in Munich

Let me share the case of Marc, a young IT consultant from Luxembourg. He had a three-month freelance assignment in Munich and preferred driving his personal car. However, his Luxembourg insurance didn’t provide extended coverage in Germany. I recommended a 3-month temporary policy through HDI Versicherung. 

The application was online, and approval came within an hour. With third-party liability and partial comprehensive coverage, Marc had peace of mind for €115/month. That quick and flexible solution made his entire work trip worry-free.

Requirements for Getting Temporary Car Insurance in Germany

To be eligible for temporary car cover in Germany, you generally need:

1. A valid driver’s license (EU or International)
2. Vehicle documents (registration, ownership proof)
3. German address or correspondence address
4. Payment details (credit card or bank account)
5. Duration of insurance coverage requested

Some insurers may require proof of prior insurance, especially for longer durations or higher coverage.

Average Cost of Temporary Car Insurance in Germany

Prices vary depending on duration, coverage type, car value, and driver’s age. Here’s a breakdown of average pricing:

Top Insurance Providers Offering Temporary Car Cover in Germany

Here’s a comparison of current (2025) average quotes from leading insurers:

These prices reflect average quotes for drivers under 30 with no prior claims.

How to Get the Best Rate on Temporary Car Insurance

Although pricing is generally competitive, here are ways to secure the best deal:

Government Regulations and Oversight

Temporary car insurance must meet the same legal standards as permanent auto insurance in Germany. It must include the minimum €7.5 million in liability coverage. The BaFin (Federal Financial Supervisory Authority) ensures that providers adhere to regulations.

The government has also taken steps to prevent misuse. For example, stricter ID and vehicle verification were introduced in 2022 to combat fraud.

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Final Thoughts

Temporary car insurance in Germany is a flexible and affordable solution for short-term vehicle use. Whether you’re visiting, relocating, or just need short-term cover for your new car, Kurzzeitversicherung ensures you’re legally compliant and financially protected.

However, not all policies are created equal. Always check what’s included, compare multiple providers, and assess your specific needs.

If you’re unsure which policy is right for you, working with a licensed insurance broker like me can make the process smoother and less stressful. I’ve helped countless clients, including international visitors and students, secure cost-effective coverage within a matter of hours.

Ready to get temporary car insurance in Germany? Let’s chat about the best options for your situation on LinkedIn. Or send an email to [email protected]