Glossary

Accident & breakdown cover is especially useful if you commute or drive long distances, offering extra security in cases of accidents or your car breaking down.

Someone causes damage to you or your property, but they can't pay for it? Your liability insurance will ensure you aren't left paying for someone else's mess.

The bonus-malus class/no-claims bonus strongly influences the price of your car insurance. Here we explain how it is calculated in Germany and how to save.

Your vehicle's type class is one of many things that insurers use to calculate your premium. Find out everything you need to know about type classes here!

In the event of damage, the person who caused the damage is legally required to pay for it - this is known as compensation, or Schadenersatz in German.

A cover note is a confirmation from your insurer of the extent to which they will cover the costs of your legal matter. We explain here how and when it is relevant.

Children or adults are considered incapable of committing a crime in Germany if they can’t be held responsible for any damage they have caused. Learn more here.

Property damage, own damage, personal injury, burglary: insurance classifies between many types of damage. Here we explain the main types and their definitions.

Definition: Disability. Find out what disability means in the context of accident insurance.

As a rule, it is worthwhile if you drive your car a lot and own an expensive car with a high type class. All you need to know about discount protection here.

eVB stands for electronic insurance verification and serves as proof of existing motor vehicle liability coverage. Find everything you need to know here.

Excess is the part of the costs that you pay yourself in the event of a claim. You choose this amount when you buy a policy. Here we explain the details.

The fair value describes the value that an item has at the time of an insurance claim. Here we explain how it is calculated and what your insurance will pay out.

Fully comprehensive coverage insures all damages covered by partial comprehensive cover. It also covers damage to your vehicle that you cause yourself.

Who needs it, what it costs, and what it covers: We explain this and address all important questions about Fully Comprehensive Coverage.

The main benefit of opting for the garage partner network is that you will pay less for your car insurance. However, it comes with less flexibility. More here.

Recently at the vet with your pet and wondering what the term "GOT-Satz" means and how it is calculated? We explain how vet fees are calculated in Germany here.

An accident is an accident? Unfortunately, it’s not as simple as that. Here you will find out what counts as an accident and what does not.

Private liability insurance isn't compulsory, but over 80% of Germans have it. Here we explain the benefits of liability coverage and when it can come in handy.

An initial consultation is your first chance with a lawyer to discuss your legal situation, clarify your initial questions and discuss the best way to proceed.

Find out everything you need about the insured sum and what it means for your contents & liability insurance: how is it being calculated?

Litigation costs are all costs, court costs and extrajudicial costs, incurred in a legal dispute brought before a court. We explain all the details here.

The differences between simple and gross negligence and intent, how your insurance works in cases of negligence - all of your questions answered here!

Accident-free driving is rewarded with a no-claims bonus, i.e. a discount. The higher your SF class and bonus are, the less you pay for your car insurance.

Partial comprehensive cover insures the costs of damage to your car that are outside of your control, for example from fire, theft or natural hazards.

Which dog breeds are considered "potentially dangerous" in Germany? Can you still get liability insurance for these dogs? Here we explain all you need to know!

Find out everything you need to know about progression in accident insurance

A regional class indicates how high the probability is that an accident will occur and how high the costs of the damage could be based on where you live.

If you insure a second car, the same conditions and rules apply (type class, regional class, age of your vehicle, etc.) as for the first car. More here.

Miss the car switcher season deadline (30.11.)? You still might be able to make use of your special right to termination of your car insurance. More here.

The sum insured is the maximum amount an insurance will pay out in the event of a claim. Learn more and check out our overview of sums insured at Getsafe here.

Definition: Schedule of compensation. We explain what the schedule of compensation is and what role it plays in accident insurance.

Find out everything you need about the underinsurance waiver and what it means for your contents insurance: what is that? Do I need it?

Third-party liability insurance comes to the rescue if you cause a car accident that results in personal injury, property damage or financial loss to third parties.

The waiting period is a set time period between the purchase of an insurance policy and the start of the coverage. Here we explain what this means for you.