COMPARISON
Car insurance: eVB in 10 minutes — and keep your no-claims record
Registering a car in Germany starts with insurance: the Zulassungsstelle requires an eVB number — a 7-digit code proving your liability policy exists. It arrives online within minutes. The biggest price lever is the Schadenfreiheitsklasse (no-claims class): newcomers pay a lot, but foreign claim-free years can often be transferred.
How it works
- 1 Compare tariffs: for newcomers (SF class 0) prices differ by up to 2× for identical cover.
- 2 Buy the policy online — the eVB number arrives by email within minutes.
- 3 Take the eVB to the Zulassungsstelle (or register online via i-Kfz).
- 4 Ask your previous insurer for a no-claims certificate — many German insurers recognise it and give you a better class.
Get your eVB online
- Check24 KFZ-Versicherung Insurance
Car insurance comparison: get your eVB number online in minutes.
- HUK-COBURG Insurance
One of Germany's largest car insurers.
Frequently asked questions
What is an eVB number and why do I need it?
The eVB (electronic insurance confirmation) is a 7-digit code your insurer uses to confirm liability cover to the registration office. No eVB — no registration. It is free and issued immediately when you buy a policy.
How much is car insurance in Germany without a German no-claims history?
Liability at SF 0: roughly €800–1,500/year for a mid-range car — heavily dependent on city, age and vehicle. Partial cover +€100–200, full cover +€300–600. After 1–2 claim-free years the price drops significantly.
Can I transfer my no-claims history from another country to Germany?
Often yes. Request a claim-free driving certificate from your previous insurer (in English or translated) — many German insurers recognise 5+ foreign years and grade you accordingly. This saves hundreds of euros a year — ask before signing.
Do I need full cover (Vollkasko) or is liability enough?
Only liability (Haftpflicht) is legally required. Teilkasko covers theft, glass, wildlife and hail; Vollkasko also your own fault. Rule of thumb: car worth over ~€10,000 or financed — Vollkasko; older than 8–10 years — liability + Teilkasko usually suffices.
How long is an eVB number valid?
Usually 3–6 months from issue (insurer-dependent). Expired? Just request a new one — free of charge.
Can the registered keeper and the policyholder be different people?
Yes, that is allowed. What matters is the declared driver circle: an undeclared driver means recourse claims and back-payments after an accident. Declare all drivers honestly.
When can I switch car insurers in Germany?
Normally on 1 January, with notice by 30 November. Plus special termination rights: after a premium increase, after a claim, and when changing cars. Switching yearly is normal in Germany and saves €100–300 on average.
Transparency: some links on this page may be affiliate links — if you sign up through them we may earn a commission. The price does not change for you. We do not collect any user data.