Car insurance

GVV Direkt car insurance combines low prices with top service. Discover our tariff options!

Every car needs the right coverage. For new vehicles we recommend the fully comprehensive insurance. For older used vehicles, partial coverage is the best choice. Only for low vehicle values do we recommend pure liability insurance. Compare our services.

Car insurance: our services in comparison

  • third party liability only
  • with partial casco
  • with fully comprehensive insurance

We have calculated an individual price for you based on the data you entered.

The minimum coverage in road traffic

Motor vehicle liability insurance for a VW T-Roc 1.0 TSI (HSN 0603 / TSN CEA), zip code: 48143, SF class 22, first registration: 10.2020, registration to policyholder: 10.2020, year of birth policyholder: 1980, single driver, mileage: 6.000 km per year, owner-occupied single-family house, policyholder employed in municipal service

Liability sum insured for bodily injury, property damage and financial loss per claim (for bodily injury, maximum 15 Mio. EUR per injured person)

Insurance coverage for trips abroad with rented vehicles

Take out car insurance online

In our premium calculator you have the possibility to adjust our tariffs to your needs.

The protection for every good used car.

Motor liability incl. Partial cover insurance with 150 Eur deductible for a VW T-Roc 1.0 TSI (HSN 0603 / TSN CEA), zip code: 48143, SF class 22, first registration: 10.2020, registration with policyholder: 10.2020, year of birth policyholder: 1980, single driver, mileage: 6.000 km per year, owner-occupied single-family house, policyholder employed in municipal service

For bodily injury, property damage and financial loss per claim (for bodily injury, a maximum of 15 million euros per claim). EUR per injured person)

Insurance coverage when driving abroad with rented vehicles

Take out car insurance online

In our premium calculator you have the possibility to adjust our rates to your needs.

For all new cars and young used cars.

Motor liability incl. fully comprehensive insurance with 500 Eur deductible and partial comprehensive insurance without deductible for a VW T-Roc 1.0 TSI (HSN 0603 / TSN CEA), zip code: 48143, SF class 22, first registration: 10.2020, registration to policyholder: 10.2020, year of birth policyholder: 1980, single driver, mileage: 6.000 km per year, owner-occupied single-family house, policyholder employed in municipal service

for personal injury, property damage and financial loss per claim (for personal injury maximum 15 Mio. EUR per injured person)

Insurance coverage when driving abroad with rented vehicles

Take out car insurance online

In our premium calculator you have the possibility to adjust our tariffs to your needs.

Smiling young woman leans out of car window

Insurance cover without compromise

Car insurance that convinces with safety

Whether liability, partial or fully comprehensive, with our car insurance you are carefree on the road. Convince yourself of our favorable conditions and excellent service. At GVV Direkt you will find the car insurance that suits you perfectly.

  • Quick and easy to take out online.
  • GVV Direkt scores with discount protection.
  • Benefit from 24 months new price compensation.

Everything you need to know about car insurance at a glance

Here you will find answers to the most frequently asked questions about car insurance:

When can I change my car insurance?

As a rule, you can cancel your car insurance at the end of each calendar year with a one-month notice period. For an ordinary termination, therefore, the 30. November the general cut-off date. However, there are individual insurers for whom the insurance year does not coincide with the calendar year. Therefore, check whether a different cut-off date applies to your car insurance policy. In addition to the ordinary termination, there is a special right of termination, of which you z.B. after a claim settlement or an increase in premium can be used.

Who is covered by my car insurance policy?

Check the information regarding the driver’s circle in your insurance policy. It states whether only a driver and his partner, several named persons, or any group of persons are covered. Adding additional authorized persons to your car insurance policy is possible in principle at any time, but may involve additional costs, especially in the case of novice drivers.

How long do my percentages remain with a car insurance policy??

Even if you have not had a car for a long time, you can have your old no-claims class (SF class) credited when taking out a new car insurance policy. The percentages do not expire, but insurers can independently determine how long the no-claims bonus remains in effect. As a rule, seven to ten years. It is important to keep your old insurance documents in order to be able to prove your SF class, because your former insurance company does not store your data indefinitely.

What is an eVB number and how long is it valid for?

The abbreviation eVB stands for “electronic confirmation of insurance”. The eVB number is a seven-digit alphanumeric code that has replaced the old insurance double card as proof of insurance. The eVB number is linked to information about the vehicle and the policyholder. You receive the eVB number when you take out car insurance and you need it to register your vehicle. The maximum period of validity of an eVB number is 6 months with GVV Direkt.

Which documents do I need for car registration?

The following documents are required for the registration of your vehicle:

  • Valid identity card (alternatively: passport with confirmation of registration)
  • eVB number of your car insurance
  • Registration certificate part II (vehicle title)

In the case of registration or re-registration of a used vehicle, you will also need:

  • Registration certificate part I (vehicle registration document)
  • Proof of a valid general inspection
  • optional for deregistered vehicles: decommissioning certificate

What is a motor vehicle liability insurance?

Motor vehicle liability insurance is a statutory obligation: every vehicle owner is obliged to take out at least one liability insurance policy before registering a vehicle. This liability insurance covers damage caused to others through no fault of their own. This can be property damage, financial loss and also personal injury. The motor vehicle liability insurance is valid throughout Europe, as well as in all non-European countries listed in the General Conditions for Motor Vehicle Insurance or the International Insurance Card (Green Card).

Which benefits are included in the partial cover insurance?

The partial comprehensive insurance covers damages such as damage, destruction, total loss or loss of the vehicle including its co-insured parts. The following risks are insured:

  • Fire and explosion
  • Theft of the vehicle
  • Burglary
  • Unauthorized use of strangers
  • Storm, hail, lightning, flooding
  • Collision with animals
  • Animal bite, such as z. B.marten bite
  • Glass breakage
  • Short-circuit damage to the wiring
  • Theft of the vehicle keys

What benefits are included in comprehensive insurance?

The fully comprehensive insurance includes all benefits of the partial comprehensive insurance. In addition, your vehicle is also insured against wilful or malicious damage caused by others in the case of comprehensive insurance. In addition, fully comprehensive insurance also covers damage to your car caused by yourself, for example, in the event of an accident caused by yourself. In addition, the transport on a ferry is also insured.

What is meant by a type class in car insurance??

The type class is one of several tariff features that determine the premium amount of the car insurance. This index value reflects the damage and accident records of each car model registered in Germany. Type classes are calculated on the basis of vehicle damage and the associated repair costs over the past three years. If fewer claims are reported for a vehicle type compared to previous years, this model is classified in a lower type class. In case of higher damage, in return, there is an upgrade. The type classes are adjusted annually and thus affect the insurance premium.

What role does the regional class play in my car insurance??

The regional class is one of the tariff characteristics that determines the premium amount of the car insurance. The assignment is based on the main residence of the vehicle owner. The calculation for liability rates takes into account the driving behavior of all motorists in the region, the number of claims in relation to the number of registered vehicles, as well as the average amount of damages. For comprehensive insurance, additional factors such as the frequency of theft, storm and hail damage and the number of deer accidents are also included. The adjustment of regional classes is carried out annually and thus affects the amount of the insurance premium.

E-car and hybrid well insured

Our car insurance thinks about tomorrow today: enjoy special insurance cover for your electric car or hybrid with GVV Direkt. With us, you benefit from comprehensive insurance services for electric drives – at no extra charge.

The car insurance for your electric car

For your electric or hybrid car, the most important thing is that the insurance coverage for the accumulator (battery) is sufficient. GVV Direkt offers you all-round protection: This includes consequential damage after animal bites and short-circuit damage, as well as disposal costs after damage. In addition, the charging station and charging cable are also insured.

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