Protect your car optimally with the many new services and highlights.
personal injury, damage to property and assets
Liability insurance is compulsory in germany for every registered motor vehicle. In the event of an accident caused by you, it pays for damage caused to others. gothaer auto insurance provides lump-sum compensation for personal injury, property damage and financial losses of up to 100 million euros. Euro. Personal injury is covered up to 15 million euros within the scope of this sum insured. Euro per injured person replaced.
theft, especially through theft and robbery, is insured.
Accidents, including self-inflicted accidents
Accidental damage to your own vehicle, including self-inflicted damage, is insured.
Insured are damages or destruction of the vehicle due to intentional or malicious acts of third parties.
If a comprehensive damage is caused by gross negligence, the insurance company does not have to pay for the damage or the damage is covered by the insurance. Only partially pay. Gothaer customers do not know this problem, because we also reimburse comprehensive damage in the event of gross negligence. Exceptions are of course damages caused by driving under the influence of alcohol or drugs or if the thief or the victim of a theft is not able to repair the windshield. The thief was made all too easy.
Damage caused by the direct effects of storms, hail, lightning or floods is covered.
avalanches, mudslides, roof avalanches or landslides
Damage caused by avalanches, mudslides, roof avalanches or landslides is also insured.
Fire and explosion
Insured are damages caused by fire or explosion.
Glass breakage and windshield repair
Co-insured are z. B. Damage to the windshield. Our partners carglass and KS autoglas will repair your windshield free of charge. This applies regardless of the agreed deductible.
Collision with animals of all kinds
Damage caused by collision with animals is insured.
Animal bite and consequential damage
Damage to the car caused by an animal bite is covered, including damage to the interior of the vehicle, including the cargo area and loading space. The insurance also covers related damage to the vehicle caused by pollution z. B. Through feces or urine. Consequential animal bite damage is covered up to 3.000 euro co-insured.
Short circuit on the wiring and consequential damages
Damage caused by a short-circuit in the wiring is insured. Consequential damage caused by this is covered up to 3.000 euro co-insured.
Co-insured vehicle accessories and electronics package
Vehicle parts and accessories supplied directly by the dealer/manufacturer are insured for an unlimited amount. subsequently purchased and installed vehicle accessories are covered up to a total value of 5.000 euros included in the non-contributory insurance. On-board electronics, music and permanently installed navigation systems are insured up to a further 5.000 euro non-contributory insurance.
Mobile navigation devices are insured without limit.
Protection on ferries
Insures damage during the use of ferries. Partially comprehensive insurance covers, for example, if the vehicle is washed overboard by a storm.
For your new car: in the case of theft or destruction or. extensive damage to your car, we will reimburse you for the new price within the specified periods (from the date of first registration).
Waiver of deduction new for old
You drive an older vehicle and the clutch is worn out? If it is damaged in an accident and has to be replaced, the new replacement part has a higher value than the old, used clutch. In the case of hull compensation, this additional value is often deducted from the compensation amount, i.e. a "new for old" deduction made. gothaer autoversicherung does not make this deduction.
Premium-free additional coverage for damage to self-used rental vehicles in other european countries.
The cover letter for your motor liability insurance is always with you. You can rely on fast assistance in the event of a breakdown, accident or theft at home or abroad, as well as many extra services.
Since 01.07.a significantly improved scope of benefits applies in 2021.
Protection for all-electric and hybrid cars
The following services are also insured:
– up to 25.000 euro: consequential short-circuit damage to the battery due to a short circuit in the wiring
– up to 25.000 euros: overvoltage damage to battery or on-board electronics during charging
– up to 25.000 euros: animal bite consequential damage to the battery
– up to 3.000 euro: fire damage to wallboxes / charging stations during the charging process
– up to 2.000 euros: battery extinguishing costs in the event of a total loss
– up to 5.000 euro: battery disposal costs in case of total loss
Protection for purely electric and hybrid cars, all-risk coverage for the battery
Comprehensive protection for the battery with all-risk coverage up to 25.000 euro.
gothaer’s new motor tariff – many improvements and highlights for you, for example:
- The new additional premium protection module to your comprehensive insurance with top protection, u. A. With up to four years of compensation for new value and purchase price, own-damage coverage, car contents protection, value reduction compensation and much more.
- The new smart repair offer within the scope of top protection. Once a year, you can have small parking damages of up to 250 euros repaired on the body of your private car using the smart-repair method – without affecting your no-claims bonus and with a deductible of only 50 euros.
- the loyalty hull. It is a real market innovation and rewards loyal comprehensive customers. If coverage is agreed, fully comprehensive insurance with 400 euro deductible included. Partial hull insurance with a deductible of 200 euros, the agreed deductible melts away by 50 euros every year if there is no damage, until in the end even 0 euros are possible! ask your gothaer advisor about this.
- The outstanding performance update for anyone who owns an electric car or a car with a hybrid drive system driving, incl. The highlight of all-risk coverage for the battery within the scope of fully comprehensive insurance up to 25.000 euro. On top: 20 percent premium discount for electric cars and five percent for hybrid cars. The premium benefits are automatically taken into account when you calculate your premium.
- The additional savings for all those who are insuring a car for the first time or want insurance cover for a second car. For you, there are very favorable initial classification options in the no-claims class. Your gothaer advisor will also help you with any questions you may have.
Compulsory for every car: liability insurance
Without motor vehicle liability insurance, a car is not allowed to participate in public traffic – too quickly, damages in the millions can occur, which cannot be paid by private individuals. gothaer’s auto liability insurance therefore steps in quickly in the event of a claim and covers the costs that you, as a motorist, incur in an accident.
Important to know: the pure auto liability insurance does not cover damage to your own vehicle. You will need auto damage insurance, i.e. fully comprehensive insurance.
Extended protection through comprehensive insurance
In addition to the obligatory motor vehicle liability insurance, the so-called comprehensive insurance policies are optional components of the car insurance policy. With partial casco, your car is insured against theft (auto theft insurance), fire damage, weather damage, glass breakage and in the event of wildlife accidents.
If you also want to insure self-inflicted damage to your car, we recommend fully comprehensive insurance, which also covers damage caused by vandalism (vandalism car insurance). This way you enjoy comprehensive protection.
You will receive attractive discounts on your car insurance premium
- As a low driver
- In case of vehicle use by certain drivers only
- As the owner of a new car
- As a second car user
- If you use our workshop service
already a gothaer customer? Save thanks to the bundle advantage
If you have other private gothaer insurance policies, such as household contents, homeowners, private liability, accident insurance or, for example, supplementary dental insurance or life insurance, we will reward you with our bundled benefit.
For more information, contact your gothaer advisor.
Your suitable additional car insurance modules
With our top protection add-on module, you receive an attractive package of additional comprehensive benefits.
- For your new vehicle: extension of new value compensation up to 24 months after initial registration (up to twelve months in the event of theft)
- For your used car: after a total loss, we will refund the purchase price up to 24 months from the date of purchase (up to twelve months in case of theft)
- Co-insurance of accessories and on-board electronics up to 10 each.000 euro
- Insurance cover for short-circuit consequential damage up to 5.000 euro
- insurance cover for consequential damage caused by animal bites up to 5.000 euro
- Co-insurance of damage caused by avalanches, mudslides and roof avalanches, also in partial casco insurance
- reimbursement of costs up to 1.000 euros for replacement vehicle keys and locks after burglary/robbery
- assumption of registration costs up to 100 euros in case of total loss and gothaer follow-up contract
- Co-insurance of minor damage repairs up to 250 euro (50 euro deductible) to the bodywork of your private car using the smart repair method, without burdening your no-claims bonus, once a year
With premium protection, you can add valuable additional benefits to your comprehensive insurance with top protection:
- For your new vehicle: new value compensation for up to 48 months from first registration
- For your used car: after a total loss, we will refund the purchase price up to 48 months from the date of purchase
- Own damage: co-insurance of damage to your property up to 50.000 euro per claim (500 euro deductible), maximum 100.000 euros per insurance year – z. B. If you damage your carport when parking with your car
- Insurance coverage for consequential damage to the vehicle caused by animal bites up to 10.000 euro
- insurance coverage for short circuit consequential damages up to 10.000 euro
- Co-insurance of damage caused by earthquake, volcanic eruption, subsidence, rockslide or landslide already in the partial cover insurance
- car contents insurance: up to 1.000 euro protection for household effects in the car. And: protection for bicycles / sports equipment after collision damage
- depreciation compensation for your vehicle in the first four years after initial registration, if the repair costs after an accident or vandalism exceed 2.000 euros
- Co-insurance of damage to rented trailers due to accident up to 2.500 euro (no caravan, trailer connected to the vehicle)
With our partner garages, you have access to a nationwide network for fast and uncomplicated claims settlement. In addition, you benefit from strong extras and an attractive premium discount if you decide to always use our partner garages in the event of a claim:
- 18 percent discount on your comprehensive insurance premium
- Repair shop referral within one hour
- Free replacement car for the duration of the repair
- pick-up and drop-off service, cleaning service
- Six-year warranty on all work performed as well as entry into the manufacturer’s warranty
Even if you do not generally opt for the workshop service in gothaer auto insurance, you have the option of using the service in individual cases. We reward this with a reduction of the agreed deductible by 100 euros (glass and hail damage are excluded).
If you are seriously injured as the driver in an accident for which you are responsible or for which you are partly responsible, you have a claim against your health insurance fund or your pension insurance provider. But when it comes to loss of earnings, pension payments or accident-related costs such as expenses for modifications to accommodate the disabled, their benefits are rarely sufficient.
The additional driver protection module in gothaer auto insurance helps here. It supplements your coverage with comprehensive financial protection for the driver or. The driver.
- Comparable benefits to a liability claim
- Benefits up to an amount of 15 mio. euros per claim
- The no-claims bonus in the motor vehicle liability insurance is not charged
Benefits from health insurance or employer count towards our benefits.
You drive a leased vehicle or have financed your car? In the event of theft or total loss, the compensation is often insufficient to cover the residual claim of the leasing or rental company. lender.
What is GAP insurance? The GAP insurance (engl. Gap insurance – also known as GAP coverage, GAP protection, GAP coverage, differential coverage or differential comprehensive insurance – closes the financial gap in the event of theft or total loss of a leased vehicle between the replacement value paid by the comprehensive motor vehicle insurance and the contractually agreed leasing value that you would still have to pay for the leased vehicle.
With GAP coverage in gothaer auto insurance, you can close this gap.
Support climate neutrality
Join in and offset your carbon footprint!
Regardless of the type of drive you choose for your car, internal combustion engines cause CO2 emissions. You can reduce the amount of these emissions by your choice of car and by the way you drive, but you will always leave a carbon footprint by operating your car.
With climatepartner, we have found a partner that gives you the opportunity to offset your carbon footprint. You can do this by supporting certified international climate protection projects. These projects are proven to save emissions of greenhouse gases or sequester them in the soil.
For drivers of all-electric and hybrid cars
gothaer wants to do something for climate protection and promote sustainability. That’s why we have significantly improved our comprehensive cover for all-electric cars. In addition, we now also offer the benefits package for hybrid passenger cars.
the basic coverage already includes comprehensive benefits, be it for overvoltage damage to the battery during charging or if the wallbox or charging station catches fire during charging. Our highlight in the new tariff: All-risk coverage for the battery up to 25 % in the fully comprehensive insurance.000 euro.
We also reward environmentally friendly driving with a premium discount of 20 percent for purely electric cars and five percent for cars with hybrid drive, in both liability and comprehensive insurance.
drivers of electric cars often worry about being "stranded" with an empty battery. We would like to take this worry away from you. With your gothaer schutzbrief, you will receive roadside assistance if your battery is flat and will be towed to the nearest charging station.
What else you should know about our car insurance
You want comprehensive protection for your car according to your needs? gothaer car insurance just got even better.
Liability insurance does not cover damage to your own vehicle. Therefore, protect yourself against important risks related to your car with partial or fully comprehensive insurance. You are covered in the event of theft or fire, as well as in the event of self-inflicted accidents or damage caused by vandalism within the framework of fully comprehensive insurance.
gothaer auto insurance offers you the following variants of deductibles
- Partial cover options: no, 150 or 500 euro deductible
- Options fully comprehensive: none, 150, 300, 500 or 1.000 euro deductible
The gothaer schutzbrief
In the event of a breakdown, accident or theft at home or abroad, you need help fast.
You can reach us in germany at 0800 4464 000 and abroad at 0049 2218 277-555 – around the clock and all days of the week.
With the cover letter for your gothaer car insurance, we not only take care of the organization in the event of a claim, but also cover the costs to a certain extent, for example:
- Breakdown and accident assistance
- Towing and recovery costs
- Assistance in case of loss, defect or theft of the vehicle key (no assumption of the key costs) as well as assistance if the key is locked in the vehicle
- Short trips by cab or public transport
- vehicle return transport
- Vehicle immobilization
- Overnight stay
- onward or return journey by public transport or rental car
- Spare parts shipping
- return substitute driver*in the event of a driver breakdown
- Medical repatriation
Our multilingual service telephone is available around the clock for reporting claims under your car insurance policy.
- In the event of vehicle breakdown, arrangement of roadside assistance, towing and recovery services
- Emergency services (telephone interpreting services for contact with authorities, doctors)
- In the event of an accident or illness: organization of return medical transportation
- Name and arrangement of hotel accommodations and substitute vehicles
- Service in case of loss of valuables
- document service: assistance in obtaining a replacement passport and driver’s license
You have bought a car and are now asking yourself: what does car insurance actually cost?? Unfortunately, we cannot answer this question by naming a simple amount. Because there are many factors that affect how expensive car insurance is.
- First of all, you have to decide whether you want to insure your car with a fully or partially comprehensive insurance in addition to the legally obligatory liability insurance.
- Subsequently, the age of the car, the age of the users or the distance covered by the car (kilometers) also play a role, among other things.
Whether you want to pay your insurance premiums once a year or monthly is, of course, up to you. With gothaer car insurance, you benefit in every case from a bundled advantage and attractive premium discounts that can have a positive effect on your premiums and reduce costs!
Taking out car insurance online – simple and direct
Find out how affordable our excellent car insurance is with the gothaer online calculator. After just a few details, you can see the prices and benefits of three different product lines. Here’s how you can compare all our car insurance rates and choose the offer that suits you best. You can also book various additional modules. Take out your car insurance easily and securely online.
calculate car insurance without obligation& conclude directly online!
Car registration with electronic insurance confirmation
To register your vehicle, you must prove to the registration authority that the vehicle is covered by insurance by means of an electronic insurance confirmation (evb).
You can get evb in from your gothaer advisor or. your gothaer advisor – either in person or by SMS or e-mail. Alternatively, you can apply for evb easily and quickly online.
gothaer car insurance terms and conditions
Questions& car insurance answers
What does car insurance cost for new drivers??
Since novice drivers lack practice and experience, car insurance is usually more expensive for them than for experienced drivers. Therefore, depending on the provider*in the costs are quickly up to 1.000 euro per year.
In addition to driving experience, age also plays a role in calculating the premium for car insurance. The younger the driver, the higher the premium they have to pay.
But young drivers can reduce the premium payable if they insure the vehicle as a second car through their parents or if they take advantage of the family mobility options offered by some insurers. But also with a driver’s license from 17 years can save money. Many insurers reward the driving experience already acquired as soon as the novice driver insures his or her own vehicle as a first vehicle.
If the novice rider has already ridden a two-wheeler (motorcycle or scooter) that is subject to registration, this can also save money. You can then take over the no-claims bonus experienced with this contract for his car. This does not apply to two-wheelers that were insured with a moped license plate. It must be taken into account that the SF class for the motorcycle insurance is then lost due to the transfer.
You can also save money when choosing your first car if you select a vehicle with a low type class. because the vehicle model influences the insurance costs. The less damage caused by a vehicle model, the lower the repair costs that are incurred. With a vehicle model that has a favorable rating, costs can therefore be saved.
How will my second car be classified?
A classification as a second car is possible if the first car is already with the same provider or. insured with the same provider. As a rule, second cars are classified at least in the SF 1/2 category.
With some insurers, an even better rating is available under certain conditions (e.g. B. SF 6) possible. One of the prerequisites is that the second vehicle is registered to you or your spouse or partner (with some insurers also generally to a family member) in a domestic community. If you use both vehicles exclusively on your own – no other drivers – then some insurers will even classify the second vehicle in the same SF class as the first car.
With the second car classification, novice drivers can save money if it is insured by their mother, father or spouse.
When can you change a car insurance?
Car insurance can always be cancelled at the end of the insurance year with one month’s notice. With most insurers, this is on 31.12. of a year possible.
The deadline for receipt of the cancellation by the insurer in these cases is 30.11. One year. If no notice is given, the insurance contract is automatically renewed for one year. Besides this so-called "ordinary right of cancellation there are circumstances that give a "special right of cancellation" grant.
This includes a premium increase or even a claim. In the event of a premium increase, the insurer must notify you of the new premium one month before it takes effect. You will then have one month from the receipt of this notice to cancel the car insurance. In the event of cancellation as a result of a claim, please note that this is only possible if either the insurer has refused to accept the claim or if negotiations on compensation have been concluded. From this point on, you have the option to cancel within one month.
Am I also covered abroad with my car insurance??
With your motor liability insurance, you are covered in all european countries as well as in the non-European countries that belong to the area of application of the EU. Here, too, the amount of coverage agreed in the insurance contract for motor vehicle liability applies. Outside these areas, the insurance cover for motor vehicle liability insurance only applies if the country of travel is on the so-called "green card" is registered and not crossed out. Within the EU the "green card" is actually no longer necessary.
But it is advisable to carry it with you anyway and, if necessary. In some countries, the police still require this card to be presented. In comprehensive insurance, coverage is usually limited to the geographical area of europe. If the country you are traveling to is outside this area, you should contact your insurer in good time before the start of your trip and have the area of cover extended accordingly.
What are regional and type classes??
What you have to pay for car insurance depends on many factors. The calculation of the premium takes into account, among other things, where the vehicle is usually driven (regional class) and which vehicle model is used (type class). These two characteristics are taken into account in the calculation of premiums for both motor vehicle liability and comprehensive insurance.
The regional class takes into account the claims record in a particular region. In motor vehicle liability insurance, the regional class is influenced by the driving behavior of drivers in a registration district. In addition to the number and amount of claims, the number of vehicles registered in the registration district and the average amount of claims are also taken into account. Registration districts with a comparatively low average claim amount are classified in a low regional class and vice versa. In addition, comprehensive insurance also takes into account local peculiarities such as theft frequency, natural events (storm, hail, flooding) and wildlife accidents.
The type class takes into account the number of claims and accidents for each vehicle model registered in Germany. If there is comparatively little damage to a car model, it will be classified in a lower category. Conversely, you will be classified in a higher type class.
What car insurance is available?
There are various ways in which you can be covered by your car insurance policy. On the one hand, there is the motor vehicle liability insurance, which pays for damage caused to someone else with your vehicle. It is also a so-called compulsory insurance, which everyone who wants to register a vehicle must prove and maintain. In addition, there is also comprehensive insurance. Here you can decide whether you want to take out partial or fully comprehensive insurance. Partial comprehensive insurance covers elementary damage caused by storms, lightning, hail, floods and storms, as well as glass damage, collisions with animals, marten bites and other damage. Animal bite damage and also fire or. Vehicle theft. the fully comprehensive insurance also covers damages that you have caused yourself or. The damage caused by vandalism.
There is also passenger accident insurance and driver protection insurance. With passenger accident insurance, passengers are insured for a sum specified when the contract is concluded in the event of disability or death resulting from the use of the vehicle. The driver’s protection insurance pays out in the event of personal injury to the driver caused by an accident, or. The driver. It usually compensates for loss of earnings, pays a survivor’s pension or even pain and suffering – all provided that no one else is obligated to make the payments. What exactly the indemnification benefits look like depends on the offer of the respective insurer.
When is my car insured?
In principle, the insurance coverage begins with the payment of the initial premium. In car insurance, however, you already receive an electronic insurance confirmation number (evb) when you apply for insurance. Only with this evb is it possible to register the vehicle at the relevant registration office. This means that the provisional insurance cover in the motor vehicle liability insurance begins as soon as the vehicle is registered – i.e. before you have made a payment to the car insurance company.
When can I cancel my car insurance??
The car insurance usually has a term of one year and is extended by another year if it is not canceled one month before expiration. Most motor vehicle insurance policies expire on 31.12. One year. This means that the contracts must be signed no later than 30.11. can be terminated within one year. It is important that the cancellation is received by the insurer by this date. In certain cases there is also a special right of cancellation. These include a premium increase, damage or the sale of the vehicle. Important to know: when the vehicle is sold, the insurance contract does not end automatically, but is transferred to the buyer or the seller in accordance with legal requirements. The buyer via. Thus it is to be ensured that by a sale no vehicle without a motor vehicle liability insurance on the roads is on the way. Therefore, when the vehicle is sold, the car insurance can only be cancelled by the buyer or by the insurer. The sale of the vehicle must therefore always be reported to the insurer.
