Confused by German insurance? Get a free review from Getsafe
Arriving in Germany and suddenly finding yourself in the middle of a German conversation about Versicherung (insurance) is more common than you might expect. A bicycle accident that’s no one’s fault suddenly leads to the question “Haben Sie eine Haftpflichtversicherung?” (“Do you have liability insurance?”).
New arrivals in that situation often freeze; would you know how to answer that question, or even what Haftpflichtversicherung meant? Feeling bewildered by the barrage of unfamiliar insurance terms and forms is a top complaint from expats in Germany.
The German insurance maze
Germany’s culture of insurance can be a shock. It’s often called the most insured country in the world, with people taking out coverage for everything from household items to pets. As a German insurtech company, Getsafe knows that almost every German has an insurance story to tell, and that means that newcomers are often urged to buy at least basic liability and home contents insurance as soon as they arrive. For an expat just learning the ropes, this can feel like drowning in information. How much insurance is enough? Or too much?
Book a free, comprehensive review of your insurance needs with Getsafe
Worse still, crucial information is usually only available in German. A new arrival to Germany may have lots of questions, but insurance websites, leaflets and forms in German become just an extra hurdle to overcome. Every insurance brochure or claim form can involve pages of fine print, none of which is easy to translate, even for people who have been learning German for years.
Even once you've taken out your policies, that lack of clarity through the process can leave you worrying that you're either over-insured (paying for policies one doesn’t need) or under-insured (missing something important). Without clear guidance, expats can end up uncertain about whether their coverage truly fits their life.
Insurance suited to expats
Fortunately, there is help designed just for expats. Getsafe offers a free 360° insurance check. This is a comprehensive review of all your policies, together with personalised guidance in English from insurance experts. Through this review, the team can pinpoint gaps or overlaps in your coverage and recommend exactly what you need, and nothing you don’t.
Everything about Getsafe is built for convenience. It’s fully digital: you can compare, buy and manage policies on your smartphone. Everything can be done via the app, from taking out an insurance policy and managing your paperwork to making and tracking a claim. You can even file a claim at any time of day or night.
Policies taken out via Getsafe are highly flexible; you can cancel at any time with no extra fees. And because the supporting documents and customer service are all available in English, you never have to guess what a contract actually says.
Why expats love Getsafe
Getsafe has already helped over half a million expats in Germany sort out their insurance. Here's why they are so popular:
- 360° insurance check: A full review of your existing coverage with an English-speaking expert.
- Fully digital convenience: Manage quotes, policies and claims in the app - with 24/7 claims and flexible cancellations.
- English-language support: Customer service and policy documents are all in English, so there’s no language barrier.
- Tailored coverage: Mix and match the policies you need. Getsafe’s experts recommend only what fits your life, helping you avoid paying for unnecessary cover.
By the end of this process, what felt like a maze can start to feel straightforward. You can finally see clearly what you are covered for and what you aren’t, without any guesswork. If you’ve felt puzzled by German insurance, Getsafe can help turn confusion into confidence.
Ready to take the guesswork out of insurance? Learn more about Getsafe or book your free 360° insurance check today.