Well covered on every ride.

We'll find the perfect insurance for your car, motorcycle, or scooter. This way, you're reliably protected every day and on your travels, so you can fully focus on the joy of driving.

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Insurance Solutions for Your Vehicle

Private Car Insurance

Private car insurance protects you and your vehicle from the financial consequences of accidents, damage, or theft. It covers the costs if you cause an accident yourself or your car is damaged – depending on the tariff, with liability, partial comprehensive, or full comprehensive coverage. This way, you are always safe on the road and avoid unexpected expenses. We help you find the optimal insurance coverage for your vehicle.
Car liability insurance – protects you from claims for damages if you cause harm to others.
Partial comprehensive insurance – covers damage due to theft, glass breakage, collisions with animals, fire, or storm.
Full comprehensive insurance – additionally covers self-inflicted accident damage and vandalism.
Roadside assistance services – help with breakdowns, towing, or vehicle repatriation.
Customizable tariffs – choose the coverage that suits your vehicle and your needs.
Private car insurance offers you reliable protection if you have an accident on the road or your vehicle is damaged. Liability insurance covers costs if you cause damage to others, while partial comprehensive insurance protects you against theft, glass breakage, fire, storm, or collisions with animals. With full comprehensive insurance, you are additionally protected against self-inflicted accidents and vandalism. Furthermore, roadside assistance services provide quick help in case of a breakdown or towing. Thanks to individually customizable tariffs, you will find exactly the insurance coverage that suits you and your vehicle – we are happy to help you with that.

Commercial Car Insurance

Commercial car insurance reliably protects your company vehicle or fleet from financial losses. Whether it's an accident, theft, or vandalism – it covers the costs and ensures your operations remain mobile. Depending on your needs, you can combine liability, partial comprehensive, or full comprehensive coverage to optimally insure your vehicles. We help you find the suitable solution for your business – flexible, secure, and economical.
Comprehensive protection – coverage for accidents, theft, fire, glass breakage, or vandalism.
Liability, partial comprehensive, and full comprehensive coverage – individually combinable for every fleet.
Fleet solutions – attractive conditions for multiple company vehicles.
Fast claims processing – so your vehicles are quickly back in operation.
Flexible tariffs – adaptable to industry, usage, and company size.
Commercial car insurance offers reliable protection for your company vehicles – whether a single vehicle or an entire fleet. It financially secures you against accidents, theft, fire, glass breakage, or vandalism. With individually combinable liability, partial comprehensive, and full comprehensive tariffs, you can optimally tailor the insurance coverage to your business. Attractive fleet solutions ensure favorable conditions for multiple vehicles, and fast claims processing guarantees that your operations remain mobile. With flexible tariffs that are tailored to your industry and usage, we will find the perfect coverage for your business together.

Fleet Car Insurance

Fleet car insurance is the ideal solution for companies with multiple vehicles. Whether cars, vans, or trucks – a single policy efficiently and cost-effectively covers your entire vehicle fleet. It protects you from financial losses due to accidents, theft, or vandalism and offers flexible combinations of liability, partial comprehensive, and full comprehensive coverage. With uniform conditions and simple administration, you always maintain a clear overview. We help you find the optimal fleet solution for your business – tailored, transparent, and economical.
Centralized Coverage – one contract for all vehicles in your company.
Cost Advantages – attractive premiums by bundling vehicles under one policy.
Customizable Coverage – combinable third-party liability, partial, and comprehensive coverage.
Simple Administration – less paperwork through standardized regulations and billing.
Fast Claims Processing – so your fleet is quickly back in operation in the event of a claim.
Motor Fleet Insurance offers businesses with multiple vehicles efficient and cost-effective coverage. Instead of many individual contracts, a single central contract protects your entire fleet – whether it's cars, vans, or trucks. You benefit from attractive premiums by bundling vehicles and can individually combine coverage with third-party liability, partial, or comprehensive insurance. Thanks to simple administration and clear regulations, you save time and always maintain an overview. In the event of a claim, fast and unbureaucratic processing ensures that your vehicles are quickly back in operation. We help you find the optimal fleet solution for your company – flexible, transparent, and economical.

Machine Insurance

Machine Insurance protects your technical equipment and machinery from financial damage due to unforeseen events. Whether it's operating errors, short circuits, storms, vandalism, or material defects – it covers the repair costs or the replacement value of your machines. This ensures the operational readiness of your business and avoids costly downtime. We help you find the right insurance coverage for your machines – individual, comprehensive, and reliable.
Comprehensive Protection – coverage for damages due to operating errors, short circuits, storms, water, or vandalism.
Cost Coverage for Damages – replacement or repair of defective machinery and equipment.
Protection for Stationary and Mobile Machinery – whether it's a production facility or a construction vehicle.
Minimizing Downtime – fast assistance ensures smooth continued operation.
Individual Customization – sum insured and benefits tailored to your business.
Machine Insurance reliably protects your technical equipment and machinery from financial damage due to unforeseen events. Whether it's operating errors, short circuits, storms, water damage, or vandalism – in the event of a claim, it covers the costs for repair or replacement. It doesn't matter whether it's stationary production facilities or mobile machinery. This keeps your operations running and minimizes downtime. The insurance can be individually tailored to your requirements – from the sum insured to the service modules. We help you find the right protection for your business – so your machines run safely and your business continues to operate.

Premium Cars

Premium Car Insurance offers first-class protection for your high-value vehicle. Whether it's a luxury sedan, sports car, or classic car – it comprehensively covers you against theft, accidents, vandalism, and depreciation. With exclusive services, personalized support, and fast claims processing, you enjoy the security your vehicle deserves. We help you find the right premium protection – so your vehicle is optimally insured, and you can drive worry-free.
Exclusive All-Round Protection – comprehensive coverage for accidents, theft, vandalism, or natural disasters.
Value Protection Guarantee – reimbursement of the new or replacement value in case of total loss or theft.
Fast Claims Processing – priority handling and personal support in the event of a claim.
Premium Services – replacement vehicle, pick-up and drop-off service, or workshop of your choice.
Individual Tariffs – tailor-made insurance coverage for luxury vehicles and sports cars.
The Premium Cars Insurance offers you exclusive protection for your luxury vehicle – whether it's a sports car, limousine, or classic car. It comprehensively covers damages from accidents, theft, vandalism, or natural events and secures your vehicle's new or replacement value. In the event of a claim, you benefit from fast and preferential claims processing as well as personal support that meets your high standards. Additional premium services like a replacement vehicle, pick-up and drop-off service, or free choice of workshop ensure maximum comfort. With individually tailored tariffs, you receive exactly the protection your vehicle deserves – and we help you find the perfect coverage.

Still have questions? Speak with our experts now.

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4 Reasons to choose Klugversichert

01

Dedicated Contact Person

You get a dedicated contact person with us. No call center, no waiting.
02

Independent & Honest

We work independently and honestly tell you what makes sense.
03

Clear and simple

We speak plainly – no jargon, just genuine understanding.
04

Always by your side

Once your policy is active, we'll be there for any questions and in case of a claim.
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Customer Feedback

Our customers particularly value our clear advice, genuine support, and the reassuring feeling of being understood.
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Finally understood everything – in English.
"I had no idea about the German insurance system – and was completely overwhelmed. Klugversichert explained everything to me step-by-step, in English, patiently and clearly. Now I finally feel secure and well-covered – without language barriers."
– René S., Expat
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Fully there for me in an emergency.
"After an operation, I didn't know how to handle all the insurance matters – but Klugversichert took care of everything. I just had to send the invoices, the rest was easy. That's what real support feels like!"
– Manoj D., Expat
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Tailored insurance package for my business.
"I run a small business – and Klugversichert put together a perfectly tailored insurance package for me. Everything was simple, fast, and personal. Highly recommended!"
– Lukas U., Entrepreneur

Frequently Asked Questions

Why is insurance important for sports cars?

Sports cars and supercars like a Porsche 911 or a Lamborghini Huracán carry a higher risk:
- High engine power
- Expensive spare parts
- Higher repair costs
- Statistically more accidents involving high-performance vehicles

That's why premiums are significantly higher than for regular cars.

Which insurance do I absolutely need?

Liability insurance is mandatory, but not sufficient for such vehicles. Recommended:
- Comprehensive insurance (almost always sensible)
- Optional: Additional modules (e.g., new value compensation, GAP)

Especially for vehicles like the Ferrari 488 GTB, even a small damage can quickly become very expensive.

Are there special tariffs for sports cars?

Yes, many insurers offer special solutions for:
- Seasonal license plates
- Low-mileage drivers
- Garaged vehicles
- Second cars

For exclusive models like the McLaren 720S, individually calculated tariffs are often available instead of standard solutions.

What influences the premium the most?

The most important factors:
- Driver (age, experience, no-claims bonus class)
- Usage (daily vs. leisure vehicle)
- Parking location (garage vs. street)
- Regional class

Tip: Those who drive their vehicle infrequently and have good coverage can save significantly.

What should I definitely look out for?

For sports cars, it's not just the price that matters:
- Choice of independent or authorized workshop
- High coverage limits
- New value or purchase value compensation
- Coverage for special equipment

Especially for vehicles like the Audi R8, the right policy can make tens of thousands of Euros difference in the event of a claim.

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Are you unsure which insurance is right for you?

Our experienced team will advise you personally and find the right solution together with you.
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