AXA Neuenhagen John-Paul Karwecki Insurance in Germany

Deciding to live, work, or run a business in Germany comes with new responsibilities

The German insurance system differs significantly from many other countries and is based on clear legal regulations. Having the right insurance coverage is not just a formality – it is essential for financial security and peace of mind.

As an experienced insurance advisor in Germany, we offer comprehensive support and clear guidance – explained in a transparent and easy-to-understand way.

Why insurance in Germany is so important

In Germany, several types of insurance are mandatory or strongly recommended. One of the most important examples is health insurance, which has been compulsory since 2009 for everyone living in Germany. Without valid health insurance, individuals may face high medical costs and administrative difficulties.

We offer both statutory (public) and private health insurance, individually tailored to your professional status, personal situation, and financial needs.

Vehicle insurance in Germany

To register a car in Germany, proof of valid motor insurance is required. Without this confirmation, vehicle registration is not possible.

We provide all categories of motor insurance, including:

• car insurance
• motorcycle insurance
• classic car insurance (oldtimer & youngtimer)
• commercial and utility vehicles

We help you choose the right insurance solution in compliance with German regulations.

Our approach – personal, transparent, and reliable

Every client’s situation is unique. That is why we focus on individual insurance advice and solutions tailored to real needs – for both private clients and businesses operating in Germany.

We explain differences between insurance options, clarify contract terms, and support you throughout the entire process – from selecting coverage to ongoing assistance.

Our range of insurance services in Germany

We offer a wide range of insurance solutions, including:

• individual insurance advice for private and business clients
• car, motorcycle, oldtimer and youngtimer insurance
• home and household insurance
• life insurance
• dental insurance
• legal expenses insurance
• accident insurance
• public and private health insurance
• personal liability insurance
• business liability insurance

Advice in English – no language barriers

Insurance matters can be complex, especially in a foreign language. That is why we offer professional insurance advice in English, helping you avoid misunderstandings and costly mistakes.