Think about what you plan to take with you, what you need to ship and what coverage you need to help protect your stuff.
Cover more with Personal Property Plus.
This policy offers protection beyond what a renters policy covers.
It can help protect your sports equipment, bikes and e-bikes, and stuff you have with you while deployed. Plus, there's no deductible.
For more details, call us.
From within the U.S.: 800-531-8722
From within Germany: 0800-724-4196
Or, our European landline: 00-800-531-81110
Get covered before you move in 3 easy steps.
Steps to complete Get covered before you move in 3 easy steps.
Need to transfer an existing USAA policy?
We can get you a policy that helps protect you in Germany. We’ll make sure you don’t lose your coverage when you need it most.
Call the policy service number for your location to get started.
Get tips on safe driving in Germany to protect you and your car.
Germany overseas insurance FAQ
It depends on your vehicle registration type and German residency status. We may charge you a monthly Insurance Premium Tax on your auto insurance policy.
Refer to your declarations documents for details.
Your auto coverage
If you’re shipping your car, keep your overseas policy until it arrives. Then we can help you transfer your coverage to a stateside policy. You just need to USAA contact us page.
If you’re not taking your car, remove your name from the registration and your insurance papers from the car. After that, you can cancel the policy. You’ll need to pay a premium for any coverage you’ve received.
Your renters coverage
Keep your overseas policy while your stuff is in shipment. That way you still have protection for any covered losses on the way.
When you and your stuff are back in the U.S., we can help transfer your policy. When you’re ready, contact us.
Before you drive
- Most countries will require you to complete an accident report form. In your vehicle, you should carry a blank copy of the PDF of European Accident Statement Opens in a New Window.
- Many countries require you to have warning triangles, reflective vests and a first-aid kit in case of an accident. Check local driving regulations to find out more.
- Keep a copy of your green card handy as proof of insurance.
At the scene of the accident
- Dial 112 for emergency service in Europe. You may need to contact the police if there are injuries, you're in a hit-and-run, or the other party is uncooperative and at fault.
- Don't sign anything except the European Accident Statement. This lets each driver explain what happened but doesn't assign blame.
- Take pictures of the accident scene and damaged vehicles, including license plates. If possible, get the other driver’s name, driver’s license number, address and phone number. Also get the name of their insurance carrier, policy number and vehicle registration.
- Use a translation app to help communicate in the local language.
- In a one-car incident, find the owner of any damaged property to complete a report. If you can’t find them, leave a note at the scene and report it at the nearest police station.
Filing a claim after an accident
You can file a claim on the USAA Mobile App main page. Or you can file online USAA claims main page. As soon as possible, contact a USAA claims representative USAA contact us page.