{"id":15691,"date":"2024-12-04T15:01:14","date_gmt":"2024-12-04T15:01:14","guid":{"rendered":"https:\/\/transfergo.wpengine.com\/cele-3-tipuri-de-asigurare-auto-in-germania-raspunderea-civila-obligatorie-si-cele-mai-bune-tarife-de-asigurare"},"modified":"2026-04-20T19:01:07","modified_gmt":"2026-04-20T19:01:07","slug":"tipuri-de-asigurare-auto-germania","status":"publish","type":"post","link":"https:\/\/wpvip.tgalpha.com\/ro\/tipuri-de-asigurare-auto-germania","title":{"rendered":"Tipurile de asigurare auto \u00een Germania, r\u0103spunderea civil\u0103 obligatorie \u0219i cele mai bune tarife de asigurare"},"content":{"rendered":"\n<p>Nu \u0219tii cum s\u0103 alegi tipul de asigurare auto \u00een Germania? A\u021bi ajuns \u00een Germania cu ma\u0219ina personal\u0103 \u0219i inten\u021biona\u021bi s\u0103 v-o p\u0103stra\u021bi \u0219i folosi\u021bi acolo? Urmeaz\u0103 s\u0103 achizi\u021biona\u021bi un autovehicul chiar de pe pia\u021ba german\u0103? Munci\u021bi ca \u0219ofer \u00een Germania?&nbsp;<\/p>\n\n\n\n<p>\u00cen oricare dintre aceste situa\u021bii, ave\u021bi nevoie s\u0103 \u0219ti\u021bi cum v\u0103 \u00eenmatricula\u021bi, \u0219i mai ales, cum v\u0103 asigura\u0163i autovehiculul \u00een cele mai bune condi\u021bii \u0219i la cel mai bun pre\u021b.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Cuprins<\/h2><nav><ul><li class=\"\"><a href=\"#este-valabila-asigurarea-mea-auto-in-germania\">Este valabil\u0103 asigurarea mea auto \u00een Germania?<\/a><\/li><li class=\"\"><a href=\"#ce-trebuie-sa-ave\u021bi-in-vedere-atunci-cand-alege\u021bi-o-poli\u021ba-rca\">Ce trebuie s\u0103 ave\u021bi \u00een vedere atunci c\u00e2nd alege\u021bi o poli\u021b\u0103 RCA<\/a><\/li><li class=\"\"><a href=\"#ce-tipuri-de-asigurare-auto-exista\">Ce tipuri de asigurare auto exist\u0103?<\/a><\/li><li class=\"\"><a href=\"#cat-costa-asigurarea-auto-in-germania\">C\u00e2t costa asigurarea auto \u00een Germania?<\/a><\/li><li class=\"\"><a href=\"#cel-mai-bun-comparator-de-tarife-de-asigurare-auto\">Cel mai bun comparator de tarife de asigurare auto \u00een Germania \u00a0<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"este-valabila-asigurarea-mea-auto-in-germania\">Este valabil\u0103 asigurarea mea auto \u00een Germania?<\/h2>\n\n\n\n<p>Pentru a \u00eenmatricula o ma\u0219in\u0103 \u00een Germania, este obligatoriu s\u0103 \u00eencheia\u021bi o <strong>asigurare auto de r\u0103spundere civil\u0103 (Kfz-Haftpflichtversicherung)<\/strong>. F\u0103r\u0103 aceasta, autorit\u0103\u021bile de \u00eenmatriculare (Zulassungsstelle) nu pot finaliza procesul.<\/p>\n\n\n\n<p>Este important de \u0219tiut c\u0103, \u00een practic\u0103, <strong>nu pute\u021bi \u00eenmatricula un vehicul \u00een Germania folosind o poli\u021b\u0103 emis\u0103 \u00een alt\u0103 \u021bar\u0103<\/strong>. Pentru \u00eenmatriculare, ave\u021bi nevoie de un cod electronic de confirmare a asigur\u0103rii (eVB-Nummer), emis de un asigur\u0103tor autorizat \u00een Germania.<\/p>\n\n\n\n<p>O poli\u021b\u0103 auto emis\u0103 \u00eentr-un alt stat (de exemplu, din Rom\u00e2nia) poate fi valabil\u0103 <strong>doar temporar<\/strong>, de regul\u0103 pentru deplas\u0103ri sau \u0219ederi pe termen scurt (prin sistemul Carte Verde). Dac\u0103 v\u0103 stabili\u021bi \u00een Germania \u0219i trebuie s\u0103 re\u00eenmatricula\u021bi ma\u0219ina, va fi necesar s\u0103 \u00eencheia\u021bi o asigurare auto german\u0103.<\/p>\n\n\n\n<p><strong>SFAT:<\/strong> Dac\u0103 v\u0103 muta\u021bi \u00een Germania, este util s\u0103 contacta\u021bi asigur\u0103torul actual pentru a verifica dac\u0103 poli\u021ba este valabil\u0103 temporar pe teritoriul Germaniei. Totu\u0219i, pentru \u00eenmatriculare, va trebui s\u0103 \u00eencheia\u021bi o poli\u021b\u0103 nou\u0103 \u00een Germania.<\/p>\n\n\n\n<p>Informa\u021bii oficiale despre sistemul Carte Verde pot fi g\u0103site la:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-large-font-size\">Pagin\u0103 web a Biroului na\u021bional Carte Verde \u00een Germania (Deutsches B\u00fcro Gr\u00fcne Karte e.V.) : <a href=\"https:\/\/gruene-karte.de\" target=\"_blank\" rel=\"noopener\">gruene-karte.de<\/a>, telefon +49 30 2020 5757 \u0219i email dbgk[at]gruene-karte.de<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"576\" width=\"1024\" src=\"https:\/\/wpvip.tgalpha.com\/ro\/wp-content\/uploads\/2021\/02\/tipuri-de-asigurare-auto-germania-1024x576.jpg\" alt=\"\" class=\"wp-image-166687\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ce-trebuie-sa-ave\u021bi-in-vedere-atunci-cand-alege\u021bi-o-poli\u021ba-rca\">Ce trebuie s\u0103 ave\u021bi \u00een vedere atunci c\u00e2nd alege\u021bi o poli\u021b\u0103 RCA<\/h2>\n\n\n\n<p>Acestea sunt caracteristicile de baz\u0103 pe care va sf\u0103tuim s\u0103 verifica\u021bi c\u0103 asigurarea pe care o \u00eencheia\u021bi le are:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-large-font-size\">suma de acoperire a daunelor c\u00e2t mai mare;<\/li>\n\n\n\n<li class=\"has-large-font-size\">aria de acoperire a asigur\u0103rii cel pu\u021bin toat\u0103 Europa;<\/li>\n\n\n\n<li class=\"has-large-font-size\">\u201epoli\u021ba Mallorca\u201d: ma\u0219inile \u00eenchiriate \u00een str\u0103in\u0103tate vor fi de asemenea asigurate;<\/li>\n\n\n\n<li class=\"has-large-font-size\">acoper\u0103 daune cauzate de mu\u0219c\u0103turile animalelor (de exemplu cablurile deteriorate de c\u0103tre jderi, e o normalitate \u00een Germania);<\/li>\n\n\n\n<li class=\"has-large-font-size\">coasigurarea daunelor aduse mediului.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"576\" width=\"1024\" src=\"https:\/\/wpvip.tgalpha.com\/ro\/wp-content\/uploads\/2024\/01\/Tipurile-de-asigurare-auto-in-Germania-raspunderea-civila-obligatorie-si-cele-mai-bune-tarife-de-asigurare-1024x576.jpg\" alt=\"\" class=\"wp-image-52820\"\/><\/figure>\n\n\n\n<p><em>\u0218tim c\u0103 mutarea \u00eentr-o alt\u0103 \u021bar\u0103 vine cu multe eforturi financiare. Mai ales la \u00eenceput de drum, ai nevoie de economii. De multe ori, economiile se termin\u0103 foarte repede. \u0218i atunci, ai nevoie de ceva&nbsp;<\/em><a href=\"https:\/\/wpvip.tgalpha.com\/ro\/termeni-cheie-de-transferuri-de-bani-explicati-simplu\"><em>bani<\/em><\/a><em>&nbsp;\u00een ajutor. Po\u021bi realiza&nbsp;<\/em><a href=\"https:\/\/transfergo.ro\/\" target=\"_blank\" rel=\"noreferrer noopener\"><em>transfer de bani online<\/em><\/a><em>&nbsp;rapid \u0219i sigur, f\u0103r\u0103 taxe de transfer de zeci de euro cu TransferGo.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ce-tipuri-de-asigurare-auto-exista\">Ce tipuri de asigurare auto exist\u0103?<\/h2>\n\n\n\n<p><strong>Asigurare auto obligatorie RCA (Kfz-Haft\u00adpflicht\u00adversicherung)<\/strong>: Asigurarea auto \u00een Germania (Kfz-Haftpflichtversicherung) este obligatorie pentru to\u021bi de\u021bin\u0103torii unui automobil.<\/p>\n\n\n\n<p>\u00cen cazul producerii de pagube \u00een urma unui accident rutier, asupra propriet\u0103\u021bii sau s\u0103n\u0103t\u0103\u021bii unei persoane ter\u021be, asigurarea de r\u0103spundere civil\u0103 auto va prelua examinarea \u0219i solu\u021bionarea crean\u021belor pe care a treia persoan\u0103 le va face \u00eempotriva dumneavoastr\u0103.<\/p>\n\n\n\n<p>Asigurarea auto va pl\u0103ti, de exemplu, nu numai daunele provocate unui vehicul ter\u021b cu care v-a\u021bi tamponat, dar \u0219i costurile de tratament pentru persoanele care sunt r\u0103nite \u00eentr-un accident cu vehiculul dumneavoastr\u0103.<\/p>\n\n\n\n<p>Asigurarea auto de r\u0103spundere civil\u0103 \u00een Germania acoper\u0103:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-large-font-size\">daune materiale asupra propriet\u0103\u021bii persoanelor ter\u021be;<\/li>\n\n\n\n<li class=\"has-large-font-size\">daune de s\u0103n\u0103tate, provocate unor persoane implicate \u00eentr-un accident provocat de dumneavoastr\u0103;<\/li>\n\n\n\n<li class=\"has-large-font-size\">posibile pierderi financiare, din cauza v\u0103t\u0103m\u0103rilor corporale sau daunelor materiale provocate de accidentul auto.<\/li>\n<\/ul>\n\n\n\n<p><strong>Asigurare CASCO par\u021bial\u0103 \u0219i total\u0103 (Teil -und Vollkaskoversicherung)<\/strong>: Cu o asigurare CASCO acoperi\u021bi daunele provocate propriului automobil.&nbsp;<\/p>\n\n\n\n<p>Asigurarea auto CASCO par\u021bial\u0103 (Teilkaskoversicherung) acoper\u0103 costurile de repara\u021bie sau \u00eenlocuire a ma\u0219inii dumneavoastr\u0103 dac\u0103 aceast\u0103 este deteriorat\u0103 ori distrus\u0103 \u00een situa\u021bie de:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-large-font-size\">incendiu, fulger, explozie (Brand, Blitzschlag, Explosion);<\/li>\n\n\n\n<li class=\"has-large-font-size\">furtun\u0103, grindin\u0103, inunda\u021bie (Sturm, Hagel, \u00dcberschwemmung);<\/li>\n\n\n\n<li class=\"has-large-font-size\">stric\u0103ciuni provocate de animalele s\u0103lbatice (Haarwildschaden);<\/li>\n\n\n\n<li class=\"has-large-font-size\">pietre \u00een parbriz (Steinschlag);<\/li>\n\n\n\n<li class=\"has-large-font-size\">furtul automobilului sau daune provocate prin furtul pieselor auto (Teil- oder Komplettdiebstahl des Fahrzeugs inklusive Sch\u00e4den durch Einbruch);<\/li>\n\n\n\n<li class=\"has-large-font-size\">deterior\u0103ri cauzate de mu\u0219c\u0103turile animalelor, inclusiv daune ulterioare, de exemplu deterioararea cablurilor produse de mu\u0219c\u0103turile jderilor (Sch\u00e4den durch Tierbisse inklusive Folgesch\u00e4den (z. B. Mardersch\u00e4den)).<\/li>\n<\/ul>\n\n\n\n<p>\u00cen cazul \u00een care automobilul este avariat, asigurarea CASCO par\u021bial\u0103 va pl\u0103ti costurile necesare pentru repara\u021bii p\u00e2n\u0103 la suma valorii de \u00eenlocuire a ma\u0219inii.&nbsp;<\/p>\n\n\n\n<p>\u00cen cazul unei daune totale, distrugerii sau pierderii ma\u0219inii, asigurarea va pl\u0103ti valoarea de \u00eenlocuire (Wiederbeschaffungswert). Valoarea de \u00eenlocuire este pre\u021bul pe care ar fi trebuit s\u0103 \u00eel pl\u0103ti\u021bi pentru a cump\u0103r\u0103 un vehicul uzat de aceea\u0219i valoare, \u00een ziua producerii pierderii.<\/p>\n\n\n\n<p>Asigurarea complet\u0103 \u00een CASCO (Vollkaskoversicherung) include adesea asigurarea par\u021bial\u0103 \u0219i acoper\u0103, \u00een plus, costul stric\u0103ciunile provocate chiar de c\u0103tre dumneavoastr\u0103 ori de c\u0103tre un necunoscut (cum ar fi, spre exemplu, stricarea vopselei)<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-large-font-size\">Platfroma <em>dieversicherer.de<\/em> ofer\u0103 informa\u021bii detaliate despre toate tipurile de asigurare auto: merge\u021bi pe pagin\u0103 web <a href=\"https:\/\/dieversicherer.de\/versicherer\" target=\"_blank\" rel=\"noopener\">dieversicherer.de\/versicherer<\/a>, la sec\u021biunile Auto &amp; Reise\/ Kfz-Haft\u00adpflicht\u00adver\u00ad\u0219i\u00adche\u00adrung, respectiv -Voll- und Teil\u00adkas\u00adko\u00adver\u00ad\u0219i\u00adche\u00adrung<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"576\" width=\"1024\" src=\"https:\/\/wpvip.tgalpha.com\/ro\/wp-content\/uploads\/2024\/01\/Tipurile-de-asigurare-auto-in-Germania-raspunderea-civila-obligatorie-si-cele-mai-bune-tarife-de-asigurare-1-1024x576.jpg\" alt=\"\" class=\"wp-image-52831\"\/><\/figure>\n\n\n\n<p><em>Mai \u0219tim c\u0103 cei dragi \u00ee\u021bi sunt mereu aproape la \u00eenceput de drum. C\u0103 sunt l\u00e2ng\u0103 tine. Uneori, ai nevoie de sprijin un pic mai mult dec\u00e2t ai crezut. \u0218i atunci e important s\u0103 po\u021bi s\u0103 prime\u0219ti \u0219i face <\/em><a href=\"https:\/\/transfergo.ro\/\" target=\"_blank\" rel=\"noreferrer noopener\"><em>transfer de bani<\/em><\/a><em>&nbsp;foarte rapid \u0219i f\u0103r\u0103 costuri mari. F\u0103-\u021bi cont <a href=\"https:\/\/transfergo.ro\" target=\"_blank\" rel=\"noopener\">TransferGo<\/a> acum \u0219i fii linistit!<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cat-costa-asigurarea-auto-in-germania\">C\u00e2t costa asigurarea auto \u00een Germania? <\/h2>\n\n\n\n<p>Valoarea contribu\u021biei asigur\u0103rii auto este determinat\u0103 de tipul acesteia. \u00cen general, se calculeaz\u0103 pe baza mai multor factori diferi\u021bi. Doi dintre factori sunt v\u00e2rsta asiguratului \u0219i vechimea permisului de conducere.&nbsp;<\/p>\n\n\n\n<p>De asemenea, conteaz\u0103 unde este \u00eencheiat\u0103 asigurarea \u0219i pentru ce fel de vehicul. Cu c\u00e2t cresc \u0219ansele ca vehiculul s\u0103 fie parte \u00een accidente de ma\u0219in\u0103, cu at\u00e2t vor cre\u0219te tarifele. \u00cen plus, conteaz\u0103 regiunea \u00een care tr\u0103i\u021bi (de exemplu, ora\u0219 sau provincie). Totodat\u0103, tarifele scad dup\u0103 fiecare an lipsit de accidente.<\/p>\n\n\n\n<p>Conform legii, suma minim\u0103 de asigurare \u00een cazul daunelor materiale este de 1 milion de euro. Asigurarea auto este \u00een principiu un contract pe un an \u0219i se sub\u00een\u021belege c\u0103 este prelungit automat.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cel-mai-bun-comparator-de-tarife-de-asigurare-auto\">Cel mai bun comparator de tarife de asigurare auto \u00een Germania &nbsp;<\/h2>\n\n\n\n<p>Pentru a g\u0103si cea mai bun\u0103 ofert\u0103 de asigurare auto \u00een Germania, este recomandat s\u0103 compara\u021bi mai multe op\u021biuni folosind platforme online specializate. Acestea v\u0103 permit s\u0103 vede\u021bi rapid diferen\u021bele de pre\u021b \u0219i acoperire \u00eentre diferi\u021bi asiguratori.<\/p>\n\n\n\n<p>Printre cele mai populare platforme se num\u0103r\u0103: Check24, Verivox \u0219i Tarifcheck. Aceste platforme ofer\u0103 calculatoare de tarife unde pute\u021bi introduce date despre vehicul \u0219i \u0219ofer pentru a primi oferte personalizate.<\/p>\n\n\n\n<p><strong>Important:<\/strong><br>Nu toate ofertele disponibile pe pia\u021b\u0103 apar pe o singur\u0103 platform\u0103, de aceea este recomandat s\u0103 verifica\u021bi cel pu\u021bin dou\u0103 surse sau s\u0103 consulta\u021bi direct asiguratori.<\/p>\n\n\n\n<p>Dac\u0103 prefera\u021bi ghiduri \u00een limba rom\u00e2n\u0103, exist\u0103 \u0219i resurse care explic\u0103 procesul, \u00eens\u0103 completarea formularelor \u00een german\u0103 sau englez\u0103 este, \u00een general, simpl\u0103.\u00a0<\/p>\n\n\n\n<p>O traducere \u00een limba rom\u00e2n\u0103, pas cu pas, a acestui calculator\/ comparator g\u0103si\u021bi pe platforma <a href=\"http:\/\/asigurareingermania.ro\" target=\"_blank\" rel=\"noreferrer noopener\">asigurareingermania.ro<\/a>, aici: <a href=\"https:\/\/asigurareingermania.ro\/calculator-asigurare-auto\/\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/asigurareingermania.ro\/calculator-asigurare-auto\/<\/a><\/p>\n\n\n\n<p>Vrei s\u0103 afli mai multe despre ce trebuie s\u0103 \u0219tii ca \u0219ofer \u00een Germania? Click <a href=\"https:\/\/wpvip.tgalpha.com\/ro\/blog\/sofer-germania-achizitia-si-inmatricularea-masinii\/\">aici<\/a>!<\/p>\n\n\n\n<p>Drum bun, \u00een siguran\u021b\u0103!<\/p>\n\n\n\n<p>Cite\u0219te \u0219i <a href=\"https:\/\/wpvip.tgalpha.com\/ro\/chiria-in-germania-si-drepturile-chiriasilor\">Despre chiria \u00een Germania \u0219i care sunt drepturile chiria\u0219ilor<\/a>.<\/p>\n\n\n\n<p><em>La final, dac\u0103 \u021bi-a prins bine articolul \u0219i ai aflat ceva folositor din el, d\u0103-l mai departe printr-un share pe <\/em><a href=\"https:\/\/www.facebook.com\/transfergo.romania\" target=\"_blank\" rel=\"noreferrer noopener\"><em>Facebook<\/em><\/a>&nbsp;<em>\u0219i WhatsApp, sau orice alt mijloc de social media pe care-l folose\u0219ti.<\/em><\/p>\n\n\n\n<p>Spor la bani de la noi de la&nbsp;<strong>TransferGo<\/strong>!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Afl\u0103 tot ce trebuie s\u0103 \u0219tii despre \u00eenmatricularea \u0219i asigurarea auto \u00een Germania pentru a-\u021bi proteja autovehiculul \u00een mod corespunz\u0103tor.<\/p>\n","protected":false},"author":1,"featured_media":15692,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1322],"tags":[],"business_case_studies_tags":[],"class_list":["post-15691","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-viata-in-strainatate"],"jetpack_featured_media_url":"https:\/\/wpvip.tgalpha.com\/wp-content\/uploads\/2022\/11\/CDL-commercie\u0308le-Driver.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/15691","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/comments?post=15691"}],"version-history":[{"count":3,"href":"https:\/\/wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/15691\/revisions"}],"predecessor-version":[{"id":1301082,"href":"https:\/\/wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/15691\/revisions\/1301082"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/media\/15692"}],"wp:attachment":[{"href":"https:\/\/wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/media?parent=15691"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/categories?post=15691"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/tags?post=15691"},{"taxonomy":"business_case_studies_tags","embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/business_case_studies_tags?post=15691"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}