FAQ
GENERAL INQUIRIES
Does my insurance cover me while my car/motorcycle is being shipped?
Yes, depending on the effective date of your currently active coverage.
If your policy has been started on or after September 15th, 2022, or later, the international transport of your insured vehicle between locations in the insured area (according to your International Insurance Card) and overseas territories including the USA is co-insured. The insurance cover is subsidiary; other existing covers take precedence over this cover. An excess of USD 250 is deemed to have been agreed. The marine insurance coverage is for vehicles registered in Germany only.
If your policy has been started before September 15th, 2022, your insurance only covers your vehicle while it is registered in Germany. As soon as you ship your vehicle, this insurance is void. When you ship your vehicle, you should get covered with MARINE INSURANCE.
Related Links:
Marine Insurance Quote Request Form
Where can I get my proof of insurance?
Contact us via our contact form or email us directly.
If you need proof of insurance to be sent to your financing company (lienholder), please send us a message with the subject line „proof of insurance“ through our contact form.
Related Links:
Contact Form
Which type of coverage is mandatory for vehicle insurance in Germany?
Legal Liability is the minimum coverage required by law.
Legal Liability covers damages to others caused by you. If you would like to cover damage to your own vehicle, you should choose partial comprehensive or full coverage.
Related Links:
Car Quote Request
Where can I find a MIRASCON agent near my duty station?
Check out our "Find A Local Agent" Section
MIRASCON offices and partners are situated close to the major military bases, including Ansbach, Baumholder, Ramstein and Vilseck. Use the Find a Local Agent page to find your nearest agent, including their location, opening hours, and contact details.
Related Links:
Local Agents Map
Who is allowed to drive my vehicle?
People over the age of 18 with a USAREUR driver's license.
If you have registered your POV with USAREUR, any person over the age of 18 who has a valid USAREUR driver’s license is allowed to drive your vehicle with your permission.
If you have registered your POV in the German system, any person who has a valid international driver’s license is allowed to drive your vehicle with your permission.
What do I need to register my vehicle with USAREUR in Germany?
Cecklist: ID, (USAREUR) driver's license, proof of insurance and proof of ownership
U.S. military personnel, DoD civilians and eligible family members stationed in Germany generally register privately owned vehicles through the U.S. Forces Registry of Motor Vehicles. Required documents can include a valid U.S. Forces Certificate of License, the vehicle-registration application, proof of ownership, proof of insurance, a safety-inspection report, identification and, for an initial registration, a copy of your orders. Requirements can vary by individual circumstances.
Related Links:
Vehicle Registration in Germany
I am PCSing to Germany. When should I arrange car insurance?
The sooner you have insurance in place, the better. Effective dates can be in the future.
You should arrange your vehicle insurance before completing the U.S. Forces vehicle-registration process in Germany because proof of insurance is one of the required registration documents. Once you know which vehicle you will register, you can request a MIRASCON quote and prepare the other documents required for registration.
Related Links:
Vehicle Registration in Germany
Do I need a USAREUR driver's license to drive in Germany?
Yes, generally speaking, you do need a USAREUR driver's license.
U.S. service members, DoD civilians and eligible family members stationed in Germany under SOFA generally need a U.S. Forces Certificate of License—commonly referred to as a USAREUR driver's license—to operate a privately owned vehicle under the U.S. Forces registration system. You must also hold a valid U.S. state driver's license.
Related Links:
Vehicle Registration in Germany
What coverage does MIRASCON offer for cars in Germany?
MIRASCON's German auto-insurance quote process includes mandatory legal liability insurance as well as optional comprehensive and collision coverage. Comprehensive coverage can cover risks such as theft, broken windshields and natural hazards, while collision coverage addresses damage to your own vehicle under the applicable policy conditions.
Related Links:
Car Quote Request Germany
Does a financed vehicle need full coverage?
Yes, if there's a lien on your car, you need the full (collision) coverage.
MIRASCON's current German auto-insurance quote process states that vehicles financed by a bank require comprehensive and collision coverage. If your vehicle has a lien, you should provide the relevant financing information when requesting your quote.
Related Links:
Car Quote Request Germany
What is an International Insurance Card and when do I need one?
It's your proof of insurance for driving outside of the country your car is registered in.
The International Insurance Card provides proof of your vehicle's insurance coverage when travelling outside Germany in covered countries. MIRASCON customers can request the card online before travelling and should check the listed countries and any policy-specific restrictions before their trip.
Related Links:
Int. Insurance Card Request
What are the terms and conditions of my Motor Vehicle Insurance?
In order to check your insurance coverage and to obtain further information, please consult the attached general conditions of insurance, which you would have received by email with your policy.
Related Links:
Liability (Underwriter Volkswohl Bund) (valid for contracts effective as per September 15th, 2022, or later, Germany)
Liability (Underwriter Volkswohl Bund) (valid for contracts effective as per November 19th, 2018 until September 14th, 2022, Germany), excluding A A.2
Full Coverage (Underwriter Lloyd’s) (valid for contracts effective as per October 15th, 2024, or later, EEA)
Full Coverage (Underwriter Lloyd’s) (valid for contracts effective as per November 19th, 2018 until October 14th, 2024, EEA)
Liability and Full Coverage (Underwriter Volkswohl Bund) (valid for contracts effective before November 19th, 2018, Germany)
PAYMENTS
Which payment methods are available?
We accept


Am I required to continue making payments on my vehicle insurance while I am on leave?
You are required to continue paying your insurance premium even during periods of leave.
Why are you still debiting my account even though I have cancelled my policy?
You have to send your de-registration form/certificate, shipping papers or your junking papers by email to contact@mirascon.com or by fax to: +49 221 925 488 66.
Once we have received this information, we will cancel your contract as of the respective date. Please provide your current address, email address, and German bank details. This will allow us to refund any overpayment.
Additionally, please contact your bank and cancel your recurring payment order/ standing payment order to the insurance company (Volkswohl-Bund).
