Vehicle insurance is naturally as compulsory for drivers in the Rhine Ruhr region as anywhere else.
In Germany, insurance coverage is not taken out on a personal basis, covering the vehicle rather than just the driver. While personal records and national averages influence policy prices, Interestingly, court decisions on discrimination caused policy changes concerning gender some time ago, leading to changing costs for some.
Policies vary widely in conditions and prices. Age of driver, safety history, estimated mileage that will be driven over the next few months, emissions, power and so on. Then there is the region in which the car or motorcycle is registered where the corresponding damage and theft rates are taken into consideration.