Liability insurance is a must-have for everyone. If you accidentally cause damage to someone else, things can get costly without it. Protecting yourself beforehand is super easy with wefox.

When you change your current policy to Liability Switch from wefox, you save 5% compared to your previous insurer.

With your Switch rate, you get at least the same benefits as with your current insurance coverage. Sometimes even better. The rate remains the same for 3 years.

We take care of the cancellation and processing the contract. This way, you get the best rate while you sit back and relax.

Choose “green insurance” and donate your switch bonus in the amount of 5% to climate protection projects.

Be safe on the road, no matter where you are. You can access your all-around protection from wefox at any time from your smart phone.

It pays to switch. With our Switch rate, we give you 5% off the current premium. You get excellent benefits and enjoy first-rate service. That’s just one example of how you benefit.

Still have questions? No problem. You can find answers here.

Your search has ended. Discover our FAQs.

Protect yourself when something goes wrong.

Our wefox experts will give you personal advice, no obligation.

Liability? Doesn’t have to be complicated.

Here are some things to consider when deciding if you should report a claim or not:

- Was anyone injured?
- Did you damage 

 else's property or vehicle?
- Is it unsafe to live in your home or drive your car?
- Are the damages above your deductible?

If you answered 

 to one or more of these questions, you should consider filing a claim.


When should I report a claim?

you log into the website (link on the upper right side) and follow the steps requested.

you download/open your wefox App on your smartphone and follow the steps requested (you can download the wefoy App in the links enabled on the right of this section).


You can reach out to us by email anytime as well: claims@wefox.de

Just for 

claims: You can reach us by telephone too at 

How do I file a claim with wefox Insurance?

If you have concluded further contracts with other insurers (e.g. ARAG, Axa, Allianz, etc.) via wefox, please contact your broker or the insurance company directly. This will speed up the processing.

If you’re not sure which company is your insurance provider, please email us to 

. We’ll process your request directly then. However, please note this will take a little more time. We therefore ask you kindly to be patient with us.

How do I file claims concerning other insurers, means not wefox Insurance AG?

If a wefox customer caused a damage to your car or property, please send an email to us with details to 

Your information: name, address and phone number.

Details of the wefox customer: name, address, contract number and car license plate.

Claim details: date and location of the event, description and images of the damage.

Our claims team will review your claim and will get back to you shortly.


What do I do if a wefox customer has damaged my car or my property?

A deductible is an amount of money that you are responsible for paying toward an insured loss.
 
You're responsible for your policy's stated deductible every time you file a claim. After you pay the car deductible amount, your insurer will cover the remaining cost to repair or replace your vehicle.



 
If you have a €500 deductible and €2,000 in damage from a covered accident, your insurer will pay €1,500 to repair your car, and you'll be responsible for the remaining €500.

How do car insurance deductibles work?

If your auto insurance deductible is higher than the cost of the damage to your vehicle, you'll pay for the entire cost out of pocket as the insurer only covers damages above your deductible amount. In these cases, you may not need to file a claim.

 
Your car repairs only amount to €500 and your deductible is €1,000. You'll pay for all the repairs out of pocket because the cost is lower than your deductible amount.

What if my car insurance deductible costs more than my repairs?

wefox is a digital insurer. We’re redefining insurance by making it simple, convenient, and trustworthy.

What is wefox?

The wefox App is free for all wefox Insurance customers. Step by step instructions are sent with your new wefox Insurance policy; just click the link in the email in your confirmation mail, download the app, set up your individual password – and you’re done!

How do I sign up for the wefox App?

wefox Insurance customers can access their policy documents 24/7 via the document center in their wefox App.

Where can I find my wefox Insurance policy documents?

Your wefox App makes it easy to update your personal data, make changes to your wefox Insurance policies, including cancellations, or change payment methods with a few clicks.

How can I change my contact, account or address data in the wefox App?

Ask your broker if they offer wefox Insurance or schedule an appointment with a wefox exclusive advisor by clicking ‘Get advice’ in the header right on top of our website. You can also find us on most of the best comparison sites.

How can I buy wefox Insurance products?

Do you still have third-party contracts with other insurers that you have concluded via wefox and/or you can no longer log into the former wefox App? Don't worry: Just send us an email at 

. 

Our wefox Service Team will help you quickly and unbureaucratically. They are exactly the right contact persons for your request.

I can't access the former wefox App & my third-party contracts. Who do I contact?

Now you see the next possible cancellation date

Done! Your policy cancellation to the next possible date was successful

How can I cancel my wefox Insurance policies?

If you cause an accident but don't damage your car, you won't pay a deductible. In this scenario, your liability coverage would pay for the other driver's injuries and property damage, which doesn't carry a deductible. However, if your vehicle is damaged in the accident and you decide to file a collision claim, then you would pay your collision deductible.

Do I pay a deductible if I damaged a car?

Glass damage to the car is usually caused by falling rocks. If you have partially comprehensive coverage, then you should be covered for auto glass repair, including a full windshield replacement. The defective part (windshield, headlight, mirror) will be repaired or replaced.


If a glass breakage is caused by yourself or as a result of vandalism / hit-and-run, only fully comprehensive insurance applies.

: You shouldn't wait too long after the damage occurs to report a glass claim, and the claim should be filed before any repairs take place. The longer you wait to get your windshield or window fixed, the more likely the chip or crack will spread.

Does car insurance cover windshield damage?

If your windshield breaks, you should file a claim as soon as possible and before any repairs are made. If the damage occurs while you're driving, pull over as soon as you can, and report your claim immediately.


If your windshield gets chipped or cracked, you should file a comprehensive claim as soon as you can, and before you proceed with repairs.

 You shouldn't wait too long after the damage occurs to file a glass claim, and the claim should be filed before any repairs take place. The longer you wait to get your windshield or window fixed, the more likely the chip or crack will spread.

What should I do if I have a broken windshield?

Over time, assets (cars, equipment, buildings) lose value due to age, wear and tear, or obsolescence. The amount that the asset decreases in value from the original value to its current value is referred to as depreciation.

What is depreciation?

A term for the fact that an insurance contract for the same person already exists or existed with the same or another insurance company.

What exactly is meant by pre-insurance? 

The longer a policyholder drives without a claim, the higher his no-claims bonus, expressed by the SF class. Driving license regulation possible (SF ½). Prerequisite driving license possession of at least 3 years.

What is a no-claims class?

The Switch Rate is a special rate in our company. We take the premium and benefit of the previous insurance and reduce the annual premium by 5%.

The following benefits are included: free choice of workshop, open driver circle, accompanied driving, a premium guarantee of 3 years (applies to rate premium adjustment.)

What is a Switch Rate? 

An eVB is the official abbreviation for electronic insurance confirmation. The eVB was introduced in 2008 as part of the Vehicle Registration Ordinance (FZV). As of this date, insurers were obliged to transmit the insurance confirmation electronically to the registration authorities. This is required when the policyholder moves or registers a vehicle.

What is an eVB?

Requests can only be submitted/offers can just be provided by our affiliated brokers, exclusive brokers, and through the wefox Insurance Portal.

How to submit a request for insurance?

The International Road Traffic Insurance Card – also known as the Green Insurance Card – is part of an international, predominantly European system that allows you to drive to other countries with your country of origin's third-party motor insurance without having to purchase additional insurance coverage under your national law. This can also be printed on paper.

What is the Green Insurance Card (Green Card)?

Just cars in private use (wagon number 112).

What do we cover with the car insurance?

Possible only for Comfort and Comfort+ rates. Not possible for the Switch Rates.

How can I change the rates?  

How can I remove partial Casco SB or full Casco SB?

Possible to cancel your contract after the end of a whole insurance year, after completion of claim settlement, 14 days after having received the first documents, 30 days after adjustment of benefits/premium/special termination, after deregistration through the registration office (decommissioning).

When can I cancel my contract?

The 2nd car regulation is possible (maximum SF4), the first car does not have to be insured with wefox. But then a proof of the second car regulation is required.

What does the 2nd car regulation look like?

Your bank account could not proceed with the payment, the SEPA direct debit mandate is blocked or there is already a credit.

Why has wefox not purchased my premium? 

I have transferred the premium to wefox already.

Has wefox received my transfer? 

Please always state the correct reason for payment (Verwendungszweck) and the insurance number, which is important for internal processing.

Inhaber: 
wefox Insurance AG
Bank: UBS Europe SE
IBAN: DE39 5022 0085 1092 5800 18
BIC: SMHBDEFFXXX

Strasse: 
Bockenheimer Landstrasse 2-460306 Frankfurt am Main
Deutschland

Verwendungszweck: (Contract Number)

The reason for payment is your policy Number (6 signs).

How do I pay my premium to wefox correctly?

Currently, we just offer the usage of Direct Debit and Credit Card. 

Which payment methods are possible? 

Anyone who lives in Germany, is over 18 years old, owns a permanently occupied house and has not had more than one claim in the last 5 years.

Who can purchase the homeowner insurance?

Multi-family buildings are excluded from our protection because separate protection requirements are prescribed by law for owners.

Are there certain buildings that can't be insured?

The sum insured depends on the value of the building. However, some tariffs also have fixed sums insured that depend on the tariff coverage.

How much is the sum insured?

No documents are required to take out the insurance.

What documents are necessary to purchase this insurance?

This depends on the claim. As a rule, you should contact us in the event of damage before you repair anything. We will then take care of the rest.

Is there a deductible in case of damage?

We’re all about benefits. Our global team offers you:

Flexible working hours and hybrid working.

Free access to a platform for mental health and well-being. Personalised support, including one-on-one coaching and therapy, for all aspects of your life, whether private or professional.

Innovative tools and technologies –  they’re all waiting for you.

Great opportunities! We foster talent wherever we find it and help career changers get ahead through individual development, training and coaching programmes.

Coffee creations, soft drinks, fruit and plenty of snacks, all free of charge and ready to be grabbed.

We’re active in eight countries, and each location has its own additional benefits. One of our TA partners will be happy to tell you more during your interview.

What benefits do wefox employees enjoy? 

Your work-life balance is important to us. With our cross-site work models, you’ll get the flexibility you need.

 
(Germany – for external consultants and external sales staff). 
You decide where to work. You only need to come to the office when your team lead or manager asks you to do so.


(Germany, Spain and France – Data, Tech, Product, Finance, Legal, Marketing, Global Ops, Insurance, People, Staff & Strategy). 
You come to the office at least once a week (but no more than three days a week).

 
(Austria and Germany, BW24 and Call Centre). 
Your workplace is in the office. Of course, you can work from home occasionally – just talk to your team lead.

What work models exist at wefox?

As an insurtech company, our team uses following technologies: Spring Cloud, AWS, PostgreSQL, Kafka, MongoDB, Github Actions, Kubernetes, Terraform and many more.

What technologies does wefox use?

wefox operates in eight European countries:

Where can I work with wefox?

Applying for a job with wefox is easy. You can either head straight to our 

 and get in touch with our Talent Acquisition Team if you are looking for a suitable vacancy or have questions about a position.

How do I apply?

3, 2, 1 – done? It really is as simple as that.


Have you proactively applied for a job or been contacted by one of our recruiters? Feel free to fire all your questions at us during our first call. Your TA partner is looking forward to getting to know you.

In a second interview, either on site or online, you’ll meet your potential supervisor and learn more about the team and your specific tasks.


Time to get active: you’ll get a chance to showcase your skills by solving a sample task. In return, we’ll give you extensive feedback and you’ll find out if this is the right challenge for you.


Meet the team. In a cultural-fit call, you’ll get to know your potential colleagues.

You want it. We want it. It’s a done thing. We’ll offer you a contract, and all you need to do is sign.

Hurrah! You’ll be starting soon. Our onboarding process ensures that you’ll have a pleasant landing.

Depending on the requirements of your specific position, this may involve several rounds of talks. Your TA partner will tell you all the details in advance.

How is the recruitment process structured?

wefox makes all the difference, because …

We combine cutting-edge technology and innovation with passion and enthusiasm.

We blend the advantages of start-up culture with the stability of an established company.

Ambitious newcomers meet experienced industry experts.

Our team is composed of people from more than 50 countries, so we live and breathe diversity.

We value your creativity and give you plenty of freedom to bring your own ideas to life.

At wefox, we have a hands-on mentality! You’ll be part of the insurtech revolution from your very first day.

What makes wefox special as an employer? 

wefox is a B2B2C company that has been active since 2015.

To our end clients, we provide innovative solutions for all their insurance needs by being their insurance advisor, insurer and broker all in one.

What exactly is it that wefox does?

In what departments can I work?

Our vibes are just right! These are our values – the fundamental elements of our wefox DNA:

Liability.
Made by wefox.

Be on the safe side when damage occurs.

Liability? Doesn’t have to be complicated.

1.

Set up a free of charge review meeting.

2.

Our wefox experts will give you personal advice, no obligation.

3.

You select the rate that suits you best.

Liability Switch. Safe is a good choice.

5% Switch bonus

Three year status quo guarantee*

Switching is easy

Your search has ended. Discover our FAQs.

How do I sign up for the wefox App?

How can I buy wefox Insurance products?

What is a Switch Rate?

Liability.Made by wefox.

Be on the safe side when damage occurs.

Liability? Doesn’t have to be complicated.

1.

Set up a free of charge review meeting.

2.

Our wefox experts will give you personal advice, no obligation.

3.

You select the rate that suits you best.

Liability Switch. Safe is a good choice.

5% Switch bonus

Three year status quo guarantee*

Switching is easy

Your search has ended. Discover our FAQs.

How do I sign up for the wefox App?

How can I buy wefox Insurance products?

What is a Switch Rate?

Liability.
Made by wefox.