this post was submitted on 31 May 2025
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It's more like if you drive too fast you're not insured. Oh, by the way, road works, 80km/h. Aaaand you're free again! Have f- oh no, roadworks again, 80 pls. Ok done. Now you can really hit the gas! Joke, roadworks again haha, 80! Finally done, now we promise we don't have roadworks anymore, enjoy! Aaaand welcome to the Netherlands, 100 please.
I explicitly asked my insurance company (verbally, not a chatbot) about this last time I went to Germany. They said as long as I'm not breaking any laws, my insurance is valid. No speed limit means there is no "too fast to be insured".
I believe it only counts for German insurance companies. As it's their country with no speed limit, so it's a standard extra risk. When you go abroad to Germany your own insurance doesn't have these high risks because it's not all their customers driving on these roads. But that's what I think, I'm not sure but it sounds logic to me.
Nah I think this is a misunderstanding. I've never seen insurance conditions that stipulate a general speed limit. But what does happen is that if you're in a high-speed accident, police may assign part of the blame to you for driving in a reckless manner, and that may result in a reduced or no payout.
This is what chatgpt says:
Insurance and Liability Considerations
While exceeding the recommended speed is not illegal, it can affect liability in the event of an accident:
Increased Liability: If you're involved in an accident while driving over 130 km/h, you may be held partially liable, even if the other party is primarily at fault. This is because higher speeds are associated with increased operational risk.
Insurance Implications: Your insurance coverage may still apply, but the insurer could reduce compensation if it's determined that your excessive speed contributed to the accident's severity.
Can you ask it for sources?
Here is the chatgpt conversation.
Link 1 Link 2 Link 3 Link 4 Link 5 Wiki link 1 Wiki link 2 Single case link
The rest are Reddit and Facebook links, so I won't post them.