Germany

The connected community at the forefront of connected mobility protection.

Our AND-E German branch was founded in 2005, adding a new chapter to our longstanding presence in Germany since 1982.

From these early roots as a branch of the Chiyoda Fire and Marine Insurance Company, we’ve transformed into a dynamic and innovative insurance provider. Our portfolio spans a broad range of insurance products, tailored to cater to our diverse customer base. This includes motor insurance solutions for Toyota and Lexus customers, commercial fleet insurance, assistance for Japanese businesses in Germany, payment protection insurance through our subsidiary, AND-E Life, as well a number of white labels products for partners.

Our people

Cultivating excellence, nurturing careers.

Our commitment in Germany goes beyond business alone. As a purpose-driven, multi-award-winning employer, we empower our exceptional team members to thrive in their careers, make a meaningful impact for our customers, and be part of our journey going forward.

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Our products

Discover our range of insurance products and solutions, designed to protect our customers through every stage of their journey.

All products are underwritten by AND-E SE.

Payment protection insurance

Offered by our life insurance subsidiary, AND-E Life, our PPI products secure the payment obligations of bank customers in case of death, disability, and unemployment.

Protecting Japanese businesses in Germany

Tailored insurance services for Japanese corporations in Europe, combining dedicated customer care with bespoke commercial coverage.

OUR WHITE LABEL BRANDS

Motor third-party liability insurance

A mandatory requirement across all EU countries, it safeguards against financial liabilities by covering damages and injuries caused to third parties by the insured vehicle.

Comprehensive private motor insurance

Customers can choose between full and partial comprehensive cover and enhance protection with add-ons like accident and breakdown cover, motor legal expenses insurance, and overseas coverage. Additionally, our ‘Jung&Mobil’ solution offers fair insurance rates for young co-drivers

Purchase price protection

In the event of theft or total loss, it secures the purchase price of a new vehicle for three years, allowing drivers to switch to a new vehicle in case of a claim.

Total loss asset protection (GAP insurance)

It provides assistance in acquiring a replacement vehicle in the unfortunate event of a total loss or write-off.

Commercial motor fleet insurance

Comprehensive insurance solution tailored for fleets of all sizes, providing assistance with compliance, risk management, and expert accident support.

Usage-based insurance

Telematics-powered insurance product (Telematik Angebot) that adjusts premiums based on customers’ driving habits, promoting safer and more responsible driving, while reducing insurance costs.

Full-hybrid insurance

A product that rewards efficient driving by offering savings on premiums during the next renewal, based on the amount of driving in electric mode.

Used cars

Our claims service, backed by Toyota workshop warranty and exclusive use of Toyota genuine parts, ensures optimal value retention of our customers´ used cars.

Dealership multi-risk policies

Comprehensive coverage for car businesses, including commercial multi-peril, business liability, demo car, and general insurance (buildings, contents), as well as business interruption insurance.

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Motor third-party liability insurance

A mandatory requirement across all EU countries, it safeguards against financial liabilities by covering damages and injuries caused to third parties by the insured vehicle.

Comprehensive private motor insurance

Customers can choose between full and partial comprehensive cover and enhance protection with add-ons like accident and breakdown cover, motor legal expenses insurance, and overseas coverage.

Purchase price protection

In the event of theft or total loss, it secures the purchase price of a new vehicle for three years, allowing drivers to switch to a new vehicle in case of a claim.

Total loss asset protection (GAP insurance)

It provides assistance in acquiring a replacement vehicle in the unfortunate event of a total loss or write-off.

Usage-based insurance

Telematics-powered insurance product (Telematik Angebot) that adjusts premiums based on customers’ driving habits, promoting safer and more responsible driving, while reducing insurance costs.

Full-hybrid insurance

A product that rewards efficient driving by offering savings on premiums during the next renewal, based on the amount of driving in electric mode.

Used cars

Our claims service, backed by Lexus workshop warranty and exclusive use of Lexus genuine parts, ensures optimal value retention of our customers´ used cars.

Dealership multi-risk policies

Comprehensive coverage for car businesses, including commercial multi-peril, business liability, demo car, and general insurance (buildings, contents), as well as business interruption insurance.

Learn more

Commercial motor insurance

Customised for KINTO One business clients, we provide a comprehensive suite of insurance solutions for leased vehicles.

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Motor third-party liability insurance

A mandatory requirement across all EU countries, it safeguards against financial liabilities by covering damages and injuries caused to third parties by the insured vehicle.

Comprehensive private motor insurance

Customers can choose between full and partial comprehensive cover and enhance protection with add-ons like accident and breakdown cover, motor legal expenses insurance, and overseas coverage. Additionally, our ‘Jung&Mobil’ solution offers fair insurance rates for young co-drivers.

Purchase price protection

In the event of theft or total loss, it secures the purchase price of a new vehicle for three years, allowing drivers to switch to a new vehicle in case of a claim.

Total loss asset protection (GAP insurance

It provides assistance in acquiring a replacement vehicle in the unfortunate event of a total loss or write-off.

Dealership multi-risk policies

Comprehensive coverage for car businesses, including commercial multi-peril, business liability, demo car, and general insurance (buildings, contents), as well as business interruption insurance.

Learn more

Motor third-party liability insurance

A mandatory requirement across all EU countries, it safeguards against financial liabilities by covering damages and injuries caused to third parties by the insured vehicle.

Comprehensive private motor insurance

Customers can choose between full and partial comprehensive cover and enhance protection with add-ons like accident and breakdown cover, motor legal expenses insurance, and overseas coverage. Additionally, our ‘Jung&Mobil’ solution offers fair insurance rates for young co-drivers.

Purchase price protection

In the event of theft or total loss, it secures the purchase price of a new vehicle for three years, allowing drivers to switch to a new vehicle in case of a claim.

Total loss asset protection (GAP insurance)

It provides assistance in acquiring a replacement vehicle in the unfortunate event of a total loss or write-off.

Dealership multi-risk policies

Comprehensive coverage for car businesses, including commercial multi-peril, business liability, demo car, and general insurance (buildings, contents), as well as business interruption insurance.

Learn more

Motor third-party liability insurance

A mandatory requirement across all EU countries, it safeguards against financial liabilities by covering damages and injuries caused to third parties by the insured vehicle.

Comprehensive private motor insurance

Customers can choose between full and partial comprehensive cover and enhance protection with add-ons like accident and breakdown cover, motor legal expenses insurance, and overseas coverage. Additionally, our ‘Jung&Mobil’ solution offers fair insurance rates for young co-drivers.

Purchase price protection

In the event of theft or total loss, it secures the purchase price of a new vehicle for three years, allowing drivers to switch to a new vehicle in case of a claim.

Total loss asset protection (GAP insurance)

It provides assistance in acquiring a replacement vehicle in the unfortunate event of a total loss or write-off.

Dealership multi-risk policies

Comprehensive coverage for car businesses, including commercial multi-peril, business liability, demo car, and general insurance (buildings, contents), as well as business interruption insurance.

Learn more

Motor third-party liability insurance

A mandatory requirement across all EU countries, it safeguards against financial liabilities by covering damages and injuries caused to third parties by the insured vehicle.

Comprehensive private motor insurance

Customers can choose between full and partial comprehensive cover and enhance protection with add-ons like accident and breakdown cover, motor legal expenses insurance, and overseas coverage. Additionally, our ‘Jung&Mobil’ solution offers fair insurance rates for young co-drivers.

Total loss asset protection (GAP insurance)

It provides assistance in acquiring a replacement vehicle in the unfortunate event of a total loss or write-off.

Dealership multi-risk policies

Comprehensive coverage for car businesses, including commercial multi-peril, business liability, demo car, and general insurance (buildings, contents), as well as business interruption insurance.

Learn more

Motor third-party liability insurance

A mandatory requirement across all EU countries, it safeguards against financial liabilities by covering damages and injuries caused to third parties by the insured vehicle.

Comprehensive private motor insurance

Customers can choose between full and partial comprehensive cover and enhance protection with add-ons like accident and breakdown cover, motor legal expenses insurance, and overseas coverage. Additionally, our ‘Jung&Mobil’ solution offers fair insurance rates for young co-drivers.

Purchase price protection

In the event of theft or total loss, it secures the purchase price of a new vehicle for three years, allowing drivers to switch to a new vehicle in case of a claim.

Total loss asset protection (GAP insurance)

It provides assistance in acquiring a replacement vehicle in the unfortunate event of a total loss or write-off.

Dealership multi-risk policies

Comprehensive coverage for car businesses, including commercial multi-peril, business liability, demo car, and general insurance (buildings, contents), as well as business interruption insurance.

Learn more

Awards

Welcome to our award-winning journey

At AND-E, we take pride in our commitment to our customers, our people, and excellence in industry leadership. Our dedication has not gone unnoticed, and we are proud to showcase the recognition we've earned along the way.  

Explore our awards section to see the recognition that reflects our team's passion, and the outstanding contributions that set us apart.

AUTOHAUS VersicherungsMonitor 2023

Our subsidiary, Toyota Insurance Management, proudly remains Germany's leading manufacturer-affiliated car insurance provider for the 13th consecutive year.

ISO 9001:2015

Our commitment to delivering best-in-class products and services for our customers and partners is backed by our ISO certification, certified by Lloyd's Register, underscoring our unwavering dedication to consistent quality.

Leading Employer Germany 2024

Celebrating our third consecutive year as a Leading Employer in Germany, an honour bestowed upon the top 1% of German employers. This achievement is the result of our exceptional workplace, high employee satisfaction, environmental commitment, and more.

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Kununu award

Kununu 'Top Company 2024'

Honoured with the 'Top Company Award 2024' by Kununu, Europe's largest employer-rating platform. Our recognition is derived from exceptional employee ratings and satisfaction, placing us in the top 5% of companies that meet the award's criteria.

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Kununu and Freundin 'Most family-friendly employer 2023'

Based on employee ratings on Kununu, Europe's largest employer-rating platform, this award acknowledges our commitment to our people, especially in the realms of work-life balance, benefits, flexible work arrangements, and more.

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Ready to join an award-winning company?

Explore our vacancies in Germany.

Careers Germany

Connected community partnerships

Discover how we collaborate with like-minded organisations to create a lasting impact on our people, customers, partners, and the communities around us.

Diversity Charter 'Charta der Vielfalt':

We proudly endorse the Diversity Charter, a testament to our unwavering commitment to nurturing a diverse and inclusive culture in Germany. Discover how we embrace diversity and make it an integral part of our organisation.

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Aktion Baum – Planting trees for the planet

In partnership with Aktion Baum, we´re cultivating the AND-E Forest, our contribution to a greener, more sustainable planet through tree planting initiatives. Join us in our journey to environmental responsibility.

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Hektar Nektar - Save the Bees

Through PROJECT 2028, we're actively engaged in saving honeybees from extinction in Germany. Dive into our initiatives to protect these vital pollinators and promote environmental sustainability.

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Key Links
Toyota Germany Toyota Insurance Services Germany Autosan Autosan Customer Portal Toyota Kreditbank KINTO

For inquiries, feedback or to submit a complaint, please contact us here.

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