German Phrase
Welche Versicherungen nimmst du?
Meaning
The sentence asks someone which types of insurance policies they have or intend to take out. It can refer to health, car, liability, home, or any other kind of insurance.
When to use
Use this question when you are discussing personal finance, comparing insurance options, or simply curious about a friend’s coverage. It works in both informal and semi‑formal settings.
✦Grammar Breakdown
WelcheVersicherungennimmstdu?
Welche (interrogative determiner)
‘Welche’ is the plural form of ‘welcher/welche/welches’ and agrees with the noun in gender, number, and case (here nominative plural).
Versicherungen (noun, plural)
‘Versicherungen’ is a feminine noun, plural, in the nominative case because it is the subject of the sentence.
nimmst (verb ‘nehmen’)
‘nimmst’ is the 2nd‑person singular present form of ‘nehmen’ (to take). In questions it occupies the second position (V2 word order).
du (personal pronoun)
‘du’ is the nominative 2nd‑person singular pronoun, placed after the verb in a yes/no or wh‑question.
Verb‑second (V2) rule
In German main clauses the finite verb is always the second constituent; the interrogative word ‘Welche’ occupies the first slot.
🗨In Conversation
Welche Versicherungen nimmst du?
Which insurances do you have?
Ich habe eine Haftpflicht‑, eine Kranken‑ und eine Kfz‑Versicherung.
I have a liability, a health, and a car insurance.
✕Common Mistakes
Welche Versicherung nimmst du?
Use the plural ‘Versicherungen’ when you expect more than one type of insurance.
Welche Versicherungen machst du?
‘machen’ is not used for taking out insurance; the correct verb is ‘nehmen’ or ‘abschließen’.
Welche Versicherungen nimmst du?
If you want a more formal tone, replace ‘du’ with ‘Sie’. The sentence becomes ‘Welche Versicherungen nehmen Sie?’
↔Alternatives
Welche Versicherungen hast du?
Which insurances do you have?
Welche Versicherungen bist du abgeschlossen?
Which insurances have you taken out?
Welche Versicherungen nutzt du?
Which insurances do you use?
Cultural Tip
In Germany it is common to have at least a private liability (Haftpflicht) and health insurance (Krankenversicherung). When asking about insurance, keep the tone friendly – people may consider financial matters private. If you need a more formal approach, you can say ‘Dürfte ich fragen, welche Versicherungen Sie abgeschlossen haben?’