Motor vehicle liability insurance is required by law. It covers damage caused to other persons by your vehicle or the defence against unjustified claims for damages against you as the vehicle owner. The sum insured (€15 million) applies to cover for personal injury and property damage as well as financial losses.

Legal information by telephone on legal issues relating to police and administrative penalties, accidents, claims and breakdowns as well as traffic law.

This cover includes on-site assistance (example: towing, mobility assistance up to 50 km, information service) in the event of an accident or breakdown of your vehicle.

For electric vehicles only:
Transport to the nearest charging station if your car runs out of power.

If agreed in the insurance certificate:

you and your passengers will receive benefits without complications if permanent disability (EUR 100,000) or death (EUR 20,000) occurs in the event of an accident - without lengthy negotiations on the question of fault.

Covers damage to the vehicle caused by forces of nature (e.g. lightning, landslides, avalanches, hail, floods, storms, etc.)

Covers damage to the vehicle due to fire, explosion and scorch damage

For electric vehicles only:

• Covers damage to your charging accessories (charging cables, wallboxes, adapters) in the event of fire, explosion and scorch damage.
• Covers damage to your battery in the event of fire, explosion and scorch damage.

Covers damage to the vehicle due to animal damage (example: animal bites and collision with an animal)

This cover extends on-site assistance (example: towing, mobility assistance up to 100 km, replacement vehicle service, overnight accommodation costs) in the event of an accident or breakdown of your vehicle.

Covers the insured vehicle and its parts stored in or attached to the locked vehicle in the event of damage, destruction or loss due to theft, robbery or unauthorised use by third parties.

Covers all breakage damage to any type of glass.

Covers damage, destruction or loss caused by wilful and malicious acts by third parties and collisions caused by unknown vehicles to the parked vehicle.

Damage to your vehicle, even in accidents caused by yourself

Only for electric vehicles:

• Covers damage to your charging accessories (charging cables, wallboxes, adapters) in the event of accidental damage.
• Covers damage to your battery in the event of accidental damage.

The following applies to leased vehicles, regardless of their initial registration: If your leased vehicle is a total loss, you will receive the cancellation value from the leasing contract. This will only be used as the basis for our compensation payment if it exceeds the replacement value at the time of the insured event. The following applies to other vehicles if they were first registered less than six months ago when the insurance was taken out: If your vehicle is totalled or stolen within the first 24 months of first registration, you will receive 100% of the purchase price you paid for the vehicle. Proof of the purchase price is provided by the purchase invoice. You should therefore keep this in a safe place.