Vehicle liability insurance covers property damage, financial loss and personal injury caused by your vehicle to others: for example, damage to other vehicles or things (such as a road that becomes dirty due to the escape of engine oil), but not damage to your own vehicle. This is only covered by comprehensive insurance.
Insured are vehicle owner, driver, policyholder, owner and passengers. The motor vehicle liability insurance also protects against unjustified claims for damages against you as the owner of the vehicle.
The sum covered is the maximum amount your car insurance pays in the event of a claim.
Any costs incurred beyond this must be borne by you.
It therefore makes sense not to rely exclusively on the legally prescribed minimum amount of cover.
The start date of the contract period and coverage are stated in your insurance policy. These data are valid as long as the payment of the first insurance premium has been made on time and in full.
By issuing an insurance certificate, you can ensure that the insurance cover begins before the policy is sent, so that your vehicle can be registered for road traffic immediately.
For example, if you:
your motor vehicle liability insurance will cover the compensation for the victims of the accident, but will demand these costs (at least in part) from you by way of recourse. This right of recovery is limited to €22,000. If you have not paid your premium on time and the contract is therefore out of cover, you must expect to have to reimburse the entire costs.
If the contract concludes with a minimum term of one year, it is automatically renewed for a further year unless it is terminated in writing by the end of the month at the latest, observing the period of notice (in vehicle liability insurance: 1 month).
As a result of a claim, you can also cancel the vehicle liability insurance without giving reasons.
If the vehicle is sold, the buyer can terminate the contract immediately (usually the date of deregistration of the vehicle).
In contrast to the basic cover of vehicle liability insurance, kasko insurance is taken out on a voluntary basis.
It insures - depending on the chosen package and level of protection - against damage, destruction and loss of the vehicle as a result of natural forces (e.g. B. hail, rockfall, flooding), third-party fault (theft, vandalism or parking damage), exposure to animals (such as bites or collisions), fire, explosion or scorching damage, and glass breakage.
Within the scope of the fully comprehensive MAX package, you are also insured for the case of personal injury - even if this was caused by gross negligence.
For example, if you:
then you can face coverage limitations (i.e. reduction of the benefit by the agreed deductible) or the partial or complete loss of insurance cover.
If your vehicle is immobilized by deregistration or deposit of licence plates, the comprehensive insurance is limited to the garage risk: this means that from this moment on, only insured events occurring inside the garage or on the vehicle parking space are covered. For this we grant you a corresponding premium discount. Important:
Please do not forget to notify us immediately of the lifting of a shutdown!