UNIQA Motor third-party liability (Auto Und Frei Kfz Haftpflicht)

UNIQA covers the costs of defending unjustified compensation claims brought against the policyholder or co-insured persons; these defence costs are offset against the liability sum insured, not a separate limit. A standalone Fahrzeug-Rechtsschutz-Versicherung (motor legal protection, sum insured EUR 460,000) can be purchased separately for legal disputes such as claims enforcement, criminal defence, or driving licence disputes.

Coverage applies in Europe in the geographical sense and at least in the territory of the states party to the 30 May 2002 Multilateral Guarantee Agreement between National Insurance Bureaus (Green Card states). In countries where an International Motor Insurance Card (Green Card) is issued or its presentation waived, cover extends at least to the minimum scope legally required in that state.

24/7 European breakdown and accident assistance (towing, recovery, route planning, child recovery, medical repatriation, spare-parts shipping abroad and more). Included free of charge with the OPTIMAL (20 Mio.) and PREMIUM (30 Mio.) liability sums; selectable as a paid option with the KOMPAKT (10 Mio.) sum. Sub-limits include: breakdown/towing/recovery costs up to EUR 350 (up to EUR 500 for trucks up to 3.5t); accommodation costs of EUR 100 per person per night in case of vehicle breakdown, theft or total loss (at least 50 km from home); rental car costs of up to 7 days and EUR 70/day; pet accommodation after an accident up to EUR 500.

Optional add-on, selectable with any of the three liability tiers (KOMPAKT/OPTIMAL/PREMIUM). Pays regardless of fault for the authorised driver's personal injury sustained while driving the insured vehicle, whenever another party is not (fully) liable to pay compensation - including cases of the driver's own fault. Sum insured EUR 1 million; covers healing/nursing costs, maintenance claims, loss of earnings, household-help costs (up to EUR 50/day, max EUR 5,000 total), pain-and-suffering compensation after hospitalisation, accident-related home renovation costs (up to EUR 50,000), and funeral costs.