Allianz Motor third-party liability (Kfz Haftpflichtversicherung)
Underwritten by Allianz Versicherungs-AG · Germany
motor third-party liability insurance from Allianz for the Germany market, with online purchase and 24/7 assistance.
Last verified Aug 27, 2026Sources
Key facts
- Allianz
- Starting price: €99per yearAs published by the insurer — it does not say who the price is for
Unique selling points
Allianz pays up to €100 million for property damage, far above the statutory minimum of €1.22 million.
Bodily injury claims are covered up to €15 million per person, double the statutory minimum of €7.5 million.
The optional RabattSchutz add-on keeps the no-claims class unchanged after one at-fault claim per year.
The Premium Schutzbrief roadside assistance offers doorstep breakdown help with an unlimited number of claims per year.
Focus Money awarded Allianz's motor insurance a "Sehr gut" rating for the fairest price-performance ratio.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€15M
Legal Defence (Passive)
No limit stated
Not confirmed for this specific Allianz Versicherungs-AG product in the reviewed sources.
International Insurance Card (Green Card)
Covered
European coverage applies automatically; for countries outside the EU, the International Insurance Card (Green Card) is required.
Roadside Assistance (Schutzbrief)
Optional
The Premium Schutzbrief can be added for a fee and provides breakdown assistance from the doorstep, towing, replacement car and overnight-stay costs with an unlimited number of claims per year.
Driver Accident Protection (Fahrerschutz)
Optional
An optional add-on that covers the driver's own bodily-injury damages (rehabilitation, pain and suffering, loss of earnings) from a self-caused accident, which the base liability policy does not cover for the driver.
Key conditions
Driver restrictions
The policy assumes private, non-commercial vehicle use; commercial use, racing, or driving without the required license voids or restricts cover, and separate commercial policies are required for business use.
Claim notification deadline
The policyholder must report any claim within one week of becoming aware of it; failure to disclose material facts may reduce or deny coverage.
Bonus-malus rules
Premiums follow the German no-claims class (Schadenfreiheitsklasse) system; with the optional RabattSchutz add-on the no-claims class remains unchanged after one at-fault liability or comprehensive claim per insurance year.
Territorial scope
Coverage applies within the geographic boundaries of Europe and in the non-European territories of the European Union.
Documents
Policy specifics
Liability Coverage Limits
Motor Third-Party Liability Insurance covers third-party claims up to specified policy limits
SourceGeographical Coverage Scope
Coverage applies within European geographic boundaries and may extend beyond EU with international insurance card
SourceVehicle Use Restrictions
Private non-commercial vehicle use is the standard condition for standard MTPL policies
SourcePolicyholder Disclosure and Claims Obligation
Policyholder must disclose all relevant information at contract inception and report claims within specified timeframe
SourceMandatory Requirement in Germany
Motor Third-Party Liability Insurance is legally mandatory for all registered motor vehicles in Germany
SourceSources
Allianz Motor third-party liability