Barmenia Motor third-party liability (Mtpl Basis Top Premium Schutz)

The insurer indemnifies the policyholder against liability claims for injury or death caused by use of the vehicle, under a combined sum insured of EUR 100 million for personal injury, property damage and financial loss, with personal injury limited to EUR 15 million per injured person.

The insurer indemnifies the policyholder against liability claims for damage to, destruction of, or loss of property (and pure financial loss) caused by use of the vehicle, up to the agreed sum insured stated in the individual policy schedule.

If liability claims against the policyholder are unfounded (wholly or as to amount), the insurer defends against them at its own cost as part of the mandatory MTPL cover; this applies identically in Basis-Schutz, Top-Schutz and Premium-Schutz.

Where the insurer has issued the International Insurance Card, MTPL cover extends to the non-European countries listed on it, as long as the country name is not struck through; scope of cover follows the legally required level in the country visited, but at least the level of the German contract.

Optional add-on (only if agreed and documented in the policy schedule) covering breakdown/accident assistance: towing and recovery organised by the insurer at unlimited cost (up to EUR 200 if self-arranged), overnight stays up to EUR 100/night for up to 3 nights, rental car up to EUR 85/day for up to 7 days (up to EUR 600 abroad for the trip home), key service up to EUR 120, plus medical repatriation, foreign-travel assistance and, for EVs, towing to the nearest charging station. Identical wording and limits apply in Basis-Schutz, Top-Schutz and Premium-Schutz.

Optional add-on (only for cars, only if agreed and documented in the policy schedule) covering personal injury suffered by the authorised driver in an accident, calculated as if a third party had caused the accident under German liability law; no pain-and-suffering (Schmerzensgeld) is paid. The benefit is capped at the personal-injury sum insured of the MTPL cover. Identical in all three tiers.