BarmeniaGothaer Motor third-party liability (Kfz Haftpflicht Privat)
Underwritten by Gothaer Allgemeine Versicherung AG · Germany
motor third-party liability insurance from BarmeniaGothaer for the Germany market, with online purchase and 24/7 assistance.
Verified Aug 27, 2026 · Terms dated 2023-07Sources
Unique selling points
Foreign Damage Protection tops up compensation to German legal standards whenever a foreign country's liability law would otherwise pay the policyholder less.
Pure electric vehicles receive an automatic 5% premium discount and hybrids 2.5%, applied to both the liability and comprehensive components.
The optional Fahrerschutz add-on compensates the driver's own personal injury as a liability insurer would, up to EUR 15 million per claim.
The Tarif Privat covers damage caused by the policyholder's own gross negligence and includes a Mallorca policy for EU rental cars as standard, benefits that are often sold as separate add-ons elsewhere.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€100M
Legal Defence Against Unjustified Claims
Covered
The insurer defends unjustified third-party claims, including claims that are unjustified only as to amount, at its own cost, and is authorised to make all declarations it deems appropriate on the policyholder's behalf.
Green Card / International Insurance Card
Covered
Where issued, the international insurance card extends the liability cover to the non-European countries listed on it, as long as the country name has not been struck through; scope of cover follows the minimum legally required in the country visited.
Roadside Assistance (Gothaer-Schutzbrief)
Optional
A separate, legally independent add-on contract that can only be taken together with the Kfz-Haftpflichtversicherung for the same vehicle; provides service or cost reimbursement for breakdown, accident, theft, driver incapacity and related travel needs (e.g. roadside repair and towing are paid in full when organised by the insurer; otherwise up to EUR 110 for roadside repair and EUR 160 for towing).
Section: A.3 Gothaer-Schutzbrief – Hilfe für unterwegs als Service oder Kostenerstattung > A.3.5 Hilfe bei Panne, Unfall, Diebstahl des Fahrzeugs oder seiner Teile
Wir organisieren die Wiederherstellung der Fahrbereitschaft an der Schadenstelle durch ein Pannenhilfsfahrzeug und übernehmen die hierdurch entstehenden Kosten unter der Voraussetzung, dass – Sie oder eine mitversicherte Person uns den Schadenfall sofort nach Schadeneintritt melden und – wir die Pannen- oder Unfallhilfe organisieren und entsprechende Maßnahmen einleiten. In allen anderen Fällen beläuft sich der Höchstbetrag für diese Leistung einschließlich der vom Pannenhilfsfahrzeug mitgeführten und verwendeten Kleinteile auf 110 Euro.
Fahrerschutz (Driver's Own Injury Protection)
€15M
An optional extension of the Kfz-Haftpflichtversicherung that compensates the authorised driver's own personal injury, as a liability insurer would, up to EUR 15,000,000 per claim, with recovery/rescue costs limited to EUR 10,000; excludes pain-and-suffering damages and the driver's own legal costs.
Kfz-Unfallversicherung (Passenger/Occupant Accident Cover)
Optional
No limit stated
A separate, legally independent contract covering death or invalidity of vehicle occupants following an accident connected with the use of the vehicle; insured sums for death and invalidity are individually agreed and stated in the policy schedule, not fixed in the general terms.
Key conditions
Driver restrictions
The vehicle may only be driven by a person authorised by the policyholder who holds the legally required driving licence; cover can be impaired if the driver is unfit to drive safely due to alcohol or other intoxicating substances.
Claim notification deadline
Every claim event that may trigger a payout must be reported to the insurer within one week of it occurring.
Bonus-malus rules
The premium is based on a no-claims discount class (SF-Klasse) that improves by one class after each fully claim-free calendar year and is downgraded according to fixed tables once a reported claim leads to a payout.
Territorial scope
Cover applies within the geographic boundaries of Europe and the non-European territories that belong to the EU; the scope follows the level of cover legally required in the country visited, but never less than the sums agreed in the contract. If an international insurance (Green) card has been issued, cover also extends to the non-European countries listed on it, unless struck through.
Documents
Policy specifics
Electric Vehicle Coverage
Comprehensive protection for electric and hybrid vehicles including battery overvoltage damage up to €25,000 and charging station fire damage up to €3,000
SourceSection: Autoversicherung für E-Autos und Hybrid-Fahrzeuge > Sicherheit für Elektro- und Hybridfahrzeuge
So sind beispielsweise Überspannungsschäden am Fahrzeugakku während des Ladevorgangs bis zu 25.000 Euro abgesichert. Entsteht beim Laden ein Brand an der Wallbox oder an der Ladestation, übernehmen wir Schäden bis zu 3.000 Euro.
Mallorca Insurance
Not established from the insurer's documents
Extended coverage for rental vehicles in Spain and EU countries
SourceThird-party source, not the insurer's documentSection: Vorteile der Tarife der BarmeniaGothaer
Eine Mallorca-Police ist ebenso im Versicherungsumfang enthalten wie die erweiterte Deckung von Tierschäden.
Animal Damage Coverage
Not established from the insurer's documents
Extended coverage for animal-related damage including animal bites with follow-up damage up to €3,000 and vehicle accessories up to €5,000
SourceThird-party source, not the insurer's documentSection: Vorteile der Tarife der BarmeniaGothaer
Tierbiss inklusive Folgeschäden ist bis 3.000 Euro und Sonderausstattung bis 5.000 Euro abgedeckt.
Gross Negligence Coverage
Not established from the insurer's documents
Insurer covers damages caused by gross negligence of the policyholder
SourceThird-party source, not the insurer's documentSection: Vorteile der Tarife der BarmeniaGothaer
Der Versicherer haftet zudem auch bei Schäden, die durch grobe Fahrlässigkeit verursacht wurden.
Breakdown Service (Schutzbrief)
24/7 roadside assistance for breakdowns, accidents, and theft in Germany and abroad
SourceDer Mobilitäts-Schutzbrief für Ihr KFZ bietet Hilfe für unterwegs als Service oder Kostenerstattung, rund um die Uhr und an allen Tagen.
Foreign Damage Protection
Covers the difference when damage claims are lower under foreign law than under German law
SourceNach ausländischem Recht sind Schadenersatzansprüche gegen den/die Unfallgegner*in oft geringer als in Deutschland. Hier hilft unser Baustein Auslandsschadenschutz.
Service Network Repair Approval
Condition that repairs must be approved by or conducted through the insurer's workshop network to reduce premiums
SourceEuropean Coverage Scope
Liability coverage applies in Europe and EU external territories; Casco coverage also within European geographic boundaries and EU-associated areas
SourceSources
BarmeniaGothaer Motor third-party liability