BarmeniaGothaer AG
BarmeniaGothaer
BarmeniaGothaer is a motor third-party liability insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
The insurer is authorised to settle justified third-party liability claims directly in cash on the policyholder's behalf and to defend unjustified claims at its own cost.
Geographic scope
Europe and the non-European territories belonging to the European Union
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.
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 policyholder's own driver for personal injury as if a liability insurer were paying, up to €15 million per claim, which many competitors only include at lower limits.
- Choosing the insurer's partner-workshop network (Werkstattservice) can lower the premium by up to 18%.
- 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
Bodily Injury Liability
€15,000,000
Covers justified third-party claims for death or injury caused by the use of the insured vehicle. Where a lump-sum insured amount is agreed, the insurer's liability per killed or injured person is capped at EUR 15,000,000.
Property Damage Liability
Covered
No limit stated
Covers justified third-party claims for damage to, destruction of, or loss of property caused by the use of the insured vehicle. The specific insured sum is stated in the individual policy schedule and is not disclosed in the general terms.
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, with individual sub-limits (e.g. roadside repair up to EUR 103, towing up to EUR 154).
Fahrerschutz (Driver's Own Injury Protection)
€15,000,000
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
Territorial scope
Liability cover applies within the geographic boundaries of Europe and the non-European territories belonging to the EU; the level of cover follows the minimum legally required in the country visited, but never less than the sums agreed in the contract.
Green card rules
If an international insurance card (Green Card) has been issued, cover extends to the additional non-European countries listed on the card, provided the country name is not struck through.
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.
Documents
Gothaer motor insurance terms for predominantly privately used vehicles (AKB 07.2023)
Terms & conditions
Gothaer motor insurance terms for predominantly privately used vehicles (AKB 07.03, superseded)
Terms & conditions
Gothaer motor insurance terms for predominantly commercially used vehicles (AKB 07.2013)
Terms & conditions
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
SourceMallorca 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 documentAnimal 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 documentGross 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 documentBreakdown Service (Schutzbrief)
24/7 roadside assistance for breakdowns, accidents, and theft in Germany and abroad
SourceWorkshop Service Network
Reduced insurance premiums and numerous advantages through partnership with workshop network
SourceForeign Damage Protection
Covers the difference when damage claims are lower under foreign law than under German law
SourceService Network Repair Approval
Condition that repairs must be approved by or conducted through the insurer's workshop network to reduce premiums
SourceVehicle Accessories Coverage Limit
Non-factory vehicle accessories are covered up to total of €5,000; radio/music/nav systems up to €5,000 separately
SourceEuropean Coverage Scope
Liability coverage applies in Europe and EU external territories; Casco coverage also within European geographic boundaries and EU-associated areas
SourceStorm Definition (Wind Speed)
Storm coverage only applies to wind speeds of at least Beaufort force 8; includes hail, lightning strike, and flooding damage
SourceVehicle Replacement Value Calculation
Replacement value is the price for equivalent used vehicle or parts at date of loss; prior damage considered
Source