Extracted from source documents

BavariaDirekt Motor third-party liability (Kfz Haftpflicht Komfort)

Underwritten by BavariaDirekt Versicherung AG · Germany

motor third-party liability insurance from BavariaDirekt for the Germany market, with online purchase and 24/7 assistance.

Verified Aug 28, 2026 · Terms dated 2024-09Sources

Online purchase24/7 helpline

Unique selling points

Awarded 'Better than average' by Stiftung Warentest multiple years running for its MTPL cover.

High liability sums of up to 100 million EUR for property/financial loss and 15 million EUR for bodily injury, well above the statutory minimums.

Claims service reachable around the clock, avoiding long phone queues after an accident.

Optional price guarantee freezes the premium for the contract term as long as the policy stays claim-free.

Coverage limits

Conditional

Liability sum for bodily injury

€8M – €15M

Covers third-party bodily injury claims (medical costs, pain and suffering, loss of earnings) up to 8 million EUR in the Komfort S tariff and up to 15 million EUR in the Komfort M and L tariffs.

Section: Kfz absichern – die Leistungen der BavariaDirekt

Versicherungssumme bei Personenschäden € 8 Mio. € 15 Mio. € 15 Mio.

Covered

Liability sum for property and financial damage

€100M

Covers third-party property damage and pure financial loss claims up to 100 million EUR, identical across the Komfort S, M and L tariffs. A separate Umweltschadenversicherung (environmental damage) sum of 5 million EUR is provided under a legally distinct contract (AKB A.5).

Section: Kfz absichern – die Leistungen der BavariaDirekt

Versicherungssumme € 100 Mio. € 100 Mio. € 100 Mio.

Covered

Defence against unfounded liability claims

Covered

If third-party claims are unfounded, the insurer defends against them at its own cost, including claims that are unfounded only as to amount. No separate monetary sublimit is stated for this defence cost.

Clause A.1.1.3Page 5 / 31

Section: A.1.1 Was ist versichert? > Begründete und unbegründete Schadenersatzansprüche

Sind Schadenersatzansprüche unbegründet, wehren wir diese auf unsere Kosten ab. Dies gilt auch, soweit Schadenersatzansprüche der Höhe nach unbegründet sind.

Covered

Green Card / International Insurance Certificate

Covered

If issued, the international insurance card (Green Card) extends MTPL cover to the non-European countries listed on it, as long as the country name is not struck out.

Clause A.1.4.2Page 5 / 31

Section: A.1.4 In welchen Ländern besteht Versicherungsschutz? > Internationale Versicherungskarte (Grüne Karte)

Haben wir Ihnen eine internationale Versicherungskarte ausgehändigt, erstreckt sich Ihr Versicherungsschutz in der Kfz-Haftpflichtversicherung auch auf die dort genannten nichteuropäischen Länder, soweit Länderbezeichnungen nicht durchgestrichen sind.

Optional · Komfort M, Komfort L, Komfort XL

Roadside assistance package (Schutzbrief)

Optional

Breakdown and accident assistance (Autoschutzbrief) is offered as a paid optional add-on in all three tariffs (Komfort M, L, XL), not included by default.

Page 2

Section: Zusatzleistungen Allgemein

Schutzbrief (Hilfe bei Panne oder Unfall) optional optional optional

Optional · Komfort M, Komfort L, Komfort XL

Driver protection (Fahrerschutz)

Optional

Fahrerschutz covers the driver's own bodily harm consequences (e.g. incapacity to work, reduced earning capacity from an accident) independent of fault; offered as a paid optional add-on in all three tariffs.

Page 2

Section: Zusatzleistungen Allgemein

Fahrerschutz optional optional optional

Optional · Komfort M, Komfort L, Komfort XL

Passenger accident cover (Insassenunfall)

Optional

Family/occupant accident protection paying a death or disability benefit for insured occupants; offered as a paid optional add-on in all three tariffs.

Page 2

Section: Zusatzleistungen Allgemein

Insassenunfall (Todesfall - und Invaliditätsleistung) optional optional optional

Key conditions

Driver restrictions

The car may only be used by an authorized driver holding the necessary driving licence; the policyholder, holder or owner must not knowingly allow use by an unauthorized or unlicensed driver.

Claim notification deadline

Any event that could lead to a claim must be reported to the insurer within one week; claims reported without delay to the 24-hour accident/breakdown hotline satisfy this for the whole motor policy.

Bonus-malus rules

Premium is based on a no-claims discount (SF-Klasse) system that upgrades one class per claim-free calendar year and downgrades according to fixed tables depending on the number of claims reported in a year.

Territorial scope

Coverage applies within the geographic borders of Europe and the non-European territories of EU member states; extended internationally where a Green Card (International Insurance Card) is issued and the listed country is not struck out.

Documents

Kfz insurance benefits overview 2024 (AKB 09/2024) (opens in a new tab)

Table of benefits · PDF

General terms and conditions for motor insurance (AKB, edition 30.09.2015) (opens in a new tab)

Terms & conditions · PDF

Policy specifics

Liability limits for personal injury and property damage

Coverage limits apply to third-party bodily injury, property damage, and financial loss claims

Source

Section: Kfz absichern – die Leistungen der BavariaDirekt

Unsere Kfz-Haftpflicht deckt unter anderem die folgenden Schäden und schützt Sie somit vor hohen Forderungen Dritter.

Territorial scope of coverage

Coverage extends to damages caused within specified territorial limits, including foreign countries within the EU

Source

Section: Zusatzleistungen zur Autoversicherung > Insassen-Unfallversicherung

Der Schutz gilt innerhalb der geographischen Grenzen Europas sowie in außereuropäischen Flächen der EU-Mitgliedsstaaten.

Motor environmental damage insurance

A legally separate contract (AKB A.5) providing 5 million EUR cover for public-law environmental remediation claims under the Umweltschadensgesetz, ending automatically if the MTPL contract ends.

SourcePage 1

Section: Haftpflicht

Versicherungssumme bei Umweltschäden 5 Mio. € 5 Mio. € 5 Mio. €

European rental car cover (Mallorca policy)

Extends the policyholder's own MTPL cover to temporarily rented cars driven abroad in Europe; included from the Komfort M tariff upward, not in the entry-level Komfort S tariff.

Source

Section: Kfz absichern – die Leistungen der BavariaDirekt

Mietwagenschutz im Ausland (Mallorca Police) -

Claims handling and procedure

Insured must report claims through defined procedures; 24-hour damage service available

Source

Available tariff tiers

Three individual tariff levels offered for Kfz-Haftpflicht (Komfort S, M, L) with varying coverage and features

SourcePage 1

Section: KFZ-Versicherung 2024

Allgemein Komfort M Komfort L Komfort XL

Mandatory insurance status

Motor Third-Party Liability Insurance is mandatory in Germany; vehicle cannot be registered without proof of coverage

Source

Section: Kfz-Haftpflichtversicherung – Glück, wenn Sie mal Pech haben

Das bedeutet: Ohne Nachweis einer bestehenden Kfz-Haftpflichtversicherung können Sie Ihr Fahrzeug gar nicht erst zulassen .

Sources

BavariaDirekt Motor third-party liability

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