BGV Badische Versicherungen (Badischer Gemeinde-Versicherungs-Verband, a public-law corporation, together with its subsidiary BGV-Versicherung Aktiengesellschaft)
BGV
BGV is a motor third-party liability insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
BGV pays justified third-party claims directly in cash and defends unjustified claims, including claims unjustified in amount, at its own expense.
Geographic scope
Europe and territories belonging to the European Union
Coverage applies within the geographic borders of Europe and non-European territories belonging to the EU; if an International Insurance Card (IVK) is issued, cover extends to the non-European countries listed on it unless struck through.
Unique selling points
- Combined liability sum insured of up to 100 million EUR per claims event for personal injury, property damage and financial loss, identical across every tariff tier.
- Per-person bodily injury sub-limit of 15 million EUR, well above the statutory minimum insurance sums.
- Mallorca clause included as a standard benefit, covering liability claims from rental cars driven abroad in Europe at no extra premium.
- Environmental damage liability (Kfz-USV) under the Umweltschadensgesetz is included as a standard benefit across all tariffs.
- Quote and policy can be completed fully online in around three minutes, including immediate issuance of the eVB electronic insurance confirmation number.
Coverage limits
Bodily injury liability coverage
€100,000,000
A combined single sum insured of up to 100 million EUR per claims event covers bodily injury, property damage and pure financial loss together; within this combined sum, compensation per injured person is capped at 15 million EUR. Identical across the Basis, Klassik and Exklusiv tariffs.
Property damage liability coverage
€100,000,000
Property damage is covered within the same combined 100 million EUR per-event sum insured that also covers bodily injury and pure financial loss; BGV does not state a separate stand-alone property-damage sub-limit. Identical across the Basis, Klassik and Exklusiv tariffs.
Defence against unjustified claims
Covered
As part of the standard MTPL cover, BGV defends unjustified or excessive third-party claims at its own cost; no separate monetary limit is stated for this defence.
International Insurance Card (Green Card)
Covered
If BGV has issued an International Insurance Card (IVK), MTPL cover extends to the non-European countries listed on it, except any country names crossed out; footnotes on the card apply.
Schutzbrief roadside assistance
Optional
Optional add-on (fakultativ), sold as its own legally separate contract alongside MTPL, providing organisational and financial help after breakdown or accident (e.g. towing up to 200 EUR if self-organised, roadside repair, recovery, up to 3 nights' accommodation, rental car up to 350 EUR).
Fahrerschutzversicherung (driver accident cover)
€15,000,000
Optional add-on providing up to 15 million EUR per claims event for the authorised driver's own bodily injury sustained while driving the vehicle; a separate limit from the MTPL bodily-injury sub-cap, with internal sub-limits: pain and suffering up to 100,000 EUR, loss of earnings/household help up to 4,000 EUR/month, disability-related conversion costs up to 100,000 EUR, dependants' maintenance up to 2,000 EUR/month and funeral costs up to 7,500 EUR.
Passenger accident cover
No limit stated
No standalone passenger accident insurance is offered under this MTPL product; injured passengers are indemnified as third parties under the liability sum insured.
Key conditions
Territorial scope
Coverage applies within the geographic borders of Europe and non-European territories belonging to the EU, and in countries listed on the International Insurance Card (IVK) if issued.
Green card rules
If BGV has issued an International Insurance Card (IVK), MTPL cover extends to the non-European countries listed on it, except any crossed-out country names; footnotes on the card must be observed.
Driver restrictions
The vehicle may only be used for the agreed purpose, only driven by an authorised driver who holds the required driving licence, and must not be driven by anyone unfit to drive due to alcohol or other intoxicating substances.
Claim notification deadline
The policyholder must report any loss event that could give rise to a claim within one week; reporting to the 24-hour accident/breakdown hotline counts as notification for all vehicle covers on the same vehicle.
Bonus-malus rules
Premiums follow a no-claims discount (Schadenfreiheitsrabatt) system with classes ranging from M up to 45; a claim-free calendar year improves the class by one step, while one or more claims in a year trigger a downgrade according to fixed tables; an optional Rabattschutz add-on can prevent downgrading for one claim per insurance year.
Where to buy
Policy specifics
Liability coverage limit per person
Maximum per-person coverage limit in motor third-party liability insurance
SourceTotal liability insurance sum
Aggregate liability coverage for all parties in third-party motor liability
SourceMallorca clause - rental vehicle coverage
Extension of third-party liability to cover rented vehicles abroad
SourceGeographic coverage scope
Third-party liability coverage applies in EU countries and listed non-EU countries
SourcePolicyholder duties and obligations
Key obligations include timely premium payment, accurate disclosures, claims reporting, sober driving
SourceClaims handling procedure
BGV pays valid third-party claims in cash; defends groundless claims at own cost
SourceContract formation and entry into force
Contract formation occurs upon dispatch of insurance certificate; coverage begins as stated in certificate
Source