East Frisian Regional Fire Insurance Fund (Ostfriesische Landschaftliche Brandkasse)
Ostfriesische Brandkasse
Ostfriesische Brandkasse is a motor third-party liability insurance for the Germany market with no online purchase and limited assistance availability.
Direct payment
In MTPL, the insurer directly settles justified third-party claims in cash and defends unjustified claims at its own cost; the insurer is authorised to negotiate and settle claims on the policyholder's behalf.
Geographic scope
Geographic borders of Europe plus non-European territories belonging to the EU
Cover applies within the geographic borders of Europe and non-European EU territories; if an International Insurance (Green) Card is issued, cover extends to the non-European countries listed on it that are not crossed out.
Unique selling points
- Combined MTPL liability limit of up to EUR 100 million (capped at EUR 15 million per injured person) can be arranged, well above German statutory minimum liability sums.
- Mallorca-Police extension (Komfort tier) automatically covers liability for rental cars, motorcycles or campers used abroad by the policyholder or cohabiting spouse/partner.
- Optional Rabattschutz keeps the no-claims class stable after one at-fault claim per year, available for both MTPL and comprehensive cover.
- Europe-wide Autoschutzbrief add-on bundles breakdown recovery, rental car, overnight stays and vehicle repatriation into the MTPL contract.
Coverage limits
Bodily injury liability
€100,000,000
For a contract to qualify for the (free, included) environmental-damage liability extension, the MTPL sum insured must be EUR 100 million lump-sum for personal injury, property damage and financial loss combined, capped at EUR 15 million per injured person; actual contracted sums are stated in the policy schedule and may differ.
Property damage liability
€100,000,000
Property and financial-loss liability is part of the same combined lump-sum limit of EUR 100 million referenced for the environmental-damage extension qualification; individually contracted sums insured are shown in the policy schedule.
Defence against unjustified claims
Covered
The insurer defends unjustified or partly unjustified third-party claims at its own cost as part of the core MTPL cover; no separate sum insured is stated.
International Insurance (Green) Card
Covered
If an International Insurance Card is issued, MTPL cover automatically extends to the non-European countries listed on it that are not crossed out, at the level of cover required in the country visited (at least the level of the German contract).
Autoschutzbrief (roadside/breakdown assistance)
Optional
The MTPL policy can be extended with an optional Autoschutzbrief covering breakdown/accident recovery, towing, rental car, overnight stays and repatriation across Europe; it can only be bought together with (as an extension of) the MTPL contract, with numerous per-benefit sub-limits (e.g. EUR 100 roadside repair, EUR 350 rental car).
Driver protection (Fahrerschutzversicherung)
€15,000,000
Optional cover for the authorised driver, payable only together with an MTPL contract for a car or camper; benefit is capped at the per-injured-person MTPL deckungssumme, up to a maximum of EUR 15 million.
Passenger/occupant accident cover (Kfz-Unfallversicherung)
Optional
Optional, legally separate Kfz-Unfallversicherung under the lump-sum system (Pauschalsystem) covers all authorised occupants of the insured vehicle for invalidity, hospital daily allowance and death benefits, at sums insured chosen in the policy schedule.
Key conditions
Territorial scope
Cover applies within the geographic borders of Europe and non-European territories belonging to the EU, at least at the level of cover of the German contract, subject to the mandatory minimums of the country visited.
Green card rules
If an International Insurance (Green) Card has been issued, cover extends to the non-European countries listed on it that are not crossed out, applying the higher of the local mandatory level or the German contract's scope.
Driver restrictions
The vehicle may only be driven by a person holding the required driving licence, and must not be driven under the influence of alcohol, drugs or other intoxicants; the policyholder, keeper or owner must not knowingly allow use by an unauthorised or unlicensed driver.
Claim notification deadline
Every claim event that may lead to a benefit must be reported to the insurer within one week; reporting to the accident/breakdown emergency call centre counts for the whole motor insurance.
Bonus-malus rules
Premiums follow a no-claims discount system (SF-classes 0 to 50 and damage class M) based on the claims-free history in MTPL and comprehensive cover; an optional 'Rabattschutz' rider (also available for MTPL) prevents a downgrade after one at-fault claim per calendar year, provided the contract is rated at least SF-class 5 and combined with an Autoschutzbrief.
Policy specifics
Workshop service
Optional bundled benefit allowing insured to select partner workshop with VGH managing repair approval and selection
SourceDamage-free discount protection
Optional benefit to protect accumulated no-claims discount; one self-caused damage per year does not result in premium increase
SourceEuropean geographical coverage
KFZ Haftpflicht coverage within geographical borders of Europe; extended via Green Card for non-European countries if applicable
SourcePartner repair network condition
Optional service-network restriction: insured may choose to bind VGH to specific partner workshops for repairs
Source