Ostfriesische Brandkasse Motor third-party liability (Kfz Haftpflicht)

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 (Komfort tier, MTPL with Autoschutzbrief, from SF class 5) keeps the no-claims class after the first at-fault claim in a calendar year; also available for Vollkasko.

Europe-wide Autoschutzbrief add-on bundles breakdown recovery, rental car, overnight stays and vehicle repatriation into the MTPL contract.

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.

Territorial scope

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.