Extracted from source documents

Continentale Motor third-party liability (Kfz Haftpflicht Fahrleistungstarif)

Underwritten by Continentale Sachversicherung AG · Germany

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

Verified Aug 28, 2026 · Terms dated 2024-10-01Sources

Online purchase24/7 helpline

Unique selling points

Liability cover of up to 100 million EUR as a combined lump sum for personal injury, property damage and financial loss (up to 15 million EUR per injured person), far above the statutory minimum.

Rabattschutz keeps the no-claims class unaffected after a policyholder's first claim in a year, available for both MTPL and Vollkasko.

Included cost-free hospital daily allowance of 10 EUR per day for up to 28 days for the driver after an accident with the insured car, in the Komfort tariff.

Mallorca-Deckung extends liability cover to rental cars, motorcycles or camper vans hired abroad in Europe, at no extra premium in the Komfort tariff.

A 24/7 accident and breakdown emergency call service is available around the clock for claims reporting and assistance.

Coverage limits

Covered

Bodily injury liability

€15M – €100M

Covered

Property Damage / Pure Financial Loss Liability

€100M

Continentale offers coverage of up to 100 million EUR for property damage and pure financial loss, well above the German statutory minimum of 1.22 million EUR for property damage and 50,000 EUR for pure financial loss.

Covered

Defence Against Unfounded Claims

Covered

No limit stated

If a third-party claim is unjustified (including claims unjustified only in amount), Continentale defends against it at its own cost.

Clause A.1.1.3Page 11

Section: A Welche Leistungen umfasst Ihre Kfz-Versicherung? > A.1 Kfz-Haftpflichtversicherung > A.1.1 Was ist versichert? > A.1.1.3 Unbegründete Schadenersatzansprüche

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

Conditional

Green Card (International Insurance Card)

Conditional

If Continentale has issued an International Insurance Card (Green Card), MTPL cover extends to the non-European countries listed on it, provided the country name is not struck through; the extent of cover follows the same rule as for travel within Europe/EU territories.

Clause A.1.4.2Page 12

Section: A.1 Kfz-Haftpflichtversicherung > A.1.4 In welchen Ländern besteht Versicherungsschutz? > A.1.4.2 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

Autoschutzbrief (Roadside Assistance / Breakdown Cover)

Optional

The Autoschutzbrief can only be taken out together with the MTPL contract for the same vehicle and is not available at statutory minimum sums; its premium is included in the MTPL premium only if applied for. Sub-limits include: roadside repair up to 103 EUR (uncapped if organised via Continentale's 24/7 emergency call centre), towing up to 154 EUR (uncapped if organised by Continentale), rental car up to 70 EUR/day for max. 7 days, overnight stays up to 80 EUR per person/night (max. 3 nights).

Clause A.3Page 17

Section: A.3 Autoschutzbrief – Hilfe für unterwegs als Service oder Kostenerstattung

Der Autoschutzbrief kann nur zusammen mit dem Vertrag über die Kfz-Haftpflichtversicherung für dasselbe Fahrzeug versichert werden. Die nachfolgenden Regelungen gelten nicht für Ausfuhr- und Kurzzeitkennzeichen.

Optional

Driver Accident Cover (Kfz-Unfallversicherung, driver)

Optional

Kfz-Unfallversicherung is a legally separate optional contract from MTPL, covering invalidity and death benefits, hospital daily allowance and daily allowance; the actual sums insured are set out in the individual Versicherungsschein and are not fixed by the general conditions.

Clause A.4Page 21

Section: A.4 Kfz-Unfallversicherung – wenn Insassen verletzt oder getötet werden

A.4 Kfz-Unfallversicherung – wenn Insassen verletzt oder getötet werden

Optional

Passenger Accident Cover (Kfz-Unfallversicherung, occupants)

Optional

Under the Pauschalsystem, all authorised occupants of the vehicle are covered under the Kfz-Unfallversicherung, with the insured sum divided among occupants present (increased by 50% if two or more occupants); under the Platzsystem specific seats/numbers are insured. This is an optional, separate contract from MTPL with sums set in the Versicherungsschein.

Clause A.4.2.1Page 21

Section: A.4 Kfz-Unfallversicherung > A.4.2 Wer ist versichert? > A.4.2.1 Pauschalsystem

Mit der Kfz-Unfallversicherung nach dem Pauschalsystem sind die jeweiligen berechtigten Insassen des Fahrzeugs versichert. ... Bei zwei und mehr berechtigten Insassen erhöht sich die Versicherungssumme um 50 % und teilt sich durch die Gesamtzahl der Insassen, unabhängig davon, ob diese zu Schaden kommen.

Key conditions

Driver restrictions

The vehicle may only be used by an authorised driver holding the required driving licence; it must not be driven under the influence of alcohol or other intoxicants.

Claim notification deadline

Any event that could lead to a claim must be reported within one week in text form (e.g. letter, fax, email); claims asserted out of court against the policyholder must likewise be reported within one week of being raised.

Bonus-malus rules

Contracts are classified into no-claims classes (SF-Klassen) ranging from SF 35 (best, 20% of base premium) down through SF 0 and M (133% of base premium), reassessed annually on 1 January based on the claims history of the preceding calendar year; a claims-free year moves the contract up one class, a claims-affected year moves it down according to fixed tables.

Territorial scope

Coverage applies within the geographic borders of Europe and the non-European territories belonging to the scope of the European Union; scope follows the legally required insurance extent of the visited country, at minimum the extent of the policy itself.

Documents

Continentale Motor Insurance Terms and Conditions (AKB), effective 01.10.2024 (opens in a new tab)

Terms & conditions · PDF

Continentale Contract Information / Motor Insurance Terms (AKB), mileage tariff, effective 01.10.2014 (opens in a new tab)

Terms & conditions · PDF

Policy specifics

Mallorca Coverage

Extended liability coverage for rental vehicles in European countries

SourceClause A.5.1Page 23

Section: A.5 Basis-Tarif für Pkw > A.5.1 Kfz-Haftpflichtversicherung

In der Kfz-Haftpflichtversicherung sind abweichend von A.1.1.6 Haftpflichtansprüche aus dem Führen gemieteter Pkw im Ausland (Mallorca-Deckung) sowie abweichend von A.1.1.7 die Mitversicherung eines Krankenhaustagegeldes ausgeschlossen.

Environmental Damage Insurance

Coverage for public-law environmental damage claims under environmental damage law

Source

Hospital Daily Allowance

Daily benefit for driver hospitalization after accident with insured vehicle

Source

Own Property Damage Coverage

Coverage for damage to own vehicles, buildings and other objects caused by accident

Source

Basis vs. Komfort Tariff

For Pkw, customers choose between a Basis and a Komfort tariff. The Basis tariff excludes the Mallorca-Deckung (rental car liability abroad) and the mitversichertes Krankenhaustagegeld, which are only included in the Komfort tariff; the Basis tariff also applies stricter grobe Fahrlässigkeit (gross negligence) reduction rules.

SourceClause A.5.1Page 23

Section: A.5 Basis-Tarif für Pkw > A.5.1 Kfz-Haftpflichtversicherung

In der Kfz-Haftpflichtversicherung sind abweichend von A.1.1.6 Haftpflichtansprüche aus dem Führen gemieteter Pkw im Ausland (Mallorca-Deckung) sowie abweichend von A.1.1.7 die Mitversicherung eines Krankenhaustagegeldes ausgeschlossen.

Geographical Scope of Coverage

Coverage extends to geographic borders of Europe and affiliated territories of EU

SourceClause A.1.4.1Page 12

Section: A.1 Kfz-Haftpflichtversicherung > A.1.4 In welchen Ländern besteht Versicherungsschutz? > A.1.4.1 Versicherungsschutz in Europa und in der EU

Ihr Versicherungsschutz richtet sich nach dem im Besuchsland gesetzlich vorgeschriebenen Versicherungsumfang, mindestens jedoch nach dem Umfang Ihres Versicherungsvertrags.

Statutory Minimum Coverage

German legal minimum for MTPL: 7.5M EUR personal injury, 1.22M EUR property, 50K EUR financial loss

Source

Claims Settlement Method

Not established from the insurer's documents

For valid claims, insurer settles damages in cash; for invalid claims, defends on own cost

SourceThird-party source, not the insurer's documentSource no longer reachable

Pure Financial Loss Coverage

Coverage for pure financial damage not linked to personal or property injury

Source

Sources