CosmosDirekt Motor third-party liability (Kfz Haftpflichtversicherung)
Underwritten by Cosmos Versicherung AG · Germany
motor third-party liability insurance from CosmosDirekt for the Germany market, with online purchase.
Verified Aug 27, 2026 · Terms dated 2025-09Sources
Unique selling points
Flat liability limit of 100 million EUR per claim event, well above the German statutory minimum, with up to 15 million EUR per injured person.
Mallorca-Police for rental vehicles driven abroad is included automatically at no extra charge.
Technology-neutral cover explicitly extending to damage caused by automated/autonomous driving, software updates, sensor failure or hacking of connected vehicles.
Optional Rabattschutz allows up to three claims without a no-claims class downgrade.
Barrier-free online application designed around the '2-senses principle' with screen-reader support.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Defence against unjustified claims
Covered
No limit stated
CosmosDirekt defends policyholders against unjustified or excessive third-party liability claims at its own cost, with no separate limit; this is part of the included Kfz-Haftpflichtversicherung. The optional Verkehrs-Rechtsschutzversicherung, a separate legal-expenses product requiring an existing or simultaneously concluded MTPL contract, is not part of this figure.
Section: A Welche Leistungen umfasst Ihre Kfz-Versicherung? > A.1 Kfz-Haftpflichtversicherung – für Schäden, die Sie mit Ihrem Fahrzeug Anderen zufügen > A.1.1 Was ist versichert?
Sind Schadenersatzansprüche unbegründet, wehren wir diese auf unsere Kosten ab. Dies gilt auch, soweit Schadenersatzansprüche der Höhe nach unbegründet sind.
International (Green Card) insurance certificate
Covered
If CosmosDirekt has issued an international insurance card, MTPL coverage extends to non-European countries listed on the card whose names are not crossed out. Cover follows the legally required scope of the country visited, at least the scope of the German contract.
Roadside assistance (Schutzbrief)
Optional
Optional add-on providing 24/7 roadside assistance in Germany and abroad, including breakdown recovery (up to 300 EUR), towing (up to 300 EUR), vehicle recovery, rental car (up to 70 EUR/day, max. 7 days) and overnight stay costs (up to 85 EUR/night, max. 3 nights). Available only for cars, motorcycles over 125cc and campervans up to 4,000 kg.
Driver accident protection (Fahrerschutz)
€12M
Optional rider compensating the driver's own accident-related personal injury as if a third party were liable. Benefits are capped at the personal-injury sum agreed in the linked MTPL contract (up to 12 million EUR per injured person). Requires an existing MTPL policy with CosmosDirekt for the same car.
Passenger accident protection (Fahrerschutz)
€12M
The same optional Fahrerschutz-Versicherung also covers accident-related personal injury of authorised occupants (Insassen) of the insured car, capped at the personal-injury sum agreed in the linked MTPL contract (up to 12 million EUR per injured person).
Key conditions
Driver restrictions
The vehicle may only be driven by a person holding the required valid driving licence, and must not be driven under the influence of alcohol, drugs or other substances impairing driving ability; breach of these duties can lead to loss or reduction of cover, capped at 5,000 EUR per person in MTPL.
Claim notification deadline
The policyholder must notify CosmosDirekt of any claim event that could lead to a payment within one week; involvement of police, prosecutors or other authorities must also be reported without delay.
Bonus-malus rules
Premium is based on a no-claims class (Schadenfreiheitsklasse, SF) system: a claim-free year improves the class (lower premium rate), while a claimed year triggers a rückstufung (downgrade) according to fixed tables, with the size of the downgrade depending on the number of claims. An optional Rabattschutz feature (available from SF-Klasse 4 in the Comfort tier) allows up to three claims within its duration without triggering a downgrade.
Territorial scope
Coverage applies within the geographic borders of Europe and the overseas territories of the European Union. In Russia and Turkey, cover applies only to the European part. Rental vehicles temporarily hired abroad are covered under the Mallorca-Police extension.
Documents
General Terms and Conditions for Motor Insurance (AKB), valid from September 2025 (opens in a new tab)
Terms & conditions · PDF
General Terms and Conditions for Motor Insurance (AKB), valid from September 2022 (opens in a new tab)
Terms & conditions · PDF
General Terms and Conditions for Motor Insurance (AKB), valid from September 2021 (opens in a new tab)
Terms & conditions · PDF
Insurance Product Information Document (VIB) – Motor Insurance (opens in a new tab)
Product information sheet · PDF
Product Information Sheet (PIB) – Motor Insurance (opens in a new tab)
Product information sheet · PDF
Accessibility information sheet for motor insurance (BF Kfz) (opens in a new tab)
Other document · PDF
Policy specifics
Liability coverage limit
Maximum lump-sum liability coverage of 100 million euros for personal injury, property damage and financial loss combined
SourceSource no longer reachableAbroad rental vehicle coverage (Mallorca-Police)
Coverage extends to rental vehicles temporarily rented abroad (outside Germany) for up to 6 weeks, provided no separate liability insurance exists for the rental vehicle
SourceInsured persons in motor third-party liability
Coverage includes the vehicle holder, owner, driver, passenger, employer and employees as specified in section A.1.2 of the AKB (General Terms and Conditions for Motor Insurance)
SourceClaim settlement and defense procedure
Insurer examines validity of claims and pays justified claims in full. Unfounded claims are defended at insurer's expense. In lawsuits, insurer defends policyholder in court and covers court and attorney costs
SourceClause A.1.1.2Page 6Section: A Welche Leistungen umfasst Ihre Kfz-Versicherung? > A.1 Kfz-Haftpflichtversicherung – für Schäden, die Sie mit Ihrem Fahrzeug Anderen zufügen > A.1.1 Was ist versichert?
Sind Schadenersatzansprüche begründet, leisten wir Schadenersatz in Geld. […] Sind Schadenersatzansprüche unbegründet, wehren wir diese auf unsere Kosten ab. Dies gilt auch, soweit Schadenersatzansprüche der Höhe nach unbegründet sind. […] Wir sind bevollmächtigt, gegen Sie geltend gemachte Schadenersatzansprüche in Ihrem Namen zu erfüllen oder abzuwehren und alle dafür zweckmäßig erscheinenden Erklärungen im Rahmen pflichtgemäßen Ermessens abzugeben.
Provisional insurance coverage scope
Upon electronic insurance confirmation (eVB number), provisional liability-only coverage is provided. For PKW (passenger cars) this is Basis-Schutz level. Provisional coverage converts to permanent coverage after first premium payment
SourceExcluded damages in motor third-party liability
Exclusions include intentional and unlawful damage; authorised speed races; damage to the insured vehicle, attached trailers or towed vehicles; goods carried in the vehicle (except occupants' usual belongings); pure financial loss from missed delivery/transport deadlines; contractual claims beyond statutory liability; nuclear damage.
SourceSources
- cosmosdirekt.dehttps://www.cosmosdirekt.de/resource/blob/183692/482a12aac2003699ef2e32d842127565/VWK_844_KFZ_Bedingungen_0922_rgb.pdf#page=6(opens in a new tab)
- cosmosdirekt.dehttps://www.cosmosdirekt.de/resource/blob/443230/1b6abd3651b70e21aec582643c9e0ab6/allgemeine-bedingungen-kfz-versicherung-09-2025-vwk-844-neueste-bedingungen-data.pdf#page=6(opens in a new tab)
CosmosDirekt Motor third-party liability