DBV Deutsche Beamtenversicherung (branches of AXA Versicherung AG, AXA Lebensversicherung AG and AXA Krankenversicherung AG)

Territorial scope

Cover applies within the geographical borders of Europe and the non-European territories belonging to the EU, at least to the extent legally required in the country visited (or the German contract scope if higher).

Green card rules

If issued, the Green Card extends liability cover to the non-European countries listed on it, unless the country name is crossed out; extent of cover follows the standard territorial rule.

Driver restrictions

The vehicle may only be used by an authorised driver holding the required driving licence; if the driver is impaired by alcohol or other intoxicants to a degree that safe control is not possible, cover is void for that use, and the policyholder, holder or owner must not knowingly allow such a driver to use the vehicle.

Claim notification deadline

Any loss event that may trigger a claim must be reported within one week; out-of-court claims first asserted against the policyholder must be reported within one week of assertion, and death of an insured person under the accident cover must be reported within 48 hours.

Bonus-malus rules

Premiums follow a no-claims discount (SF-Klasse) system based on claims history, with annual re-rating and up-/down-grading tables in Annex 1, plus an optional 'Rabattschutz Top' module that protects the current SF-Klasse against a single claim if the contract is already rated at least SF-Klasse 4.

Mallorca-Police (Foreign Vehicle Coverage)

Coverage for damage caused while driving rented or borrowed vehicles abroad (excluding USA and Canada); applies in European countries

Damage to own property (Eigenschäden)

Coverage for damage caused by the insured vehicle to the policyholder's own property (e.g., garage door, other owned vehicles) - included in mobil komfort, not in mobil kompakt

New price compensation

Full replacement price of vehicle at time of acquisition in case of total loss or theft within defined period: 24 months for mobil komfort, 12 months for mobil kompakt

Animal bite follow-up damage

Coverage for follow-up damage from animal bites: unlimited in mobil komfort, capped at 3,000 EUR in mobil kompakt (for partial collision coverage)

Special equipment coverage

Coverage for special vehicle equipment and accessories: unlimited in mobil komfort, capped at 6,000 EUR in mobil kompakt

Environmental damage liability (Kfz-Umweltschadenversicherung)

Not established from the insurer's documents

Component of the MTPL contract covering public-law remediation claims under the Environmental Damage Act (USchadG) arising from an accident, breakdown or sudden operational disturbance; sum insured is 5 million EUR per claim, maximum 10 million EUR per insurance year. Identical in mobil komfort and mobil kompakt.

Foreign accident claims assistance (Schadenersatzversicherung bei Auslandsreisen)

Not established from the insurer's documents

mobil komfort only: as part of the MTPL contract, the insurer settles the policyholder's own justified damages claim against the liable foreign motor insurer when the policyholder is the victim of an accident abroad (EU plus Iceland, Liechtenstein, Norway and Switzerland; not Germany), up to the sums insured agreed for the MTPL cover, with third-party payments (e.g. own comprehensive cover) deducted. Not included in mobil kompakt.

Liability coverage limits

Standard liability coverage up to 100 million EUR total, 15 million EUR per injured person - applies to both mobil komfort and mobil kompakt

Workshop network binding option

Optional 'Werkstattservice' module offering DEKRA-certified partner workshops; provides up to 15% premium discount for collision/comprehensive coverage when selected

Update guarantee

Performance improvements in new tariff versions automatically apply to existing mobil komfort contracts at no additional cost

Premium module add-on

Optional 'Premium' module extending new price compensation from 24 to 36 months for mobil komfort; adds enhanced collision and comprehensive coverage features

Used vehicle replacement value

For used vehicles, replacement value at time of registration (Wiederbeschaffungswert) is reimbursed in case of total loss within coverage period

Gross negligence coverage

Damage caused by gross negligence is covered under both tariffs, distinguishing them from basic insurance products

Cap on recourse for breach of duty (Regressbegrenzung)

Not established from the insurer's documents

Even where the policyholder breaches a duty (e.g. gross negligence, increase of risk), the insurer must still pay the injured third party at least the statutory minimum sums; the insurer's right of recourse against the policyholder/co-insured for breach of duties while using the vehicle is capped at 5,000 EUR per person, and for breach of claims-handling duties at 2,500 EUR per person, rising to 5,000 EUR for intentional, seriously culpable breaches such as fleeing the accident scene.

Leistungsversprechen (future improvement guarantee)

Not established from the insurer's documents

mobil komfort only (Section A.8): if the insurer improves the liability or comprehensive cover described in Section A of the mobil komfort AKB for newly concluded contracts, existing mobil komfort policyholders automatically benefit from the improved terms at no extra cost, except for benefits that require an additional premium even for new contracts (e.g. new insurance types or priced modules).