Debeka Motor third-party liability (Mtpl Privat)
Underwritten by Debeka Allgemeine Versicherung AG · Germany
motor third-party liability insurance from Debeka for the Germany market, with online purchase and 24/7 assistance.
Verified Aug 27, 2026 · Terms dated 2025-01-01Sources
Unique selling points
Flat liability cover of EUR 100 million for personal injury, property damage and financial loss combined (up to EUR 15 million per injured person), well above the statutory minimum.
Optional Fahrerschutzversicherung pays the driver's own accident-related personal injury like a liability insurer, up to EUR 15 million per claim including up to EUR 200,000 in pain-and-suffering compensation.
Optional Autoschutzbrief bundles Europe-wide breakdown recovery, towing, replacement vehicle, overnight accommodation and repatriation assistance in one add-on tied to the MTPL policy.
Under the Innovationsklausel, benefit improvements introduced in new policy conditions are automatically applied to existing contracts in the event of a claim, at no additional premium.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€15M
Defense against unjustified claims
Covered
As part of the liability cover, Debeka defends unjustified or excessive third-party claims against the policyholder at its own cost; no separate cap on defense cost is stated in the terms.
Section: A.1.1 Was ist versichert? > Begründete und unbegründete Schadensersatzansprüche
Unbegründete oder überhöhte Ansprüche wehren wir auf unsere Kosten ab.
Green Card / International Motor Insurance Card cover
Conditional
If Debeka has issued an International Motor Insurance Card (Green Card), liability cover extends to the non-European countries listed on it that are not crossed out, in the scope described for European/EU travel.
Section: A.1.4 In welchen Ländern besteht Versicherungsschutz? > Internationale Versicherungskarte (Grüne Karte)
Haben wir Ihnen eine Internationale Versicherungskarte ausgehändigt? Dann erstreckt sich Ihr Versicherungsschutz in der Kfz-Haftpflichtversicherung auch auf die dort genannten nichteuropäischen Länder, soweit Länderbezeichnungen nicht durchgestrichen sind.
Autoschutzbrief (roadside/breakdown assistance)
Optional
Optional add-on (Autoschutzbrief) that can only be taken together with MTPL for the same vehicle. Covers breakdown/accident recovery, towing, replacement vehicle, overnight stays, and additional foreign-travel services, each subject to individual sub-limits (e.g. towing costs up to EUR 200 if self-organized, up to 7 days car hire at EUR 60/day).
Section: A.3 Autoschutzbrief
Den Autoschutzbrief können Sie nur zusammen mit einer Kfz-Haftpflichtversicherung für dasselbe Fahrzeug abschließen.
Fahrerschutzversicherung (driver accident/personal injury cover)
€15M
Optional add-on that can only be taken together with MTPL for the same vehicle. Pays for the authorized driver's own personal injury from an accident while driving, as a liability insurer would (loss of earnings, household help, adapted housing, dependents' support, pain and suffering up to EUR 200,000 after at least 5 consecutive days of hospitalization). Total benefits per claim are capped at EUR 15 million.
Section: A.6 Fahrerschutzversicherung
Die Fahrerschutzversicherung können Sie nur zusammen mit einem Vertrag über die Kfz-Haftpflichtversicherung für dasselbe Fahrzeug abschließen.
Kfz-Unfallversicherung (occupant accident cover)
Optional
Separate, legally independent optional insurance for injury or death of vehicle occupants (driver and passengers) due to an accident connected with use of the vehicle. Sums insured for invalidity and death benefits are individually agreed and shown in the policy schedule; no fixed amount is stated in the general terms.
Section: A.5 Kfz-Unfallversicherung
Welche der folgenden Leistungen Sie mit welchen Versicherungssummen vereinbart haben, sehen Sie in Ihrem Versicherungsschein.
Key conditions
Driver restrictions
Only drivers authorized by the person entitled to dispose of the vehicle, and holding the required driving licence, may use it; the policyholder, holder or owner must not knowingly allow use by an unauthorized or unlicensed driver.
Claim notification deadline
Any incident that may result in a claim must be reported to Debeka within one week.
Bonus-malus rules
Premiums follow a no-claims discount (Schadensfreiheitsrabatt) system with classes from M (worst) through 0, ½, 1 up to SF 50; a claim-free year moves the contract one class better, while one or more claims in a calendar year move it several classes worse, per the published class tables.
Territorial scope
The Motor Third-Party Liability Insurance provides cover within the geographic borders of Europe and the non-European territories belonging to the EU, applying at minimum the contractually agreed cover even if local statutory minimums are lower.
Documents
Policy specifics
Geographic coverage territory
Cover applies within the geographical borders of Europe and the non-European territories of the EU; an International Insurance Card (Green Card) extends it to the non-European countries listed on it.
SourcePage 1Section: Wo bin ich versichert?
Sie haben Versicherungsschutz in den geographischen Grenzen Europas sowie den außereuropäischen Gebieten, die zum Geltungsbereich der Europäischen Union gehören.
Liability coverage limits
Motor Third-Party Liability Insurance provides a flat liability sum of EUR 100 million for personal injury, property damage and financial loss combined, up to EUR 15 million per injured person for bodily injury.
SourceSection: Leistungen > Welche Leistungen Ihnen die Kfz-Versicherung für PKW der Debeka im Detail bietet
Deckungssumme (pauschal / Personenschaden) 100 Mio. Euro / 15 Mio. Euro
Claim notification requirement
Policyholder must notify insurer of any claim within one week that may result in insurer liability
SourcePage 1Section: Welche Verpflichtungen habe ich?
Zeigen Sie uns jeden Schadensfall, der zu einer Leistung durch uns führen kann, innerhalb einer Woche an.
Premium payment requirement
Premiums must be paid timely and in full for coverage to be maintained
SourcePage 1Section: Welche Verpflichtungen habe ich?
Die Versicherungsbeiträge müssen Sie rechtzeitig und vollständig bezahlen.
Duty to provide accurate information
Policyholder must truthfully and completely answer all questions in the application
SourcePage 1Section: Welche Verpflichtungen habe ich?
Sie müssen alle Fragen im Antrag wahrheitsgemäß und vollständig beantworten.
Duty to notify changes
Policyholder must promptly notify insurer of any changes to characteristics affecting premium calculation
SourcePage 1Section: Welche Verpflichtungen habe ich?
Teilen Sie uns alle Änderungen zu den Merkmalen für die Beitragsberechnung unverzüglich mit.
Sources
- debeka.dehttps://www.debeka.de/content/dam/de/webauftritt/vertragsgrundlagen/Kfz-Versicherung/IIIAV688.pdf#page=4(opens in a new tab)
- debeka.dehttps://www.debeka.de/content/dam/de/webauftritt/vertragsgrundlagen/Kfz-Versicherung/IPIDFZ3.pdf#page=1(opens in a new tab)
- debeka.dehttps://www.debeka.de/privatkunden/zuhausefahrenreisen/automotorradco/kfzversicherung.html(opens in a new tab)
- debeka.dehttps://www.debeka.de/service/bedingungen/Kfz-Versicherung/BFZ1.pdf#page=10(opens in a new tab)
- debeka.dehttps://www.debeka.de/service/bedingungen/Kfz-Versicherung/BFZ1.pdf#page=13(opens in a new tab)
- debeka.dehttps://www.debeka.de/service/bedingungen/Kfz-Versicherung/BFZ1.pdf#page=15(opens in a new tab)
- debeka.dehttps://www.debeka.de/service/bedingungen/Kfz-Versicherung/BFZ1.pdf#page=4(opens in a new tab)
- debeka.dehttps://www.debeka.de/service/bedingungen/Kfz-Versicherung/BFZ1.pdf#page=5(opens in a new tab)
Debeka Motor third-party liability