DEVK Deutsche Eisenbahn Versicherung Sach- und HUK-Versicherungsverein a.G. (DEVK Insurance Group)
DEVK
DEVK is a motor third-party liability insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
DEVK pays valid third-party claims directly in cash to the injured party under the Motor Third-Party Liability Insurance; unjustified claims are defended by DEVK at its own expense.
Geographic scope
Europe and EU territories
Coverage applies within the geographical borders of Europe and non-European territories belonging to the European Union; scope follows the statutory minimum required in the visited country. Coverage extends to non-European countries listed on DEVK's International Motor Insurance Card, unless the country name is struck through.
Starting price
€13
Indicative — pricing assumptions not stated
Unique selling points
- Flat-rate liability cover of up to 100 million EUR combined for personal injury, property damage and financial loss, well above Germany's statutory minimum of 7.5 million EUR.
- Built-in own-damage cover (Eigenschadendeckung) within the liability policy compensates damage the policyholder causes to their own other vehicles, buildings or property, up to 150,000 EUR per year in Premium-Schutz.
- Mallorca-Police extends liability cover free of charge to rented cars, motorhomes and motorcycles abroad in Komfort- and Premium-Schutz.
- Free toll-free 24/7 claims and service hotline included with every policy.
- Electric vehicles receive a 15% discount on the motor liability premium under DEVK's eco tariff.
Coverage limits
Bodily Injury Liability
€7,500,000 – €15,000,000
At contract inception you may choose either a flat-rate cover (Pauschaldeckung) of 100 million EUR for combined personal injury, property damage and financial loss claims, with personal injury capped at 15 million EUR per injured person, or the statutory minimum sum of 7.5 million EUR for personal injury claims. This choice is available identically in Basis-, Komfort- and Premium-Schutz.
Property Damage Liability
€1,300,000 – €100,000,000
Statutory minimum cover for property damage is 1.3 million EUR (per the 01.10.2025 edition; the 01.04.2024 edition stated 1.22 million EUR, since revised). Alternatively, the 100 million EUR flat-rate cover (Pauschaldeckung) applies to property damage jointly with personal injury and financial loss claims, without a separate property-damage sub-limit.
Legal Defence Against Unjustified Claims
Covered
DEVK defends unjustified or excessive third-party claims at its own cost; the AKB does not state a separate monetary limit for this defence cost distinct from the liability sums insured.
International Motor Insurance Card (Green Card)
Covered
DEVK issues an International Motor Insurance Card extending liability coverage to the non-European countries listed on it, as long as the country designation is not struck through.
Roadside Assistance (Autoschutzbrief / Auto Plus)
Conditional
Auto Plus (breakdown/accident assistance, towing, recovery, replacement mobility) is automatically included in Premium-Schutz. In Basis- and Komfort-Schutz it is an optional paid add-on that can be requested at contract inception.
Driver Accident Protection (Fahrer-Schutzversicherung)
€12,000,000
Fahrer-Schutzversicherung can be added on request for passenger cars and motorhomes (Wohnmobil), regardless of the chosen tier. It compensates the driver's own bodily injury from an accident while driving, as if a third party were liable, up to 12 million EUR per claim.
Passenger/Occupant Accident Insurance (Kfz-Unfallversicherung)
€10,000 – €20,000
Kfz-Unfallversicherung under the flat-rate system (Pauschalsystem) is automatically included in Premium-Schutz for cars, motorhomes, motorcycles and trikes, with 10,000 EUR payable on death and 20,000 EUR on disability; higher sums can be requested. In Basis- and Komfort-Schutz it is only available as an optional paid add-on.
Key conditions
Territorial scope
Coverage applies within the geographical borders of Europe and non-European territories belonging to the EU; the scope follows at least the statutory minimum coverage required in the country visited.
Green card rules
Coverage extends to the non-European countries listed on DEVK's International Motor Insurance Card, provided the country name has not been struck through.
Driver restrictions
The vehicle may only be driven by a person authorized by the party entitled to dispose of the vehicle who holds the required driving licence; driving under the influence of alcohol or other intoxicating substances is not covered and violates policy obligations.
Claim notification deadline
Any event that may give rise to a claim must be reported to DEVK within one week; if police or public prosecutors investigate the event, this must be reported without delay, even if the claim was already notified.
Bonus-malus rules
Premiums follow a no-claims discount system (SF-Klassen) re-evaluated annually based on the previous calendar year's claims history: at least six claim-free months lead to a better class, while claims lead to a step-back, per the tables in Annex 1 of the AKB.
Where to buy
Documents
Kfz Insurance AKB & Customer Information (Stand 01.10.2025)
Terms & conditions
IPID Information Sheet for Motor Insurance (10/2025 edition)
IPID
Benefits Overview Table for Passenger Cars (Stand 01.10.2025)
Table of benefits
Kfz Insurance AKB & Customer Information (Stand 01.04.2025)
Terms & conditions
Kfz Insurance AKB & Customer Information (Stand 01.04.2024)
Terms & conditions
IPID Information Sheet for Motor Insurance (02/2024 edition)
IPID
Policy specifics
Motor Environmental Damage Insurance
Optional extension to Motor Third-Party Liability Insurance covering public-law claims for remediation of environmental damages
SourceForeign Vehicle Coverage (Mallorca Policy)
Coverage for damages caused while driving foreign vehicles in Comfort and Premium protection levels
SourceFlat-Rate Coverage Limit
Motor Third-Party Liability Insurance provides coverage up to 100 million euros for personal injury, property damage, and financial losses
SourceProduct Protection Levels (Variants)
Motor Third-Party Liability Insurance is offered in three protection levels: Basis, Komfort (Comfort), and Premium, with varying service scopes
SourceMotor Sport Activity Exclusion
No coverage for damages arising from use of vehicle at motor sport events, races, competitions, training, tests, or demonstrations
SourceClaims Settlement Procedure
For valid claims, DEVK pays compensation directly in cash; for invalid claims, DEVK defends against them at its own expense
SourceTwo-Week Application Acceptance Presumption
Application for Motor Third-Party Liability Insurance for motorcycles, cars, and combination vehicles up to 1 tonne is presumed accepted under Mandatory Insurance Law if DEVK does not reject in writing within two weeks
Source