die Bayerische Insurance Group (formerly Bayerische Beamten Versicherungen / BBV), parent company BY die Bayerische Vorsorge Lebensversicherung a.G.
die Bayerische
die Bayerische is a motor third-party liability insurance for the Germany market with online purchase and limited assistance availability.
Direct payment
If claims are justified, the insurer pays cash compensation directly; if claims are unjustified, the insurer defends against them at its own cost and is authorised to settle or reject claims asserted against the policyholder in the policyholder's name.
Geographic scope
Europe and non-European EU territories
Coverage applies within the geographic boundaries of Europe and the non-European territories that belong to the scope of the European Union; the extent of cover follows the legally required scope in the country visited, but at least the scope agreed in the contract.
Unique selling points
- Best-Leistungs-Garantie: for an extra premium, events not covered by the agreed MTPL tariff but covered by a comparable competitor tariff are automatically included.
- Mallorca clause is included as standard, extending liability cover to rented cars on private trips in Europe (explicitly including Germany and the Asian part of Turkey) for 3 months from rental.
- No-claims discount (Schadenfreiheitsrabatt) is retained for up to 10 years after deregistering the last vehicle, compared with the market-typical 7 years.
- First-time policyholders can start at no-claims class SF 1/2 if they have held a driving licence for at least three years, giving a lower starting premium than the standard entry class.
Coverage limits
Bodily injury liability coverage
Covered
Covers third-party claims for personal injury or death caused by use of the insured vehicle, up to the sums insured agreed in the policy schedule; the exact insured sums are not stated in the AKB/IPID and must be taken from the individual Versicherungsschein.
Property damage liability coverage
Covered
Covers third-party property damage claims from use of the insured vehicle, including repair/replacement costs and consequential losses such as loss of use and diminution in value, up to the agreed sums insured stated in the policy schedule.
Passive legal defence against unjustified claims
Covered
If asserted claims are unjustified, the insurer defends against them at its own expense and conducts any resulting legal dispute with the claimant on the policyholder's behalf; this is described as a form of 'passive' legal protection built into the MTPL cover, but no cost ceiling is stated.
International Insurance Card (Green Card) coverage extension
Covered
If the insurer has issued an International Insurance Card, MTPL cover extends to the non-European countries listed on the card, provided the country name is not crossed out; the scope of cover in the visited country otherwise follows A.1.4.1.
Roadside assistance / breakdown cover (Autoschutzbrief)
Optional
Roadside and breakdown assistance is provided under the Autoschutzbrief, a legally separate contract that can only be taken out alongside (not instead of) the MTPL policy; it covers, for example, restoring roadworthiness at the scene (up to €100), towing (up to €200) and additional help for breakdown, accident or theft more than 50 km from the policyholder's home.
Driver accident insurance (Fahrer-Unfallversicherung)
Optional
A legally separate, optional contract (not available with statutory minimum sums) that indemnifies the authorised driver's actual personal injury loss (e.g. loss of earnings, survivors' pension, pain and suffering) as if a third party were liable, applying German statutory tort compensation rules, up to the agreed sum insured.
Occupant accident insurance (Kfz-Unfallversicherung)
Optional
A legally separate, optional lump-sum accident contract for vehicle occupants (driver and passengers), paying agreed sums for invalidity, daily allowance, hospital daily allowance or death, under either a Pauschalsystem (per-vehicle sum shared among occupants) or Platzsystem (per-seat sum).
Key conditions
Territorial scope
Cover applies within the geographic boundaries of Europe and the non-European territories that belong to the scope of the European Union; the scope of cover follows the legally prescribed minimum of the country visited, but at least the scope agreed in the contract.
Green card rules
Where an International Insurance Card (Green Card) has been issued, MTPL cover also extends to the non-European countries listed on it, unless the country name is crossed out.
Driver restrictions
The vehicle may only be driven by an authorised driver (someone using it with the knowledge and consent of the person entitled to dispose of it) who holds the required driving licence; a legally imposed driving ban is treated the same as lacking a licence. The vehicle must not be driven, and must not knowingly be allowed to be driven, by a driver unfit due to alcohol or drugs.
Claim notification deadline
Every claim event that may lead to a payment must be reported within one week; if third-party claims are asserted against the policyholder out of court, this must also be reported within one week, and court claims must be reported without delay (unverzüglich). Self-settled property damage of no more than €500 need only be reported if self-settlement is unsuccessful.
Bonus-malus rules
The contract is classified into a no-claims class (SF-Klasse) that determines the premium rate, ranging for cars from SF 0 (108% of the base KH rate) to SF 50 (17%); reclassification takes place each 1 January based on the claims history of the preceding calendar year. An optional 'Rabattschutz' (bonus protection) can be agreed if the contract is at least in SF-Klasse 10 in both MTPL and comprehensive cover and all drivers are at least 23 years old; a claim can also be 'bought back' (voluntarily reimbursed to the insurer, up to €1,000, within twelve months) to keep the contract classified as claim-free.
Where to buy
Policy specifics
Liability coverage for personal injury
Core coverage for third-party personal injury claims arising from motor vehicle use
SourceLiability coverage for property damage
Third-party property damage claims from motor vehicle accidents, including repair costs and loss in value
SourceGeographic coverage within EU and EEA
Coverage applies within geographic boundaries of Europe and EU member territories
SourceImmediate claim notification
Policyholder must report each claim immediately to the insurer, even if no third-party claim has been filed yet
SourcePremium payment requirement
First insurance premium must be paid on time and in full; coverage begins only upon timely payment
SourceDuty to mitigate damages
Policyholder must take reasonable steps to prevent or minimize damage, and cooperate in claims investigation with truthful reports
SourceAlcohol and drugs driving prohibition
Policyholder must not operate the vehicle under the influence of alcohol or drugs; violation may result in loss of coverage
SourceBest Performance Guarantee
Optional enhancement that extends coverage for events not included in the standard policy but covered by competitor policies of same tier
SourceMallorca Clause (rental car coverage)
Extends liability coverage to rental vehicles driven on private trips within EU countries, providing additional liability protection beyond rental company insurance
Source