ERGO Motor third-party liability (Kfz Haftpflicht)

Flat liability sum of 100 million euros per event, including up to 15 million euros per injured person, well above Germany's statutory minimum limits.

Environmental liability cover up to 5 million euros per claim (10 million euros per year) is bundled into the standard Kfz-Haftpflicht policy.

The Mallorca Policy extends German-level liability limits to vehicles rented abroad as standard, closing gaps left by lower local minimum cover.

Claims can be reported around the clock online or by phone through ERGO's 24-hour claims service.

Driver restrictions

Cover extends to the policyholder plus the vehicle's registered keeper, owner, authorized driver, certain passengers/employees under specific conditions, and the employer if the vehicle is used for business with the policyholder's consent; only drivers holding the legally required driving licence may use the vehicle.

Claim notification deadline

Every event that could lead to a claim must be reported to ERGO without delay; claims asserted against the policyholder out of court must be reported within one week of being raised.

Bonus-malus rules

Premiums follow an annually re-graded no-claims discount system (Schadenfreiheitsklassen); the Smart tier applies steeper downgrading after a claim, while the Best tier allows the optional Rabattschutz add-on to protect the no-claims class from one Kfz-Haftpflicht and one Vollkasko claim per calendar year.

Territorial scope

Cover applies within the geographic borders of Europe plus non-European territories belonging to the EU; extended validity applies in non-European countries listed on the Green Card (excluding any crossed-out countries); the Mallorca Policy covers rental vehicles abroad at German liability levels.