EUROPA Motor third-party liability (Kfz Haftpflichtversicherung)
Underwritten by EUROPA Versicherung AG · Germany
motor third-party liability insurance from EUROPA for the Germany market, with online purchase and 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2025-10-01Sources
Unique selling points
Flat €100 million combined liability sum insured for personal, property, financial and environmental damage — far above the statutory minimum.
Personal injury liability capped at a generous €15 million per injured person.
Built-in environmental liability cover under the Umweltschadensgesetz up to €5 million per event / €10 million per year, with no extra premium.
Optional Rabattschutz lets you keep one claim per year without losing your accumulated no-claims discount.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€15M
Defence against unfounded claims
Covered
If a third-party claim is unfounded, either in whole or in amount, EUROPA defends against it at its own cost as part of the mandatory MTPL cover (no separate legal-expenses sum insured is stated).
International Insurance Card (Green Card)
Covered
Cover extends to non-European countries listed on the International Insurance Card issued by EUROPA on request, unless the country is crossed out on the card; the card must be valid at the date of loss.
Kfz-Schutzbrief (roadside/breakdown assistance)
Optional
Optional add-on (Kfz-Schutzbrief), sold only together with MTPL for the same vehicle and only if separately requested; its premium is included in the MTPL premium only if applied for. Covers breakdown/accident/theft help across Europe with sub-limits, e.g. roadside repair up to €103 if self-organised, towing up to €154, up to 3 nights' accommodation at €90/night, rental car abroad up to €630, and misfuelling costs up to €500.
Driver personal accident cover
No limit stated
No standalone driver accident (Kfz-Unfallversicherung) cover is part of this MTPL product; the AKB only comprises Kfz-Haftpflicht, Kasko and Kfz-Schutzbrief.
Key conditions
Driver restrictions
The vehicle may only be used by an authorised driver holding the required driving licence; driving under the influence of alcohol or other intoxicants is prohibited, and use at unauthorised motorsport events/races is excluded from cover.
Claim notification deadline
The policyholder must notify EUROPA in text form of any loss event that could trigger a claim within one week; reporting to the 24-hour accident and breakdown hotline counts as notification.
Bonus-malus rules
The contract is reclassified each calendar year into a no-claims class (SF-Klasse) based on the claims history per the scales in Annex 1: a claim-free year leads to an upgrade, a claim-burdened year to a downgrade. Claims history from another vehicle or insurer can be transferred if the ceded vehicle belongs to the same or a higher vehicle group, the request is made within 10 years of the change of predominant use or contract end, the transfer is irrevocable, and MTPL and comprehensive (Vollkasko) histories are only taken over together.
Territorial scope
Coverage applies within the geographical boundaries of Europe and the non-European EU territories; at minimum the statutory insurance scope of the visited country applies. Extension to further non-European countries is possible via the International Insurance Card (Green Card), except for countries crossed out on the card.
Documents
General Terms and Conditions for Motor Insurance (AKB), edition 10/2024 (opens in a new tab)
Terms & conditions · PDF
Contract information for motor insurance incl. AKB and Kfz-USV supplementary conditions, edition 01.10.2025 (opens in a new tab)
Terms & conditions · PDF
Summary overview of differences between the Basis and Komfort tariff (PKW), edition 10/2025 (opens in a new tab)
Table of benefits · PDF
Policy specifics
Environmental liability
Covers public-law claims under the Environmental Damages Act (USchadG) arising from motor vehicle use
SourceClause 5Page 57Section: 5. Ergänzende Bedingungen für die Kfz-Umweltschadensversicherung (Kfz-USV) > Einleitung
Die nachfolgenden Bestimmungen zur Kfz-Umweltschadensversicherung ergänzen die Regelungen zur Kfz-Haftpflichtversicherung in Ihren AKB.
Third-party liability coverage
Covers personal injuries and property damage caused to third parties and damage from vehicle use
SourceClause A.1.1.1Page 12Section: A Welche Leistungen umfasst Ihre Kfz-Versicherung? > A.1 Kfz-Haftpflichtversicherung > A.1.1 Was ist versichert?
Wir stellen Sie und die mitversicherten Personen von Schadenersatzansprüchen frei, wenn durch den Gebrauch des Fahrzeugs […] a Personen verletzt oder getötet werden, […] b Sachen beschädigt oder zerstört werden oder abhandenkommen,
Mallorca cover (foreign rental vehicle liability top-up)
Extends MTPL cover to damage caused while driving a rented, compulsorily-insured car or motorcycle abroad on a temporary private trip (max. one month), topping up the foreign policy's liability sum up to the sum insured agreed with EUROPA.
SourceOwn-damage extension (Pkw)
Extends MTPL cover to property damage the policyholder causes with the insured car to another vehicle registered to them, a building they own, or other owned property (excluding electronic/optical devices); €500 deductible per event, capped at €100,000 per policy year.
SourceGeographic coverage
Coverage applies in geographical Europe and EU member state territories; extended coverage for non-European countries with International Insurance Card (Green Card)
SourceInsured persons
Policyholder, authorized drivers, vehicle owner, vehicle custodian, and other parties specified in contract conditions (AKB A.1.2)
SourceClause A.1.2Page 13Section: A Welche Leistungen umfasst Ihre Kfz-Versicherung? > A.1 Kfz-Haftpflichtversicherung > A.1.2 Wer ist versichert?
Der Schutz der Kfz-Haftpflichtversicherung gilt für Sie und für folgende Personen (mitversicherte Personen): […] – den Halter des Fahrzeugs, – den Eigentümer des Fahrzeugs, – den Fahrer des Fahrzeugs,
Premium payment obligation
Policyholder must pay all premiums in full and on time as specified in contract; failure may result in contract termination
SourceInternational Insurance Card (Green Card)
Extended third-party liability coverage for non-EU/EEA countries; issued by insurer upon request; lists countries covered and crossed-out countries requiring separate border insurance
SourceClause A.1.4.2Page 14Section: A Welche Leistungen umfasst Ihre Kfz-Versicherung? > A.1 Kfz-Haftpflichtversicherung > A.1.4 In welchen Ländern besteht Versicherungsschutz? > A.1.4.2 Internationale Versicherungskarte
Haben wir Ihnen die internationale Versicherungskarte ausgehändigt, gilt: […] Ihr Versicherungsschutz in der Kfz-Haftpflichtversicherung erstreckt sich auch auf die dort genannten nichteuropäischen Länder, soweit Länderbezeichnungen nicht durchgestrichen sind.
Sources
EUROPA Motor third-party liability