EUROPA-go Motor third-party liability (Kfz Haftpflichtversicherung)

Flat EUR 100 million lump-sum liability cover across personal injury, property damage, financial loss and environmental damage — far above the statutory minimum.

Bodily injury liability capped at EUR 15 million per injured person, well above typical market minimums.

Built-in environmental damage cover (Kfz-USV) up to EUR 5 million per event and EUR 10 million per year, automatically included in the liability policy.

24/7 accident and breakdown hotline with fully digital, stress-free online claims reporting.

Driver restrictions

The vehicle may only be used by an authorized driver holding the legally required driving licence; it must not be driven, or knowingly allowed to be driven, by anyone under the influence of alcohol or other intoxicants that impair safe driving.

Claim notification deadline

Any event that could trigger a claim must be reported in text form (e.g. letter, fax, e-mail) within one week; reporting the claim immediately to the 24-hour accident and breakdown hotline also counts as notification.

Bonus-malus rules

The contract is classified into no-claims discount classes (SF classes, e.g. SF 1/2 up to SF 50) based on claims history; a claim-free calendar year leads to an improved classification, while a claim-burdened year leads to a downgrade according to the tables in Annex 1 of the AKB.

Territorial scope

Coverage applies within the geographic borders of Europe and the non-European territories that belong to the European Union; with an International Motor Insurance Card, cover also extends to additional non-European countries listed on the card unless crossed out.