Extracted from source documents

Feuersozietät Motor third-party liability (Kfz Vario)

Underwritten by Feuersozietät Berlin Brandenburg Versicherung Aktiengesellschaft · Germany

motor third-party liability insurance from Feuersozietät for the Germany market, with online purchase and 24/7 assistance.

Verified Aug 28, 2026 · Terms dated 2020-07-01Sources

Online purchase24/7 helpline

Unique selling points

Liability cover of EUR 100 million per event and EUR 15 million per injured person, far above Germany's statutory minimums.

The Mallorca-Police for liability claims from temporarily rented cars, motorhomes and motorcycles abroad is included at no extra cost.

Liability cover explicitly extends to accidents caused by failing or faulty automated or autonomous driving systems.

Kfz Vario FahrStil rewards young drivers with a guaranteed 30% starting discount rising to 45% for safe driving behaviour.

Round-the-clock SchadenSoforthilfe claims support.

Coverage limits

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

€15M

Covered

Defence against unfounded claims

Covered

If a third-party claim against the policyholder is unfounded, in whole or in part, Feuersozietät defends the claim at its own expense, including any legal costs, with no separately stated sub-limit.

Covered

Green Card cover

Covered

Where an International Motor Insurance Card (Green Card) has been issued, liability cover extends to the non-European countries listed on it that are not struck through, at least at the statutory minimum cover of the country visited.

Optional

Roadside and breakdown assistance (Schutzbrief)

Optional

Available only as the optional Ergänzungsschutz Schutzbrief add-on alongside Kfz-Haftpflicht for the same vehicle: on-site breakdown help up to EUR 150, towing up to EUR 200 (uncapped if the 24/7 emergency line is called and organises help), misfuelling clean-up up to EUR 500, up to three nights' accommodation at EUR 80 per night, a rental car for up to 7 days at EUR 70 per day, rental-car costs abroad up to EUR 500, and trip-interruption costs up to EUR 2,500.

Driver accident coverage

No limit stated

No standalone personal accident insurance for the driver is offered within Kfz Vario; the driver is only protected via third-party bodily injury liability if injured while not driving (e.g. as a passenger).

Excluded

Passenger accident/injury cover

Excluded

There is no standalone passenger accident insurance in this product; AKB section A.4 is marked 'entfallen' (not applicable). Authorised passengers are only protected via the Kfz-Haftpflicht liability cover: if a passenger suffers bodily injury and has no other liability cover, compensation is paid out of the same EUR 15 million per-person liability sum, not from a separate accident sum.

Clause A.4Page 11

Section: I Allgemeine Bedingungen für die Kraftfahrtversicherung (AKB) > A Welche Leistungen umfasst Ihre Kfz-Versicherung? > A.4 entfallen

A.4 entfallen

Key conditions

Driver restrictions

The car may only be used by an authorised driver holding the required driving licence; driving while impaired by alcohol or drugs is prohibited. The circle of permitted drivers is a premium rating factor, and for a special no-claims class the vehicle must be driven exclusively by people aged 25 or over, or by family members living in the same household.

Claim notification deadline

Any event that may lead to a claim must be reported within one week; theft must be reported immediately in text form, and to the police as well if the loss exceeds EUR 500. Third-party claims raised against the policyholder must also be reported within one week, though property damage claims below EUR 500 may first be settled directly by the policyholder.

Bonus-malus rules

New contracts start in class 0 (100% of the base premium) unless a special starting class applies. The premium rate falls to as low as SF 50 (17%) after 50 claim-free years, while claims lead to step-backs under the tables in Annex 1, down to class M (120%). The optional Rabattschutz prevents a step-back for the first claim per calendar year, and a step-back can also be avoided by voluntarily refunding the claims payment (up to EUR 1,200 in liability) within six months.

Territorial scope

Liability cover applies within the geographical borders of Europe and EU member state territories outside Europe; if a Green Card is issued, cover extends to the additional non-European countries listed on it that are not struck through.

Documents

IPID – Motor insurance for private cars (Kfz Vario, Tariff 07.2025) (opens in a new tab)

Product information sheet · PDF

General Terms and Conditions for Motor Insurance (AKB), Kfz Vario for private cars without rental use – Anlage 3609 (opens in a new tab)

Terms & conditions · PDF

AKB terms and conditions – portal copy hosted by Check24 (07/2024 edition) (opens in a new tab)

Other document · PDF

Policy specifics

Mallorca Police

Liability coverage extension for rental car use abroad; included in Kfz Vario tariff

SourceClause A.1.1.6Page 3

Section: A Welche Leistungen umfasst Ihre Kfz-Versicherung? > A.1 Kfz-Haftpflicht - für Schäden, die Sie mit Ihrem Pkw Anderen zufügen > A.1.1 Was ist versichert? > Führen fremder gemieteter Fahrzeuge im Ausland (Mallorca-Police)

A.1.1.6 Der Versicherungsschutz für ein als Pkw zur Eigenverwendung zugelassenen Fahrzeugs umfasst auch Schäden, die Sie, Ihr Ehegatte oder Ihr mit Ihnen in häuslicher Gemeinschaft lebender Lebenspartner als Fahrer eines vorübergehend gemieteten, versicherungspflichtigen fremden Pkw, Wohnmobils oder Kraftrades über 50 ccm auf einer Reise im Ausland von einem gewerbsmäßigen Vermieter als Selbstfahrvermiet-Fahrzeug, also ein Kraftfahrzeug, das gewerbsmäßig ohne Gestellung eines Fahrers vermietet wird, verursachen.

Animal collision and bite coverage

Not established from the insurer's documents

Coverage for accidents with all types of animals and animal bite damage up to EUR 5,000 (standard) or unlimited (Kasko-Plus)

SourceThird-party source, not the insurer's document

Section: Vorteile der Tarife der Feuersozietät Berlin Brandenburg Kfz-Versicherung

Unfälle mit Tieren aller Art sowie Tierbiss und dessen Folgeschäden sind bis 5.000 Euro gedeckt.

Special equipment (accessories) coverage

Not established from the insurer's documents

Vehicle special equipment/accessories coverage up to EUR 5,000 (standard) or EUR 20,000 (Kasko-Plus)

SourceThird-party source, not the insurer's document

Section: Vorteile der Tarife der Feuersozietät Berlin Brandenburg Kfz-Versicherung

Zusätzlich ist Sonderausstattung bis 5.000 Euro versichert.

New replacement value guarantee

Replacement value compensation for 36 months on damage, theft, or total loss (Vollkasko coverage)

Source

Section: Häufig gestellte Fragen rund um die Autoversicherung

36 Monate Neupreisentschädigung bei Beschädigung, Diebstahl oder Totalschaden

Purchased value guarantee

Not established from the insurer's documents

Purchase price compensation for used vehicles on theft or total loss for 24 months

SourceThird-party source, not the insurer's document

Section: Vorteile der Tarife der Feuersozietät Berlin Brandenburg Kfz-Versicherung

Der Tarif Vario Kasko-Plus bietet zudem eine Neu- bzw. Kaufpreisentschädigung bis zu 24 Monate nach (Erst-)Zulassung.

Glass repair without deductible

Free glass damage repair with no deductible charged

Source

Section: Häufig gestellte Fragen rund um die Autoversicherung

Glasbruch & Glasreparatur

Discount protection (Rabattschutz)

An optional module that prevents a step-back in the no-claims (SF) class in liability and comprehensive cover for the first claim in a calendar year, provided the vehicle is driven only by people aged 25 or older.

Source

Protection letter (Schutzbrief)

Europe-wide breakdown and emergency assistance coverage

Source

Section: Häufig gestellte Fragen rund um die Autoversicherung

Wenn Sie den Schutzbrief in Kombination mit einer Haftpflichtversicherung für Ihr Fahrzeug abschließen, erhalten Sie rund um die Uhr in ganz Europa Pannen- und Unfallhilfe.

Kfz Vario FahrStil telematics option

A telematics-based discount programme for the Kfz-Haftpflicht and comprehensive premium: a guaranteed 30% starting discount, followed by a driving-behaviour-based discount of up to 45% from the second year.

Source

Motor environmental damage insurance

A legally separate cover, sold together with Kfz-Haftpflicht, that indemnifies the policyholder against public-law remediation claims under the Environmental Damage Act arising from an accident, breakdown or sudden operational disturbance.

Source

Maximum liability coverage limit

Feuersozietät markets a blanket liability sum of EUR 100 million per event, capped at EUR 15 million per injured person, well above the German statutory minimums of EUR 7.5 million (bodily injury), EUR 1.3 million (property damage) and EUR 50,000 (financial loss).

Source

Section: Häufig gestellte Fragen rund um die Autoversicherung

Der Staat gibt für die Haftpflichtversicherung von Fahrzeugen eine Mindestdeckung vor. Diese deckt 1,3 Mio. Euro für Sachschäden, 7,5 Mio. Euro für Personenschäden und 50.000 Euro im Falle von Vermögensschäden.

Vehicle use restriction

Kfz Vario covers private cars without rental business use

Source

Gross negligence coverage

Not established from the insurer's documents

Liability coverage despite gross negligence by policyholder

SourceThird-party source, not the insurer's document

Section: Vorteile der Tarife der Feuersozietät Berlin Brandenburg Kfz-Versicherung

Deckung bei grober Fahrlässigkeit, die Mallorca-Police als auch eine erweiterte Deckung von Elementarschäden sind im Tarif enthalten.

Extended elemental damage coverage

Not established from the insurer's documents

Enhanced coverage for elemental damage (storm, hail, flooding, etc.)

SourceThird-party source, not the insurer's document

Section: Vorteile der Tarife der Feuersozietät Berlin Brandenburg Kfz-Versicherung

Deckung bei grober Fahrlässigkeit, die Mallorca-Police als auch eine erweiterte Deckung von Elementarschäden sind im Tarif enthalten.

Autonomous/automated driving system damage protection

Not established from the insurer's documents

Coverage for damages from malfunctioning or faulty automated/autonomous driving systems

SourceThird-party source, not the insurer's document

Cap on insurer's recourse for breach of duty

Even where the policyholder or an insured person breaches a duty (e.g. under D.1/D.2), the insurer's right to refuse or reduce payment in Kfz-Haftpflicht towards claimants is capped at EUR 5,000 per person, with the statutory minimum sums still applying.

Source

Sources

Feuersozietät Motor third-party liability

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