Feuersozietät Berlin Brandenburg Versicherung Aktiengesellschaft

Territorial scope

Liability cover applies within the geographical borders of Europe and the non-European territories of EU member states; the scope follows the statutory minimum cover of the country visited, at least at the level agreed in the contract.

Green card rules

If an International Motor Insurance Card (Green Card) has been issued, cover extends to the non-European countries listed on it whose names are not struck through, applying that country's statutory scope.

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.

Mallorca Police

Not established from the insurer's documents

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

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)

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)

New replacement value guarantee

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

Purchased value guarantee

Not established from the insurer's documents

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

Glass repair without deductible

Free glass damage repair with no deductible charged

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.

Protection letter (Schutzbrief)

Europe-wide breakdown and emergency assistance coverage

Workshop service (Werkstatt Service)

Optional workshop service module for vehicle repairs

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.

Automated/autonomous driving system damage cover (Cyber)

Liability cover also applies to damage caused by the use of the vehicle where failing or faulty automated or autonomous driving systems are the cause.

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.

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).

Vehicle use restriction

Kfz Vario covers private cars without rental business use

Gross negligence coverage

Not established from the insurer's documents

Liability coverage despite gross negligence by policyholder

Extended elemental damage coverage

Not established from the insurer's documents

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

Vehicle content coverage

Not established from the insurer's documents

Contents of the vehicle (personal items) are included in coverage

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.