NÜRNBERGER Motor third-party liability (Autoversicherung)

Liability cover of up to 100 million EUR for personal, property and financial damage, with a 15 million EUR per-person cap — above many market minimums.

Mallorca Policy is included as standard, extending cover to accidents caused with rental vehicles abroad in Europe.

Auslandsschadenschutz settles claims according to German law in 26 European countries at no extra premium.

The Fahrer Plus app lets policyholders add extra drivers for up to 30 days, bookable up to 21 days in advance, without changing the main policy.

Driver restrictions

The vehicle may only be used by a driver authorised by the person entitled to dispose of it, who holds the required driving licence and is not impaired by alcohol or other intoxicants; additional drivers can be temporarily added via the Fahrer Plus app for up to 30 days, bookable up to 21 days in advance.

Claim notification deadline

Any event that may lead to a claim must be reported within one week; theft of the vehicle must be reported immediately in text form; property damage claims not exceeding 500 EUR may first be self-settled and only need to be reported if self-settlement fails.

Bonus-malus rules

The no-claims class (SF-Klasse) and premium rate follow the claims history per the SF tables; a claim normally lowers the class the following year unless the Rabattschutz add-on is selected, which keeps the class unchanged after the first liability and first comprehensive claim per calendar year; a downgrade can also be avoided by voluntarily refunding a claims payment of up to 1,000 EUR within 12 months of notification.

Territorial scope

Cover applies within the geographic borders of Europe, the European and Asian parts of Turkey, and non-European territories belonging to the EU; the scope follows the level legally required in the country visited, at least the level of the German contract.