Generali Deutschland AG
Generali
Generali is a motor third-party liability insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
Generali settles justified third-party liability claims directly with the injured party and notifies the policyholder of the settlement; unfounded claims are defended at Generali's own cost.
Geographic scope
Germany
Cover applies within the geographic borders of Europe and the non-European territories belonging to the EU; scope follows at least the statutory requirements of the country visited.
Unique selling points
- Motor liability automatically includes environmental damage cover (Kfz-Umweltschadenversicherung) up to EUR 5,000,000 per claim and EUR 10,000,000 per policy year.
- The optional FahrerPLUS rider provides a dedicated Unfallassistent offering personalised rehabilitation and case-management support for 3 years (adults) or 5 years (children) after an accident.
- The optional MeinTierPLUS rider uniquely covers the policyholder's own dogs and cats if injured or killed while travelling in the insured vehicle during an accident.
- A Green Card extends third-party liability protection to additional non-European countries beyond the mandatory EU/EEA territorial scope.
Coverage limits
Bodily Injury Liability
Not established from the insurer's documents
Indemnifies the policyholder against third-party claims for bodily injury or death caused by use of the insured vehicle; the specific insured sum is stated in the individual policy schedule and, when driving abroad, cover follows at least the visited country's statutory minimum.
Property Damage Liability
Not established from the insurer's documents
Indemnifies the policyholder against third-party claims for damage to, destruction or loss of property caused by use of the insured vehicle, up to the sum agreed in the policy schedule.
Defence Against Unfounded Claims
Not established from the insurer's documents
The insurer defends the policyholder at its own cost against liability claims that are unfounded, or unfounded as to amount, arising from use of the vehicle.
Green Card / International Motor Insurance Card
Not established from the insurer's documents
If issued, the Green Card extends liability cover to the additional non-European countries listed on it (where not crossed out); indemnity limits then follow that country's statutory minimum sums rather than the contractual sums.
Roadside Assistance (Kfz-Schutzbrief)
Not established from the insurer's documents
Roadside and breakdown assistance is not part of the base MTPL cover; it is a separate, legally independent Kfz-Schutzbrief contract that can be bundled with the MTPL policy (Kfz-Haftpflichtversicherung mit Schutzbriefleistungen).
Driver Accident Cover (FahrerPLUS)
Not established from the insurer's documents
FahrerPLUS is a separate, legally independent accident cover for the driver (and occupants) that reimburses the actual personal-injury loss as if a third party were liable, capped at the bodily-injury liability sum agreed for the vehicle's MTPL policy; requires that MTPL cover exists for the vehicle.
Passenger/Occupant Accident Cover (Kfz-Unfallversicherung)
Not established from the insurer's documents
Kfz-Unfallversicherung is a separate, legally independent accident policy covering vehicle occupants (Pauschalsystem or Platzsystem) for invalidity, daily allowance and death benefits at sums stated in the individual policy schedule.
Key conditions
Territorial scope
Cover applies within the geographic borders of Europe and the non-European territories belonging to the EU; cover follows the legally required scope of the country visited, but at least the scope of the German contract.
Green card rules
If the Green Card has been issued, cover extends to the additional non-European countries listed on it (unless crossed out), with indemnity then limited to that country's statutory minimum sums instead of the contractual sums.
Driver restrictions
The vehicle may only be used by a driver authorised by the person entitled to dispose of it and who holds the required driving licence; the policyholder, keeper or owner must not knowingly allow use by an unauthorised or unlicensed driver.
Claim notification deadline
Any loss event that may trigger a claim must be reported to the insurer within one week.
Bonus-malus rules
No-claims classification (SF-Klassen) in MTPL and comprehensive cover is reassessed annually on 1 January based on the claims history of the past calendar year, with an upgrade for a claim-free year and a downgrade per claim according to the tables in Annex 1.
Policy specifics
Mallorca Police (International Rental Car Coverage)
Extended coverage for temporary rental cars in foreign countries (primarily used during vacation travel in Southern Europe)
SourceKfz-Schutzbrief (Motor Assistance Coverage)
Optional roadside assistance and breakdown cover; includes breakdown help, towing, rental car costs, etc.
SourceCoverage Geographic Scope
Not established from the insurer's documents
Motor liability coverage is mandatory within European Economic Area (EEA) and EU territories; excludes Germany when liability arises from use outside Germany
SourceThird-party source, not the insurer's documentDirect Settlement (Direktregulierung)
Not established from the insurer's documents
Insurer settles valid third-party liability claims directly to injured parties; policyholder receives notification of settlement
SourceThird-party source, not the insurer's document