Generali

territorial_scope

MTPL coverage applies within the geographical borders of Europe and the non-European territories belonging to the European Union. In the visited country, the legally prescribed scope of insurance applies, but at minimum the scope agreed in the policyholder's own contract. With the Green Card, coverage extends to listed non-European countries, but the maximum payment is limited to the locally applicable statutory minimum sums in the country of visit (clause A.1.4).

green_card_rules

The insurer issues the Green Card upon request. If issued, the coverage extends to non-European countries listed on the card, provided the country name is not crossed out. Maximum payment in those countries deviates from the contractual sums and is capped at the local statutory minimum amounts applicable in the country of visit (clause A.1.4.2).

driver_restrictions

The vehicle may only be used by an authorised driver, i.e. a person who uses the vehicle with the knowledge and consent of the person entitled to dispose of it. The policyholder, registered keeper and owner must not knowingly permit use by an unauthorised driver. The driver must hold the required driving licence for use on public roads (clauses D.1.1.2, D.1.1.3).

claim_notification_deadline

Each claim event that may give rise to a payment must be notified to the insurer within one week (clause E.1.1.1). If a third party asserts a claim out of court, this must be reported within one week of the claim being raised (clause E.1.2.1). Court proceedings (e.g. lawsuits or payment orders) must be reported immediately (clause E.1.2.3). In the event of vehicle theft or loss of vehicle keys, police must be notified immediately.

bonus_malus_rules

The contract is classified into no-claims bonus classes (SF-Klassen) for both MTPL and comprehensive insurance. Classification is reviewed annually on 1 January. A claim-free year leads to advancement to the next better class; a claim-burdened year results in downgrading according to the tables in Appendix 1. For passenger cars, SF-classes range from SF 35 (20% rate) to M (135% rate). An optional Rabattschutz (bonus protection) prevents downgrading on the first claim within a calendar year in MTPL and comprehensive. If Rabattschutz is agreed, the SF-class is maintained in the following year even after a claim, up to a maximum of three claims during the entire Rabattschutz period; after the third claim, the Rabattschutz arrangement terminates for both covers (clauses I.1–I.5, I.3.3).

Mallorca policy (rental car coverage abroad)

Extends liability coverage to rental vehicles used temporarily in European countries, also valid for rental cars and car-sharing in Germany

Extended elementary damage insurance

Covers storms, hail, lightning strikes, flooding, lawines, snow pressure, landslides, earthquakes, subsidence and volcanic eruptions

Elektroplus package (electric vehicle coverage)

Special coverage for electric and hybrid vehicles including all-risk coverage for battery/accumulator and specific protection for charging infrastructure

New price compensation

For total loss, destruction or loss of vehicles, original purchase price compensation including radio equipment for up to 36 months after first registration

Own damage coverage

Coverage up to 100,000 EUR per calendar year for own vehicle damage (minimum self-contribution 150 EUR)

Workshop service and management

Option to choose workshop service at conclusion for repair in qualified partner workshops, with discount on casco insurance; or workshop management on demand after damage event

Discount protection

Protection of damage-free class rating in liability and casco insurance - no downgrade on first claim within calendar year (SF-Sofortschutz)

Performance update guarantee

Automatic inclusion of new performance benefits developed and improved by Generali in the future without additional cost

Premium protection

Fixed premium remains unchanged if policyholder circumstances (residence, annual mileage), vehicle, or usage type do not change