Pending review

GVV Direkt Motor third-party liability (Kfz Haftpflichtversicherung)

Underwritten by GVV Direktversicherung AG · Germany

motor third-party liability insurance from GVV Direkt for the Germany market, with online purchase.

Verified Aug 28, 2026 · Terms dated 2023-09Sources

Online purchase

Unique selling points

Liability coverage of up to 100 million EUR per claim, well above the statutory German minimum limits.

As a direct insurer without field sales agents, GVV Direkt advertises premiums up to 10% cheaper than competitors' annual premiums.

Employees and civil servants in the public sector receive an automatic premium discount on the motor liability and Kasko tariffs.

The eVB electronic insurance confirmation number is issued instantly online immediately after completing the policy purchase.

GVV Direkt was rated among direct insurers with the "Best Customer Hotline" by Focus Money's 2025 comparison of German direct insurers.

Coverage limits

Liability limit (covers injury + property damage)

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

BASISCLASSICPREMIUM

Legal defence within liability cover

Not established from the reviewed documents

No official GVV Direkt source describing the scope of passive legal defence (defence against unjustified third-party claims) within the MTPL policy was available for review.

Covered

Green Card / International Motor Insurance Card

Covered

The international insurance card (Green Card) is provided as proof of the MTPL cover when travelling abroad in Green Card agreement countries.

Optional

Roadside assistance (Autoschutzbrief)

Optional

Roadside assistance, towing, rental car or hotel accommodation after a breakdown or accident is available as a separately purchasable add-on (Autoschutzbrief), not included in the base MTPL policy.

Optional

Driver protection insurance (Fahrerschutzversicherung)

€15M

An optional driver protection add-on covers the driver's own bodily injury in a self-caused accident (a gap not covered by MTPL) up to 15 million EUR per claim, including costs such as loss of earnings.

Optional

Motor accident insurance for occupants (Kfz-Unfallversicherung)

€20K – €80K

An optional Kfz-Unfallversicherung add-on pays a one-off benefit to the driver and all passengers regardless of fault, selectable between 20,000 EUR death / 40,000 EUR invalidity, 30,000 EUR death / 60,000 EUR invalidity, or 40,000 EUR death / 80,000 EUR invalidity.

Key conditions

Claim notification deadline

Policyholders are advised to report accidents promptly, e.g. via the online claim form, and to contact the 'Zentralruf der Autoversicherer' if the other party's insurer is unknown; no specific number of days for notification is stated in the available sources.

Bonus-malus rules

Premiums are based on the policyholder's Schadenfreiheitsklasse (no-claims class), which improves after claim-free years and can be protected from downgrading via the optional Rabattschutz add-on.

Territorial scope

Coverage applies in Germany and, via the Green Card agreement, in all EEA countries plus Iceland, Liechtenstein, Norway, Switzerland, Andorra, Bosnia and Herzegovina, Serbia, Montenegro and the United Kingdom; Russia, Belarus and Iran are currently excluded; European Turkey can be included, Asian Turkey only for 3 months from issuance.

Documents

Motor insurance contract information (09.2023) (opens in a new tab)

Terms & conditions · PDF

GVV Direkt document download center (opens in a new tab)

Other document · PDF

Policy specifics

Liability coverage

Covers bodily injury and property damage to third parties up to 100 million euros per claim, with 15 million euros specifically for personal injury

Source

Comprehensive coverage (Kasko)

Covers damage to the insured vehicle including fire, theft, accidental damage, animal-related damage, and natural hazards. Product variants include Part-Kasko and Full-Kasko (Vollkasko) with different coverage scopes

Source

Animal damage coverage

Covers damages caused by animal-related incidents, including animal bites and related consequential damages

Source

Optional add-on coverages

Various optional insurance modules available including Autoschutzbrief (roadside assistance), Rabattschutz (discount protection), Fahrerschutz (driver protection), and Kfz-Unfallversicherung (motor vehicle accident insurance)

Source

Minimum driving age

Insurance coverage applies only to drivers who have completed their 25th year of life (25+ years old)

Source

Vehicle roadworthiness requirement

Policyholders must ensure the insured vehicle is maintained in roadworthy condition and has valid annual safety inspection (MOT equivalent) as required by law

Source

Premium payment timing

Insurance coverage begins only after the first premium payment has been received by GVV, and not before the agreed coverage start date

Source

Sources

GVV Direkt Motor third-party liability

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