Pending review

GVV-Kommunalversicherung VVaG (Mutual Insurance Association)

GVV Direkt

GVV Direkt is a motor third-party liability insurance for the Germany market with online purchase and limited assistance availability.

Last verified Aug 28, 2026Reviewed by: Boleron EUTerms & conditions: 2023-09Underwritten by: GVV Direktversicherung AG
Online purchase

Direct payment

Im Tarif BASIS bzw. mit dem Baustein 'Werkstatt Direkt' übernimmt GVV Direkt die Werkstattwahl, vermittelt den Reparaturauftrag und trägt die Reparaturkosten direkt; zudem wird bei Bedarf der Fahrzeugtransport zur Werkstatt organisiert und bezahlt, mit 6 Jahren Garantie auf die Reparatur.

Geographic scope

Germany, with liability coverage extending across Europe under the Green Card system

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.

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

Bodily injury liability

€100,000,000

Third-party liability for personal injury, property and financial damage is covered up to 100 million EUR per claim, with up to 15 million EUR insured per injured person.

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Property damage liability

€100,000,000

Third-party liability for damage caused to property is covered within the same overall sum insured of 100 million EUR per claim as bodily injury and financial loss.

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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.

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.

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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.

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Driver protection insurance (Fahrerschutzversicherung)

€15,000,000

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.

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Motor accident insurance for occupants (Kfz-Unfallversicherung)

€20,000 – €80,000

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.

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Key conditions

Territorial scope

MTPL cover applies in Germany and, via the Green Card agreement, throughout the EEA plus Iceland, Liechtenstein, Norway, Switzerland, Andorra, Bosnia and Herzegovina, Serbia, Montenegro and the UK; Russia, Belarus and Iran are currently excluded; European Turkey can be included on request, Asian Turkey only for 3 months from card issuance.

Green card rules

The Green Card (international motor insurance card) proves valid MTPL cover abroad; coverage for a specific country only applies if that country's code on the card is not crossed out, and policyholders should request an extension before travelling to countries outside the standard scope.

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.

Where to buy

Calculate and buy motor insurance online
Motor insurance premium calculator

Documents

Motor insurance contract information (09.2023)

Terms & conditions

Open

GVV Direkt document download center

Other document

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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

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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

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Replacement value compensation

Provides compensation for the new purchase price or replacement purchase price for the vehicle for a specified period after first registration or purchase

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Animal damage coverage

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

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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)

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Workshop binding requirement

In basic coverage, policyholders must use designated GVV partner workshops for repairs after a claim. This is a standard condition in all tariffs

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Minimum driving age

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

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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

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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

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