Extracted from source documents

HDI Motor third-party liability (Kfz Haftpflicht Motor Komfort Premium)

Underwritten by HDI Versicherung AG · Germany

motor third-party liability insurance from HDI for the Germany market, with online purchase and 24/7 assistance.

Verified Sep 2, 2026 · Terms dated 2024-07Sources

Online purchase24/7 helpline

Unique selling points

Flat combined liability limit of EUR 100 million per event (personal injury, property damage and financial loss), well above statutory minimums, with up to EUR 15 million per injured person.

Automatic Mallorca-Police protection for rental cars driven abroad, included at no extra cost for up to three months.

Round-the-clock claims assistance via the HDI Schaden-Service.

Built-in environmental damage cover (Kfz-Umweltschadenversicherung) up to EUR 10 million per year, a feature not all competitors bundle into MTPL.

Coverage limits

Bodily injury liability

Not established from the insurer's documents

Two liability sum options can be agreed: the statutory minimum sums insured, or a flat combined sum of EUR 100 million for personal injury, property damage and pure financial loss together, with compensation for personal injury capped at EUR 15 million per injured person. This applies equally under Motor Komfort and Motor Premium.

Third-party source, not the insurer's documentClause A.1.3.1Page Seite 8 von 38

Section: A.1 Kraftfahrzeug-Haftpflichtversicherung > A.1.3 Bis zu welcher Höhe leisten wir

b) 100 Mio. Euro pauschal, für Personen-, Sach- und Vermögensschäden. Hier ist die Entschädigungsleistung für Personenschäden auf 15 Mio. Euro je geschädigte Person begrenzt.

Property damage liability

Not established from the insurer's documents

Property damage is covered within the same flat combined sum of EUR 100 million per event shared with bodily injury and pure financial loss; alternatively the statutory minimum sums insured can be agreed instead of the flat sum.

Third-party source, not the insurer's documentClause A.1.3.1Page Seite 8 von 38

Section: A.1 Kraftfahrzeug-Haftpflichtversicherung > A.1.3 Bis zu welcher Höhe leisten wir

b) 100 Mio. Euro pauschal, für Personen-, Sach- und Vermögensschäden. Hier ist die Entschädigungsleistung für Personenschäden auf 15 Mio. Euro je geschädigte Person begrenzt.

Legal defence against liability claims

Not established from the insurer's documents

HDI is authorised and obliged to settle justified claims in cash and to defend unjustified or excessive claims at its own cost, acting in the policyholder's name; this is included within MTPL and has no separately stated monetary cap. A stand-alone traffic legal protection policy (Verkehrs-Rechtsschutz), underwritten by ROLAND Rechtsschutz-Versicherungs-AG, has historically been offered as a separate optional add-on.

Third-party source, not the insurer's documentClause A.1.1.4Page Seite 8 von 38

Section: A.1 Kraftfahrzeug-Haftpflichtversicherung > A.1.1 Was ist versichert

Wir sind bevollmächtigt, gegen Sie geltend gemachte Schadenersatzansprüche in Ihrem Namen zu erfüllen oder abzuwehren und alle dafür zweckmäßig erscheinenden Erklärungen im Rahmen pflichtgemäßen Ermessens abzugeben.

International Insurance (Green) Card

Not established from the insurer's documents

Where HDI has issued the Green Card, MTPL cover automatically extends to the non-European countries listed on it that are not crossed out, at no extra premium, with scope following the visited country's legal minimum, at least the German contract scope.

Third-party source, not the insurer's documentClause A.1.4.2Page Seite 9 von 38

Section: A.1 Kraftfahrzeug-Haftpflichtversicherung > A.1.4 In welchen Ländern besteht Versicherungsschutz

Haben wir Ihnen die Internationale Versicherungskarte ausgehändigt, gilt: Ihr Versicherungsschutz in der Kraftfahrzeug-Haftpflichtversicherung erstreckt sich auch auf die dort genannten nichteuropäischen Länder, soweit Länderbezeichnungen nicht durchgestrichen sind.

Roadside assistance (Mobilitäts-Schutz)

Not established from the insurer's documents

Mobilitäts-Schutz is an optional add-on that can only be taken out together with MTPL for the same vehicle. It covers breakdown assistance at the roadside (up to EUR 300), towing (up to EUR 400), recovery of the vehicle, onward/return travel, overnight stays, replacement vehicles and further assistance in Europe and EU overseas territories.

Third-party source, not the insurer's documentClause A.3Page Seite 14 von 38

Section: A.3 Mobilitäts-Schutz

Mobilitäts-Schutz kann nur zusammen mit einer Kraftfahrzeug-Haftpflichtversicherung für dasselbe Fahrzeug abgeschlossen werden.

Driver accident protection (Fahrer-Schutz)

Not established from the insurer's documents

Optional Fahrer-Schutz add-on within MTPL for Pkw, Campingfahrzeuge and Lieferwagen im Werkverkehr, covering personal injury suffered by the authorised driver while driving the insured vehicle, calculated as if a third party were liable; maximum indemnity is EUR 8 million per claim and insurance year.

Third-party source, not the insurer's documentClause A.4.1.5Page Seite 16 von 38

Section: A.4 Zusätzliche Leistungsbausteine > A.4.1 Fahrer-Schutz

Die Höchstentschädigung beträgt 8 Mio. Euro pro Schaden und Versicherungsjahr.

Passenger accident insurance

Not established from the insurer's documents

The current AKB (as of 07/2024) does not offer a stand-alone passenger/occupant accident insurance (Kfz-Unfallversicherung) as a product line; the only accident-related add-on is Fahrer-Schutz, which covers solely the authorised driver, not other occupants.

Third-party source, not the insurer's document

Key conditions

Driver restrictions

Cover extends to the policyholder and co-insured persons: the vehicle's keeper, owner, any driver, the technical supervisor for autonomously driving vehicles, authorised occupants (unless another insurer must provide cover), the employer/public employer when used for business with the policyholder's consent, and an employed bus conductor. There is no blanket restriction on eligible drivers, but using the vehicle without the required driving licence or without the consent of the person entitled to dispose of it is a breach of duty that can reduce or exclude benefits.

Claim notification deadline

Any loss event that may lead to a claim must be reported to HDI within one week; an immediate report to HDI's accident and breakdown hotline also counts as notification for all motor insurance covers held on the same vehicle.

Bonus-malus rules

Premiums follow a no-claims discount (Schadenfreiheitsrabatt, SF) system with classes from SF ½ to SF 50 plus classes 0 and M, based on the claims history. New contracts normally start in class 0 unless a special starting class or a transferred claims history applies; the contract moves up one class after a claim-free calendar year and is downgraded according to fixed tables after one or more claims in a year.

Territorial scope

Cover applies within the geographic borders of Europe and non-European territories belonging to the EU; scope follows the visiting country's legally required minimum, at least matching the German contract. If HDI has issued an International Insurance (Green) Card, cover extends to the additional non-European countries listed on it that are not crossed out.

Documents

General Terms and Conditions for Motor Insurance (AKB), as of 07/2024 (opens in a new tab)

Terms & conditions · PDF

Customer information and General Terms and Conditions for Motor Insurance (AKB), as of 01/2024 (opens in a new tab)

Terms & conditions · PDF

Motor-Plus / Motor-Plus with Premium-Schutz benefits comparison overview (opens in a new tab)

Table of benefits · PDF

Combined policy conditions incl. special agreements for motorhomes (AKB, BV W03/W04/W77) (opens in a new tab)

Terms & conditions · PDF

Policy specifics

Liability coverage amount

Not established from the insurer's documents

Standard flat-rate coverage of 100 million euros for personal injury, property damage, and financial loss combined

SourceThird-party source, not the insurer's documentClause A.1.3.1Page Seite 8 von 38

Section: A.1 Kraftfahrzeug-Haftpflichtversicherung > A.1.3 Bis zu welcher Höhe leisten wir (Versicherungssummen)?

b) 100 Mio. Euro pauschal, für Personen-, Sach- und Vermögensschäden. Hier ist die Entschädigungsleistung für Personenschäden auf 15 Mio. Euro je geschädigte Person begrenzt.

Environmental damage coverage

Not established from the insurer's documents

Coverage for environmental damages such as disposal costs for spilled motor oil

SourceThird-party source, not the insurer's documentClause A.1.3.5Page Seite 9 von 38

Section: A.1 Kraftfahrzeug-Haftpflichtversicherung > A.1.3 Bis zu welcher Höhe leisten wir (Versicherungssummen)? > Höchstzahlung bei Umweltschäden

Die Versicherungssumme für Schäden, die durch Umweltschäden nach dem USchadG (A.1.1.7) entstehen, ist auf 5 Mio. Euro je Schadenereignis und 10 Mio. Euro pro Versicherungsjahr begrenzt.

Mallorca-Police coverage

Extended coverage for rental vehicles abroad with protection up to German minimum coverage limits

Source

Section: Gesetzliche Mindesthöhe der Versicherungssumme

Aber keine Sorge: Mit HDI sind Sie über die enthaltende Mallorca-Police bis zu der in Deutschland gültigen Mindestdeckung abgesichert.

Gross negligence waiver

In Motor-Plus product lines, HDI waives the defense of gross negligence (grobe Fahrlässigkeit)

Source

Section: HDI weiß, worauf es ankommt

Der Verzicht auf „grobe Fahrlässigkeit“ ist in den „Motor Plus“-Tarifen selbstverständlich, ebenso die Mallorca-Police.

No-claims discount class system

Motor third-party liability uses SF (Schadenfreiheit) classes ranging from SF 1/2 to SF 50, with classifications M, S, and 0 for new drivers

Source

Section: Häufig gestellte Fragen zum Thema Kfz-Versicherung

Die SF-Klassen der Kfz-Haftpflicht reichen von 1/2 bis 50. Außerdem gibt es noch die Einteilungen M, S und 0 für Fahranfänger beziehungsweise Fahrer, die viele Unfälle bauen.

Geographic scope of coverage

Not established from the insurer's documents

Coverage extends to all of Europe as defined geographically; Green Card (Internationale Versicherungskarte) extends to additional non-European countries

SourceThird-party source, not the insurer's documentClause A.1.4.1Page Seite 9 von 38

Section: A.1 Kraftfahrzeug-Haftpflichtversicherung > A.1.4 In welchen Ländern besteht Versicherungsschutz

Sie haben in der Kraftfahrzeug-Haftpflichtversicherung Versicherungsschutz in den geografischen Grenzen Europas sowie den außereuropäischen Gebieten, die zum Geltungsbereich der Europäischen Union gehören.

Sources