Helvetia Motor third-party liability (Kfz Haftpflicht Autocare)

Standard liability sum insured of a EUR 100 million lump sum, more than 13x Germany's statutory minimum of EUR 7.5 million for bodily injury.

Leistungs-Update-Garantie automatically extends future policy improvements to existing customers at no extra premium (Komfortschutz only).

Includes the 'Mallorca policy' extending liability cover to rental cars driven abroad by the policyholder or spouse for up to one month, at no extra cost in Komfortschutz.

Covers up to EUR 50,000 per policy year for damage the policyholder causes to their own other insured vehicle, with just a EUR 500 deductible per claim.

Driver restrictions

The vehicle may only be used for the agreed purpose and driven by an authorised driver holding the required licence; it must not be driven, or knowingly let be driven, by someone under the influence of alcohol or other intoxicants, or in unauthorised speed events. Intentional breaches void cover; grossly negligent breaches allow Helvetia to reduce the payout proportionally, though in MTPL this reduction toward the policyholder and co-insured persons is capped at EUR 5,000 and the German statutory minimum sums still apply.

Claim notification deadline

Any event that could lead to a claim must be reported to Helvetia within one week; if a third party asserts a claim against the policyholder out of court, this must also be reported within one week of the claim being raised.

Bonus-malus rules

Premiums follow a no-claims discount system (Schadenfreiheitsrabatt) with classes from M/0 up to SF 45; new contracts typically start at SF-Klasse 0 (or SF ½ for experienced Komfortschutz customers under certain conditions), are reclassified annually on 1 January based on the prior year's claims record, move up one class per claim-free year, and are pushed down several classes per claim reported (per the tables in Annex 1 of the AKB).

Territorial scope

Cover applies within the geographic borders of Europe and non-European EU territories; the level of cover follows the statutory minimum of the visited country or the contract's own scope, whichever is higher. If an international insurance (green) card is issued, cover extends to the additional non-European countries listed on it that are not struck through.