HUK-COBURG Motor third-party liability (Kfz Haftpflichtversicherung)

Liability cover of 100 million EUR per claim for personal injury, property damage and financial loss – far beyond the legal minimum.

5% combo discount (Kombi-Bonus) on liability and comprehensive premiums when bundling with other HUK-COBURG policies.

Optional Schutzbrief roadside assistance add-on available from just 11 EUR/year, covering all vehicle occupants at no extra charge.

Optional Fahrerschutz driver accident cover up to 15 million EUR per claim, available from 19 EUR/year, even for self-caused accidents.

Driver restrictions

The vehicle may only be used by an authorised driver holding the legally required driving licence; the policyholder, keeper or owner must not knowingly allow use by an unauthorised or unlicensed driver, or one impaired by alcohol or other intoxicants. Additionally, the HUK-COBURG Haftpflicht-Unterstützungs-Kasse (VVaG) insures only persons affiliated with the public sector under its statutes, while HUK-COBURG-Allgemeine Versicherung AG insures all other customers.

Claim notification deadline

Policyholders must report a claim within one week (verbal or telephone notice suffices). Third-party claims raised out of court must be reported within one week; court proceedings must be reported without delay.

Section: E Ihre Pflichten im Schadenfall und Rechtsfolgen einer Pflichtverletzung > E.1 Pflichten im Schadenfall bei allen Versicherungsarten > Allgemeine Anzeigepflicht

Wird das Fahrzeug oder werden die nach A.2.1 mitversicherten Sachen entwendet? Dann müssen Sie uns den Schadenfall in Textform (z. B. per Brief oder E-Mail) anzeigen.

Bonus-malus rules

Contracts are placed into No-Claims (SF) classes based on contract duration and claims-free years, re-evaluated once per insurance year; a claims-free year improves the class by one step, a claims-affected year triggers downgrading per the SF tables, which differ between the Classic and Basis tariffs (Basis downgrades more severely). An optional Rabattschutz add-on keeps one claim per calendar year from affecting the classification.

Territorial scope

MTPL cover applies within Europe and EU overseas territories; the visited country's legally required minimum applies if higher than the agreed cover. With an International Green Card, cover extends to the listed non-European countries unless struck through (e.g. Iran and Morocco are excluded despite being signatories). The Mallorca Policy (rental car liability abroad) excludes Germany, Russia and Belarus and is not available under the Basis tariff.