Extracted from source documents

Janitos Motor third-party liability (Kraftfahrtversicherung)

Underwritten by Janitos Versicherung AG · Germany

motor third-party liability insurance from Janitos for the Germany market, with 24/7 assistance.

Verified Aug 28, 2026 · Terms dated 2025-10-01Sources

24/7 helpline

Unique selling points

No-claims class transferable to a very wide circle of relatives and even the policyholder's employer, well beyond typical market practice.

Second vehicle can start at the same no-claims class as the first car (up to SF 10) even if the first car is insured elsewhere.

Built-in own-damage cover (Eigenschadendeckung) reimburses damage the policyholder causes to their own other cars, up to EUR 100,000 per year.

JurDrive traffic legal protection (EUR 250,000 sum insured) is included at no extra premium in the Advanced tier.

Free Mallorca-Police extension automatically tops up low statutory liability sums abroad to the policy's own limits.

Coverage limits

Liability limit (covers injury + property damage)

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

CompactAdvanced
Covered

Defence against unfounded liability claims

Covered

Janitos satisfies justified third-party claims and defends the policyholder against unfounded claims at its own cost, within the liability sum insured (no separate sub-limit). Identical in Compact and Advanced tiers.

Covered

International (Green Card) coverage

Covered

If a valid International Motor Insurance Card was issued for the vehicle, MTPL cover automatically extends to the non-European countries listed on it (unless crossed out), applying at least the scope required by the visited country's law or the contract's own scope if broader. Standard in both tiers, no additional premium.

Optional

Mobility protection (breakdown/accident assistance)

Optional

Optional add-on (available for an extra premium) providing breakdown and accident assistance from the policyholder's home address, including roadside repair (up to EUR 154), towing, return travel, overnight stays, rental car and further travel-assistance services with individual sub-limits. Available in both Compact and Advanced tiers.

Optional

Driver accident protection (Fahrerschutz)

€15M

Optional add-on (extra premium) covering the driver's own personal injury sustained in an accident while driving the insured vehicle, calculated as if a third party were liable; limited to the liability sum insured for personal injury, max. EUR 15 million per insurance year. Excludes drivers under 23 years old. Available in both Compact and Advanced tiers; no impact on the MTPL no-claims class.

Passenger accident insurance

No limit stated

No standalone passenger accident (Insassenunfall) product is offered; passengers injured through the insured vehicle's fault are covered as third parties under the MTPL bodily injury liability limit only.

Key conditions

Driver restrictions

The vehicle may only be driven by a person authorized by the party entitled to dispose of it and holding the required driving licence; driving under the influence of alcohol or other intoxicants that impair safe driving is prohibited. The optional Fahrerschutz add-on additionally excludes drivers under 23 years of age.

Claim notification deadline

The policyholder must notify Janitos of any claim event that could trigger a benefit within one week in text form; if authorities are investigating, this must also be reported without delay.

Bonus-malus rules

Premiums for MTPL and comprehensive cover follow a no-claims class (SF) system ranging from SF 50 (best) down through SF 1/2, classes S, 0 and M (worst), with annual re-rating based on the prior year's claims history. The optional Rabattschutz add-on (min. SF 4, no claim in the preceding 12 months) prevents a class downgrade after one claim per insurance year.

Territorial scope

Coverage applies within the geographic borders of Europe and non-European territories belonging to the EU; if a valid International Motor Insurance (Green) Card was issued, cover extends to the non-European countries listed on it unless crossed out, per local minimum requirements or the contract's own limits if higher.

Documents

Terms and conditions – Compact product line (250101) (opens in a new tab)

Terms & conditions · PDF

Terms and conditions – Advanced product line (250102) (opens in a new tab)

Terms & conditions · PDF

Insurance Product Information Document – Motor insurance (opens in a new tab)

Product information sheet · PDF

Benefits overview – Compact vs. Advanced (opens in a new tab)

Table of benefits · PDF

Policy specifics

Rental vehicle liability coverage (temporary use abroad)

Coverage for temporary use of rented insured vehicles abroad (passenger cars, motorhomes, motorcycles), where no other liability insurance exists

Source

Foreign damage protection (Auslandsschaden-Schutz)

Coverage for personal injury and property damage caused by uninsured drivers abroad, as if the foreign driver were insured with Janitos

SourceClause A.7.1Page 15

Section: Zusatzhaftpflichtversicherung > Auslands-Schadenschutz > A.7.1. Gegenstand der Versicherung

Der Auslandsschaden-Schutz ist eine eigenständige, frei wählbare Zusatzversicherung zu einer bei der Janitos Versicherung AG bestehenden Kraftfahrzeug-Haftpflichtversicherung des unter diesem Vertrag versicherten Personenkraftwagens (zur Eigenverwendung) und kann gegen Prämienzuschlag mitversichert werden.

Trailer and towed vehicle coverage

Covers damage caused by a trailer attached to the insured vehicle, including when it detaches while in use

SourceClause A.1.1.4Page 3

Section: Umfang der Versicherung > Leistungen der Kraftfahrzeug-Haftpflichtversicherung > A.1.1.4.

Als Anhänger im Sinne dieser Vorschrift gelten auch Auflieger sowie Fahrzeuge, die abgeschleppt oder geschleppt werden, wenn für diese kein eigener Haftpflichtversicherungsschutz besteht.

Coverage limits and sublimits

Maximum coverage of 100 million euros per claim, with personal injury limited to 15 million euros per claimant

SourceClause A.4.3Page 12

Section: Kfz-Umweltschadensversicherung – für öffentlich-rechtliche Ansprüche nach dem Umweltschadensgesetz > A.4.3. Versicherungssumme, Höchstzahlung

Die Höhe der für Umweltschäden vereinbarten Versicherungssumme beträgt 5 Mio. Euro je Leistungsfall. Diese ist auf höchstens 10 Mio. Euro pro Versicherungsjahr begrenzt.

Mallorca clause (European extension)

Increases coverage for low coverage sums in European countries to match contract limits

Source

JurDrive traffic legal protection

Legal expenses insurance (underwritten via Inter Partner Assistance S.A.) covering claims-related legal protection for pursuing accident-related damages and defence protection against traffic offence/misdemeanour/negligence allegations connected with a road accident. Sum insured EUR 250,000 per legal protection case (plus up to EUR 50,000 as a bail loan); deductible EUR 150 per case.

Source

Own-damage cover (Eigenschadendeckung)

Extension to the MTPL cover for property damage the policyholder or a mitinsured person causes with the insured vehicle to other own passenger cars, applying the same conditions as for third-party damage; deductible EUR 500 per event, capped at EUR 100,000 per insurance year.

Source

Insured parties

Coverage applies to vehicle owner/holder, policyholder, driver, technical inspector, passengers, employer (for business use), and other authorized drivers

SourceClause A.1.2.6Page 3

Section: Umfang der Versicherung > Leistungen der Kraftfahrzeug-Haftpflichtversicherung > A.1.2. Mitversicherte Personen

den Arbeitgeber oder öffentliche Dienstherr des Versicherungsnehmers, wenn das versicherte Fahrzeug mit Zustimmung des Versicherungsnehmers für dienstliche Zwecke gebraucht wird.

Geographical scope of coverage

MTPL applies within the geographical borders of Europe and non-European EU territories; the rental-vehicle liability extension applies abroad only (not in Germany)

SourceClause A.1.4.1Page 3

Section: Umfang der Versicherung > Leistungen der Kraftfahrzeug-Haftpflichtversicherung > A.1.4. Geltungsbereich

Der Versicherungsnehmer hat in der Kraftfahrthaftpflichtversicherung Versicherungsschutz in den geographischen Grenzen Europas sowie den außereuropäischen Gebieten, die zum Geltungsbereich der Europäischen Union gehören.

Key exclusions and restrictions

No coverage for intentional acts, nuclear energy damages, approved racing events, contractual liability exceeding statutory liability, and certain professional activities

SourceClause D.3.3Page 18

Section: Einschränkung des Versicherungsschutzes > D.3.3. Beschränkung der Leistungsfreiheit in der Kfz-Haftpflichtversicherung (grobe Fahrlässigkeit)

In der Kfz-Haftpflichtversicherung ist die sich aus D.3.1. ergebende Leistungsfreiheit bzw. Leistungskürzung des Versicherungsnehmers und den mitversicherten Personen gegenüber auf den Betrag von höchstens je Euro 5.000,00 beschränkt.

Claims notification procedure

Report every claim event to Janitos within one week in text form; report claims raised against you out of court within one week and claims pursued in court without delay.

SourceClause E.1.1Page 18

Section: Pflichten des Versicherungsnehmers im Schadenfall > Bei allen Versicherungsarten > E.1.1. Anzeigepflicht

Der Versicherungsnehmer ist verpflichtet, dem Versicherer jedes Schadenereignis, das zu einer Leistung durch den Versicherer führen kann, innerhalb einer Woche in Textform anzuzeigen.

Claims-free class (Schadensfreiheitsklasse)

Annual classification based on claim history; improvements for claim-free years, downgrades for claims

Source

Premium payment terms

Premiums are due at the beginning of each insurance period; payment is timely if made by date specified in policy or billing statement

SourceClause C.1.2.2Page 16

Section: Prämienzahlung > Zahlung der ersten oder einmaligen Prämie > C.1.2. Keine rechtzeitige Zahlung

Außerdem kann der Versicherer vom Vertrag zurücktreten, solange die Prämie nicht gezahlt ist.

Sources