Janitos Versicherung Aktiengesellschaft
Janitos
Janitos is a motor third-party liability insurance for the Germany market with no online purchase and 24/7 assistance.
Direct payment
Janitos is authorized to settle justified third-party liability claims directly on the policyholder's behalf and to defend against unjustified claims (regulatory power of attorney); no application or processing fees are charged by intermediaries.
Geographic scope
Europe and EU territories
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.
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
Bodily injury liability
€100,000,000
Combined lump-sum liability cover of EUR 100 million for personal injury, property damage and pure financial loss per claim event, with personal injury capped at EUR 15 million per injured person. Identical in Compact and Advanced tiers.
Property damage liability
€100,000,000
Property (and pure financial loss) damage is covered within the same combined EUR 100 million lump-sum liability limit shared with bodily injury per claim event. Identical in Compact and Advanced tiers.
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.
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.
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.
Driver accident protection (Fahrerschutz)
€15,000,000
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
Territorial scope
Standard MTPL cover applies in Europe and EU territories, extended internationally under a valid Green Card. The optional Auslandsschaden-Schutz add-on (EU, UK, Northern Ireland, Gibraltar, Iceland, Norway, Switzerland, Liechtenstein; excluding Germany) additionally lets the policyholder claim directly against Janitos when a foreign driver at fault is uninsured or under-covered.
Green card rules
Where a valid International Motor Insurance (Green) Card was issued, MTPL cover automatically extends to the non-European countries listed on it (unless crossed out), applying at least the legally required scope of the visited country or the broader contractual scope.
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.
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
SourceForeign damage protection (Green Card coverage)
Coverage for personal injury and property damage caused by uninsured drivers abroad, as if the foreign driver were insured with Janitos
SourceTrailer and towed vehicle coverage
Coverage includes damages caused by trailers attached to the insured vehicle, including holders, owners, drivers, and passengers of the trailer
SourceCoverage limits and sublimits
Maximum coverage of 100 million euros per claim, with personal injury limited to 15 million euros per claimant
SourceMallorca clause (European extension)
Increases coverage for low coverage sums in European countries to match contract limits
SourceJurDrive 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.
SourceOwn-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.
SourceInsured parties
Coverage applies to vehicle owner/holder, policyholder, driver, technical inspector, passengers, employer (for business use), and other authorized drivers
SourceGeographical scope of coverage
Coverage is valid in all European Economic Area countries for main liability coverage; rental vehicle coverage explicitly excludes Germany
SourceKey exclusions and restrictions
No coverage for intentional acts, nuclear energy damages, approved racing events, contractual liability exceeding statutory liability, and certain professional activities
SourceClaims notification procedure
Policyholder must report claims immediately, provide damage reports for small claims, and notify police for court-pursued claims
SourceClaims-free class (Schadensfreiheitsklasse)
Annual classification based on claim history; improvements for claim-free years, downgrades for claims
SourcePremium 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
Source