Extracted from source documents

KRAVAG Motor third-party liability (Kfz Police)

Underwritten by KRAVAG-ALLGEMEINE Versicherungs-AG · Germany

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

Verified Aug 28, 2026 · Terms dated 2026-07Sources

24/7 helpline

Unique selling points

Flat liability sum of EUR 100 million and per-person bodily injury cover up to EUR 15 million, far above the statutory minimum sums.

Leistungsverbesserungsgarantie: policyholders automatically benefit from any future improvement to their product line's coverage terms at no extra cost.

3% Umweltbonus premium discount on the motor liability policy for electric and hydrogen cars.

Mallorca-Police for damage caused abroad while driving a rental/foreign car extends to Germany itself in the Exklusiv tier, unlike many competitors' foreign-only cover.

Award-backed quality: WirtschaftsWoche 'Sehr hohes Kundenvertrauen 2025' and Focus Money 'Fairster Schadenregulierer' (Kfz-Serviceversicherer, issue 03/2026).

Coverage limits

Covered

Bodily Injury Liability

€14M – €15M

Liability cover for injury or death caused to third parties through use of the vehicle. Kompakt tier: EUR 14 million maximum per injured person; Exklusiv tier: EUR 15 million maximum per injured person. Both tiers additionally include a flat overall sum of EUR 100 million per claim event covering personal injury, property and pure financial loss combined.

Section: KRAVAG-KfzPolice > Haftpflicht

Deckungssumme Personenschäden 14 Mio. EUR 15 Mio. EUR

Covered

Property Damage & Pure Financial Loss Liability

€100M

Included in both tiers: a flat liability sum of EUR 100 million per claim event, shared by personal injury, property damage and pure financial loss caused to third parties (personal injury capped per injured person).

Section: KRAVAG-KfzPolice > Haftpflicht

Deckungssumme Pauschaldeckung 100 Mio. EUR 100 Mio. EUR

Covered

Legal Defence Against Unfounded Claims

Covered

If claims raised against the policyholder are unfounded, KRAVAG defends against them at its own cost; this also applies where a claim is unfounded only as to amount. No maximum sum is stated in the terms for this defence cost cover.

Clause A.1.1.3Page 13

Section: A.1 Haftpflichtversicherung > A.1.1 Was ist versichert?

Sind Schadenersatzansprüche unbegründet, wehren wir diese auf unsere Kosten ab. Dies gilt auch, soweit Schadenersatzansprüche der Höhe nach unbegründet sind.

Covered

Green Card / International Motor Insurance Card

Covered

If KRAVAG has issued the International Motor Insurance Card (Green Card), liability cover extends also to the non-European countries listed on the card, provided the country names are not struck through; the applicable scope follows the legally required cover in the visited country, at least the contractual scope.

Clause A.1.4.2Page 16

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

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

Optional

Roadside Assistance (Schutzbrief)

Optional

Optional add-on (separate contract) providing organisational and financial help after a breakdown or accident in Europe/EU, e.g. roadside repair up to EUR 150 (unlimited if organised by KRAVAG), towing, recovery, and further travel assistance. Annual premium from EUR 19.90 for a car.

Clause A.3.5.1Page 31

Section: A.3 Schutzbrief > A.3.5 Hilfe bei Panne oder Unfall

Wir sorgen für die Wiederherstellung der Fahrbereitschaft am Schadenort durch ein Pannenhilfsfahrzeug. Wir übernehmen die hierdurch entstehenden Kosten bis zu 150 EUR.

Optional

Driver Accident Protection (Fahrerschutz)

€20M

Optional add-on (separate contract) covering the driver's own personal injury from an accident while driving the insured vehicle, paid like a liability insurer up to EUR 20 million per claim event under German law (e.g. loss of earnings, home/vehicle adaptation costs, pain-and-suffering compensation after at least 5 days' hospitalisation). Annual premium EUR 32.90.

Clause A.6.4.1Page 45

Section: A.6 Fahrerschutz-Versicherung > A.6.4 Was leisten wir in der Fahrerschutz-Versicherung?

Wir zahlen für den Personenschaden des berechtigten Fahrers wie ein Haftpflichtversicherer. Dabei leisten wir nach deutschem Recht und nach den gesetzlichen Haftpflichtbestimmungen bis zu 20 Mio. EUR je Schadensfall

Optional

Passenger/Occupant Accident Insurance

Optional

Optional add-on (separate contract) paying agreed lump sums for invalidity, hospital daily allowance, convalescence money or death of vehicle occupants after an accident. Sums are individually agreed per contract (Pauschal- or Platzsystem) and shown in the policy schedule; no fixed amount is set in the T&Cs.

Clause A.4.4Page 38

Section: A.4 Insassen-Unfallversicherung > A.4.4 Welche Leistungen umfasst die Insassen-Unfallversicherung?

Welche der nachstehenden Leistungen mit welchen Versicherungssummen vereinbart sind, finden Sie in Ihrem Versicherungsschein.

Key conditions

Driver restrictions

The vehicle may only be driven on public roads by a person holding the required driving licence; the policyholder, keeper or owner must not knowingly allow use by an unlicensed or otherwise unauthorised driver.

Claim notification deadline

The policyholder must notify KRAVAG of any event that could give rise to a claim within one week. Claims raised against the policyholder out of court must be reported within one week; claims raised in court must be reported immediately.

Bonus-malus rules

Contracts are classified into no-claims discount classes (SF-Klassen) based on claims history per the tables in Annex 1. A claim-free calendar year improves the class at the next annual review (1 January); a claims-affected year leads to downgrading. An optional Rabattschutz add-on (available from SF-Klasse 10 upward) protects the class after one claim per year.

Territorial scope

Coverage applies within the geographical borders of Europe and the non-European territories belonging to the European Union; the optional Foreign Damage Insurance (Auslandsschaden-Versicherung/Schutzbrief Plus) extends protection to Andorra, Liechtenstein, Monaco, Norway, Switzerland, the United Kingdom, and EU countries other than Germany.

Exclusions

Exclusion for Intentional Damage

No coverage for damage deliberately and unlawfully caused by the policyholder

SourceClause A.1.5.1Page 16

Section: A.1 Haftpflichtversicherung > A.1.5 Was ist nicht versichert?

Kein Versicherungsschutz besteht für Schäden, die Sie vorsätzlich und widerrechtlich herbeiführen.

Documents

Consumer Information & General Terms and Conditions for Motor Insurance (AKB) – July 2026 (opens in a new tab)

Terms & conditions · PDF

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

Product information sheet · PDF

KfzPolice Product Page & Kompakt/Exklusiv Benefits Comparison Table (opens in a new tab)

Table of benefits · PDF

Policy specifics

Mallorca Policy (foreign vehicle coverage)

Liability cover for driving rented or foreign vehicles abroad (Mallorca-Police); included only in the Exklusiv tier, up to EUR 30,000, and not available in Kompakt.

Source

Section: KRAVAG-KfzPolice > Haftpflicht

Schutz bei Fahrten im europäischen Ausland mit fremden Kfz, z.B. Mietwagen (Mallorca-Police) X bis 30.000 EUR integriert

Environmental Damage Coverage (Umweltschadensversicherung)

Liability coverage for environmental damage. In Kompakt tier: up to EUR 5 million. In Exklusiv tier: full coverage limit of EUR 100 million

SourceClause A.9.3Page 52

Section: A.9 Umweltschadensversicherung > A.9.3 Bis zu welcher Höhe leisten wir?

Bei Pkw in der KfzPolice kompakt ist die Entschädigungsleistung je Schadenereignis auf 5 Mio. EUR begrenzt.

Carsharing Vehicle Coverage

In Exklusiv tier only: covers self-paid deductible for Carsharing vehicles, provided the vehicle's own insurance covers the loss

SourceClause A.1.1.7Page 14

Section: A.1 Haftpflichtversicherung > A.1.1 Was ist versichert? > Führen von Carsharing-Pkw

Unsere Entschädigungsleistung ist auf 500 EUR je Schadensfall begrenzt.

Liability Coverage Limits (Kompakt tier)

Kompakt tier: Personal injury: EUR 14 million per person; Total flat limit: EUR 100 million; Environmental damage: up to EUR 5 million

Source

Liability Coverage Limits (Exklusiv tier)

Exklusiv tier: Personal injury: EUR 15 million per person (EUR 1 million more than Kompakt); Total flat limit: EUR 100 million; Environmental damage: full EUR 100 million limit

Source

Geographical Coverage Scope

Coverage applies in Europe and EU member states. Optional Auslandsschaden-Versicherung (Foreign Damage Insurance) extends coverage to Andorra, Liechtenstein, Monaco, Norway, Switzerland, UK, and EU countries outside Germany

SourceClause A.5.3Page 44

Section: A.5 Auslandsschaden-Versicherung inklusive Schutzbrief (Schutzbrief Plus) > A.5.3 In welchen Ländern besteht Versicherungsschutz?

Versicherungsschutz besteht in Andorra, Liechtenstein, Monaco, Norwegen, der Schweiz, im Vereinigten Königreich (Großbritannien und Nordirland) und in den Ländern der Europäischen Union mit Ausnahme der Bundesrepublik Deutschland.

Premium Payment Terms

First premium due 14 days after receipt of policy document and must be paid within 14 days. Further premiums can be arranged monthly, quarterly, semi-annually, or annually as agreed in policy document

SourceClause C.1.1Page 56

Section: C Beitragszahlung > C.1 Zahlung des ersten oder einmaligen Beitrags > C.1.1 Rechtzeitige Zahlung

Der im Versicherungsschein genannte erste oder einmalige Beitrag wird 14 Tage nach Zugang des Versicherungsscheins fällig. Sie haben diesen Beitrag dann unverzüglich (d. h. spätestens innerhalb von 14 Tagen) zu zahlen.

Sources