KRAVAG Insurance Group (KRAVAG-LOGISTIC Versicherungs-AG, KRAVAG-ALLGEMEINE Versicherungs-AG and KRAVAG-SACH Versicherung des Deutschen Kraftverkehrs VaG)
KRAVAG
KRAVAG is a motor third-party liability insurance for the Germany market with no online purchase and limited assistance availability.
Direct payment
KRAVAG is authorised to settle or defend third-party liability claims directly on the policyholder's behalf (Regulierungsvollmacht), including defending unjustified claims at its own cost.
Geographic scope
Germany (nationwide)
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.
Unique selling points
- Flat liability sum of EUR 100 million and per-person bodily injury cover up to EUR 16 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
Bodily Injury Liability
€15,000,000 – €16,000,000
Liability cover for injury or death caused to third parties through use of the vehicle. Kompakt tier: EUR 15 million maximum per injured person; Exklusiv tier: EUR 16 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.
Property Damage & Pure Financial Loss Liability
€100,000,000
Included in both tiers: a flat liability sum of EUR 100 million per claim event, covering property damage and pure financial losses caused to third parties, in addition to the per-person bodily injury sums.
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.
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.
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.
Driver Accident Protection (Fahrerschutz)
€20,000,000
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.
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.
Key conditions
Territorial scope
Base cover applies within the geographic borders of Europe and non-European EU territories. The optional Foreign Damage Insurance (Auslandsschaden-Versicherung/Schutzbrief Plus) extends cover to Andorra, Liechtenstein, Monaco, Norway, Switzerland, the UK and EU member states other than Germany.
Green card rules
Cover extends to non-European countries listed on the International Motor Insurance Card (Green Card) if issued by KRAVAG, unless the country name is struck through; the applicable scope is the cover legally required in the visited country, at least the contractual scope.
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.
Policy specifics
Mallorca Policy (foreign vehicle coverage)
Optional coverage for rental vehicles and foreign vehicles in both Kompakt and Exklusiv tiers; in Exklusiv tier includes up to EUR 30,000 coverage limit
SourceEnvironmental 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
SourceCarsharing Vehicle Coverage
In Exklusiv tier only: covers self-paid deductible for Carsharing vehicles, provided the vehicle's own insurance covers the loss
SourceLiability 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
SourceLiability 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
SourceGeographical 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
SourcePremium 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
SourceExclusion for Intentional Damage
No coverage for damage deliberately and unlawfully caused by the policyholder
Source