Reviewed from source documents

LVM Landwirtschaftlicher Versicherungsverein Münster a.G. (LVM Insurance Group)

Name: LVM Landwirtschaftlicher Versicherungsverein Münster a.G. (LVM Insurance Group) Motor third-party liability
Brand: LVM Landwirtschaftlicher Versicherungsverein Münster a.G. (LVM Insurance Group)
SKU: germany-mtpl-lvm

LVM Versicherung

LVM Versicherung is a motor third-party liability insurance for the Germany market with no online purchase and limited assistance availability.

Last verified Aug 27, 2026Reviewed by: Boleron EUTerms & conditions: 2025-04-01Underwritten by: LVM Landwirtschaftlicher Versicherungsverein Münster a.G.

Direct payment

LVM is authorized to settle justified third-party liability claims directly in the policyholder's name and to defend unjustified claims at its own cost.

Geographic scope

Germany (nationwide)

Coverage applies within the geographic borders of Europe and the non-European overseas territories belonging to the EU; the scope follows the legally required minimum of the country visited, but at least the scope of the German contract.

Unique selling points

100 million EUR total liability cover with a 15 million EUR per-person sublimit, well above statutory minimum requirements.
LVM-Schutzbrief (roadside assistance, towing, key-loss help, medical repatriation, rental car, lawyer hotline) is included as standard with LVM-AutoPlus.
LVM-Update-Garantie automatically upgrades the contract to future benefit improvements without any action needed from the customer.
Repeatedly awarded 'Fairster Kfz-Versicherer' and 'Fairster Kfz-Service-Versicherer' by FOCUS-MONEY.
Optional Mallorca-Police extends third-party liability cover to rental cars driven abroad in EU and Mediterranean countries.

Coverage limits

Bodily Injury Liability

€15,000,000

Only in LVM-AutoPlus

Personal injury claims are covered up to 15 million EUR per injured person, within an overall liability sum of 100 million EUR per claim event.

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Property Damage Liability

€100,000,000

Only in LVM-AutoPlus

Property and financial-loss claims are covered within the overall pooled liability sum of 100 million EUR per claim event, shared with bodily injury claims.

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Traffic Legal Protection

Optional

Only in Verkehrsrechtsschutz, RechtsschutzPlus

LVM-Verkehrsrechtsschutz is an optional add-on covering legal disputes arising from traffic accidents, vehicle purchase/leasing contracts, administrative and criminal traffic matters, with no waiting period; the upgraded RechtsschutzPlus variant offers an unlimited insured sum in Germany.

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International Motor Insurance Card (Green Card)

Covered

If LVM has issued the International Insurance Card, MTPL coverage extends to the non-European countries listed on the card, unless the country name has been crossed out, applying at least the scope of the German contract.

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LVM-Schutzbrief (Protection Letter / Roadside Assistance)

unlimited

Only in LVM-AutoPlus

Included as standard with LVM-AutoPlus: direct roadside help after breakdown, accident or key loss, towing/recovery organized by LVM at unlimited cost, worldwide medical repatriation, rental car, lawyer hotline, and additional assistance abroad (spare-parts shipping, vehicle return transport, medical referral, medicine forwarding, replacement of lost travel documents and payment means, pet care).

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LVM-FahrerKasko (Driver Accident Cover)

€15,000,000

Only in LVM-FahrerKasko

Optional add-on that covers material personal injury of the driver caused by accidents while driving, up to 15 million EUR, including loss of earnings, household help, disability adaptations, rehabilitation, and survivor benefits in case of death.

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Kfz-Unfallversicherung (Passenger Accident Cover)

Optional

Only in LVM-FahrerSchutz, LVM-Fahrer- und InsassenSchutz, Pauschalsystem, Platzsystem

Optional accident insurance (e.g. LVM-Fahrer- und InsassenSchutz) covering the driver and all authorized occupants of the vehicle for invalidity, death, hospital daily allowance and cosmetic surgery costs after an accident; the insured sum is individually agreed and shown on the policy schedule.

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Key conditions

Territorial scope

Coverage applies within the geographical borders of Europe and the non-European overseas territories belonging to the EU; the level of cover follows the legally required minimum of the country visited, but at least the scope of the German contract.

Green card rules

If LVM has issued the International Motor Insurance Card, coverage extends to the non-European countries printed on it, unless the country name is crossed out; the scope of cover follows the same rule as for the domestic contract.

Driver restrictions

The vehicle may only be used by a driver authorized by the policyholder/keeper who holds the required driving licence; occasional drivers aged 23 or older are permitted to drive the insured vehicle even if not named in the driver circle.

Claim notification deadline

The policyholder must notify LVM of any claim event that could trigger a payment within one week; if a third party asserts a claim against the policyholder, this must likewise be reported to LVM within one week of the claim being raised.

Bonus-malus rules

Premiums follow a no-claims discount (Schadenfreiheitsrabatt) class system ranging from class M (worst, surcharge) up to class SF35 (best, 20% premium rate for cars); one claim-free calendar year moves the contract one class better, while a claim causes a step-back according to fixed tables. LVM-RabattSchutz can, for an extra premium, protect against downgrading after one claim per year if the vehicle is rated at least SF-class 4.