Münchener Verein Versicherungsgruppe (comprising Münchener Verein Krankenversicherung a.G., Münchener Verein Lebensversicherung AG and Münchener Verein Allgemeine Versicherungs-AG)
Münchener Verein
Münchener Verein is a motor third-party liability insurance for the Germany market with no online purchase and 24/7 assistance.
Direct payment
For comprehensive (Kasko) claims handled through the free Sorglos-Paket, the insurer arranges direct settlement with its TÜV/DEKRA-certified partner repair workshops rather than reimbursing the policyholder.
Geographic scope
Germany
Base liability cover applies to vehicles registered in Germany; the optional Mallorca-Police extends liability protection when driving other insured vehicles across Europe, and the assistance helpline is reachable worldwide.
Unique selling points
- Named "Versicherer des Jahres" (Insurer of the Year) for 14 consecutive years in DISQ customer surveys among 37 providers (Sept. 2025).
- Free Sorglos-Paket for comprehensive claims gives 6 years' warranty on repairs at TÜV/DEKRA-certified partner workshops with pickup-and-return and vehicle cleaning service.
- Unlimited cost coverage for vehicle recovery (Bergung) under the optional Schutzbrief KH-Plus, well above the capped towing allowance.
- Liability cover of up to EUR 100 million per claim (EUR 15 million per injured person), well above the statutory minimum.
- 24/7, year-round emergency assistance hotline reachable worldwide, including Sundays and public holidays.
Coverage limits
Bodily Injury Liability
€15,000,000
Covers bodily injury liability up to EUR 15 million per injured person, within an overall combined limit of EUR 100 million per claim for all damages (bodily injury, property damage and financial loss).
Property Damage & Financial Loss Liability
€100,000,000
Property and pure financial loss liability share the overall EUR 100 million flat (pauschal) limit per claim, alongside bodily injury; no separate sub-limit is published for property damage alone.
Passive Legal Defence (Claims Handling)
Covered
If a third party makes a compensation claim after an accident you caused, the insurer pays justified claims and defends against unjustified claims on the policyholder's behalf, at its own cost, within the liability sum.
Green Card
No limit stated
No specific statement on Green Card issuance for this MTPL product was found in the reviewed official sources.
Roadside Assistance (Schutzbrief KH-Plus)
Optional
Optional Europe-wide breakdown and accident assistance package covering all vehicle occupants: roadside callout costs up to EUR 150, towing up to EUR 300, and vehicle recovery (Bergung) costs covered in unlimited amount.
Driver Accident Cover
No limit stated
No dedicated driver accident (personal injury) benefit was found within the MTPL product sources reviewed; occupant medical/repatriation assistance is instead provided under the optional Schutzbrief KH-Plus.
Passenger Accident Cover
No limit stated
No dedicated passenger accident (personal injury) benefit was found within the MTPL product sources reviewed.
Key conditions
Territorial scope
The optional Mallorca-Police extends liability protection when driving borrowed or rented insured vehicles abroad in Europe, and the 24/7 assistance service is reachable worldwide.
Green card rules
The reviewed official sources do not provide specific Green Card issuance details for this product.
Driver restrictions
The optional Unfall-Joker (no-claims protection) add-on is only available from driver age 23 upward for a surcharge of approximately 20%, and only for privately used passenger cars (excluding rental, taxi and self-drive hire vehicles).
Claim notification deadline
Policyholders must report any claim to the insurer within one week of the incident.
Bonus-malus rules
An optional Unfall-Joker can be added to the MTPL and comprehensive cover to keep the no-claims class unchanged after one claim per calendar year, for up to 3 claims; from the 3rd claim onward all no-claims protection lapses at the next policy renewal.
Where to buy
Documents
Kfz-Versicherung Customer Service Brochure
Other document
Policy specifics
Mallorca Insurance
Additional liability coverage for accidents with rented or borrowed vehicles in European countries
SourceAccident Joker
Optional protection that prevents malus classification for one accident per calendar year
SourceDriver Authorization
Vehicle may only be driven by authorized drivers with valid driver's license
SourceMinimum Coverage Limits (Germany)
Bodily injury liability up to 15 million EUR per person (max. 100 million EUR total); property damage and financial loss combined
SourceGreen Card Coverage
Coverage extends to European countries listed on the Green Card international certificate
SourceTrailer Coverage
Liability coverage extends to trailers (caravans, cargo trailers, boat trailers)
Source