Extracted from source documents

NÜRNBERGER Motor third-party liability (Autoversicherung Kfz Haftpflicht)

Underwritten by NÜRNBERGER Allgemeine Versicherungs-AG · Germany

motor third-party liability insurance from NÜRNBERGER for the Germany market, with online purchase.

Verified Aug 27, 2026 · Terms dated 2023-07Sources

Online purchase

Unique selling points

100 million EUR combined liability sum insured with up to 15 million EUR per injured person, well above the statutory minimum.

Mallorca Police for accidents with rental cars abroad is included in the base MTPL cover at no extra cost, in every tariff.

Komfort and Premium include Auslandsschadenschutz at no extra cost: after an accident abroad caused by a liable foreign driver in 26 European countries, NÜRNBERGER settles your damage under German compensation law as if the other driver were insured with it.

Optional Fahrerschutz insurance compensates the policyholder driver's own injuries even in self-caused accidents, unlike standard MTPL which only protects other parties.

Optional Rabattschutz keeps the no-claims class unchanged after the first claim in a calendar year, avoiding a premium downgrade.

Coverage limits

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

KompaktKomfortPremium

Defence against unfounded liability claims

Not established from the insurer's documents

The insurer defends unfounded third-party liability claims (including claims unjustified in amount) at its own expense as part of the core MTPL cover; this is separate from the optional Verkehrs-Rechtsschutz (motor legal expenses) product underwritten by NRV, a different insurer.

Third-party source, not the insurer's documentClause A.1.1.3Page 6

Section: A. Welche Leistungen umfasst Ihre Kfz-Versicherung? > 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.

Green Card / International Insurance Card

Not established from the insurer's documents

If a Green Card has been issued, cover extends to the non-European countries listed on it (unless crossed out); for cross-border travel within the Green Card's area of validity, cover is at least to the level required by the visited country's law.

Third-party source, not the insurer's documentClause A.1.4.2Page 6

Section: A.1.4 In welchen Ländern besteht Versicherungsschutz?

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

Schutzbrief (roadside/breakdown assistance)

Not established from the insurer's documents

Optional add-on to MTPL (available on all three tariffs): on-site breakdown assistance up to 200 EUR, towing to the nearest suitable workshop up to 300 EUR (towing costs offset against on-site assistance costs), plus return travel, overnight stays and rental car benefits under further sub-limits.

Third-party source, not the insurer's documentClause A.3.5.2Page 13

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

Kann das Fahrzeug an der Schadenstelle nicht wieder fahrbereit gemacht werden, organisieren wir für Sie das Abschleppen des Fahrzeugs. ... Der Höchstbetrag für diese Leistung beläuft sich auf 300 EUR; hierauf werden durch den Einsatz eines Pannenhilfsfahrzeugs entstandene Kosten angerechnet.

Fahrerschutzversicherung (driver protection)

Not established from the insurer's documents

Optional rider covering the driver's own bodily injury even in self-caused accidents, as if a third party were liable: lost income up to 1,500 EUR/month, maintenance claims up to 2,000 EUR/month, household help up to 1,000 EUR/month, other increased needs up to 5,000 EUR/month, and disability-related home conversion up to 150,000 EUR; only available with the Komfort and Premium tariffs, not Kompakt.

Third-party source, not the insurer's documentClause A.5.4.1Page 20

Section: A.5 Fahrerschutzversicherung > A.5.4 Was leisten wir in der Fahrerschutzversicherung?

Verdienstausfall bis monatlich 1.500 EUR - Unterhaltsansprüche bis monatlich 2.000 EUR - Haushaltshilfe bis monatlich 1.000 EUR - sonstige vermehrte Bedürfnisse bis monatlich 5.000 EUR - behindertengerechter Umbau bis maximal 150.000 EUR.

Kfz-Unfallversicherung (motor accident insurance for occupants)

Not established from the insurer's documents

Separate optional accident cover for vehicle occupants (invalidity and death benefits) that must be explicitly requested; the insured sums are individually agreed per policy and stated in the Versicherungsschein, no standard amount applies.

Third-party source, not the insurer's documentClause A.4.4Page 17

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

Ihrem Versicherungsschein können Sie entnehmen, welche der nachstehenden Leistungen mit welchen Versicherungssummen vereinbart sind.

Key conditions

Driver restrictions

The vehicle may only be used by an authorised driver holding the required driving licence; the policyholder, keeper or owner must not knowingly allow use by an unauthorised or unlicensed driver.

Claim notification deadline

Any event that may lead to a claim must be reported to the insurer within one week; claims made against the policyholder by a third party must also be reported within one week of being raised.

Bonus-malus rules

Contracts are classified into no-claims classes (SF-Klassen) that determine the premium rate, based on the claims history; reclassification takes place annually on 1 January according to the previous calendar year's claims record, with upgrades for claim-free years and downgrades per reported claim according to fixed tables.

Territorial scope

Coverage applies within the geographic borders of Europe, the European and Asian parts of Turkey, and the non-European territories belonging to the EU; extended to further non-European countries listed on a valid Green Card.

Documents

Autoversicherung Kompakt – Insurance Product Information Document (IPID) (opens in a new tab)

Product information sheet · PDF

Autoversicherung Kompakt, Komfort and Premium – benefits comparison table (opens in a new tab)

Table of benefits · PDF

General Terms and Conditions for Motor Insurance (AKB, KH465_0_202307) (opens in a new tab)

Terms & conditions · PDF

Policy specifics

Mallorca Police

Insurance protection for accidents involving rental vehicles in European countries

Source

Section: Tarife der NÜRNBERGER Auto­versicherung zum Herunter­laden > Häufige Fragen

Bei Fahrten ins Ausland sollten Sie sich in jedem Fall über die individuellen Rege­lungen des jeweiligen Landes informieren

Foreign Loss Protection

Not established from the insurer's documents

Compensation under German law for personal injury and property damage caused abroad by a liable driver of a vehicle insured in one of 26 European countries; included free of charge in Komfort and Premium.

SourceThird-party source, not the insurer's documentClause A.6.1.2Page 22

Section: A.6 Auslandsschadenschutz > A.6.1 Was ist versichert?

Erleiden Sie oder eine mitversicherte Person auf einer Reise im Ausland mit dem versicherten Pkw einen Unfall, bei dem ein in den unter A.6.4 genannten Ländern zugelassenes und dort versicherungspflichtiges Kfz beteiligt ist (Unfallgegner), so ersetzen wir den Ihnen hieraus entstandenen Personen- und Sachschaden in gleicher Weise, als wäre der Unfallgegner mit seinem Kraftfahrzeug bei unserem Unternehmen gegen Haftpflichtschäden versichert.

Own-Damage Cover (Eigenschadendeckung)

Covers damage the policyholder's own vehicle causes to another vehicle registered to them, to a building they own, or to other fixed structures on their property, up to 100,000 EUR per calendar year with a 500 EUR deductible.

SourcePage 1

Section: Leistungsvergleich – Autoversicherung Kompakt, Komfort und Premium für Pkw. > Kfz-Haftpflicht

Eigenschadendeckung ⊖ ⊖ bis 100.000 EUR je Kalenderjahr, 500 EUR Selbstbeteiligung (SB)

Gross Negligence Waiver

Insurer waives the defense of gross negligence in partial and full comprehensive coverage

Source

Section: Checkliste zu Ihrer Auto­versicherung für die Familie

Verzicht auf Einwand grober Fahr­lässigkeit

Coverage Limits by Tariff

Kompakt: max 12 million EUR per person; Komfort/Premium: max 15 million EUR per person; Total 100 million EUR

Source

Sources

NÜRNBERGER Motor third-party liability

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