Öffentliche Versicherung Braunschweig (comprising Öffentliche Sachversicherung Braunschweig and Öffentliche Lebensversicherung Braunschweig)
Öffentliche Versicherung Braunschweig
Öffentliche Versicherung Braunschweig is a motor third-party liability insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
In the Kfz-Haftpflichtversicherung, Öffentliche pays justified damages directly to the injured third party and defends the policyholder at its own cost against unjustified claims; it is also authorised to settle or reject claims on the policyholder's behalf.
Geographic scope
Regional service area of Öffentliche Versicherung Braunschweig (historic Free State of Brunswick region)
Kfz-Haftpflichtversicherung cover applies within the geographic borders of Europe and non-European territories belonging to the EU; extended to non-European countries listed on the Green Card unless crossed out.
Unique selling points
- Lump-sum liability cover of EUR 100 million with up to EUR 15 million per injured person, well above the statutory minimum, standard across all three tiers.
- Environmental damage liability risk co-insured up to EUR 5 million at no extra premium.
- Optional Autoschutzbrief provides Europe-wide, round-the-clock roadside and travel assistance for breakdown, accident or illness.
- Mallorca-Police included at no extra cost in the Komfort and Premium tiers, closing liability gaps for rental cars driven abroad.
- 270-year-old regional insurer with strong local roots and a dedicated fast claims service (Schaden-Schnell-Service).
Coverage limits
Bodily injury liability (per injured person)
€15,000,000
Öffentliche's Kfz-Haftpflichtversicherung pays up to EUR 15 million per injured person for bodily injury claims, as a sub-limit within the overall EUR 100 million lump-sum liability cover. This limit is stated identically across the Basis, Komfort and Premium tiers.
Property and pure financial loss liability (lump-sum)
€100,000,000
The overall lump-sum liability limit for the Kfz-Haftpflichtversicherung is EUR 100 million, covering combined bodily injury, property damage and pure financial loss claims arising from use of the insured vehicle. The AKB defers exact sums to the policy schedule, but the insurer's own product pages confirm EUR 100 million pauschal across the Basis, Komfort and Premium tiers.
Defence against unjustified claims
Covered
Where third-party claims against the policyholder are unjustified (in whole or in part as to amount), Öffentliche defends against them at its own cost; no separate sum insured is specified for this defence cost cover.
Green Card / International Motor Insurance Card
Conditional
Cover under the Kfz-Haftpflichtversicherung applies within Europe and EU overseas territories by default. Where Öffentliche has issued the International Motor Insurance Card (Green Card), cover extends to the non-European countries listed on it, unless their country code is crossed out; the scope of cover in the visited country follows the higher of the local statutory minimum or the policyholder's own contract terms.
Autoschutzbrief (roadside assistance)
Optional
The Autoschutzbrief is a separately purchasable, legally independent contract that provides help after breakdown, accident or illness on a trip, including organising towing, return transport or hotel accommodation, with cover available Europe-wide around the clock. No public monetary sub-limits are disclosed; individual limits are recorded in the policy schedule.
Fahrerschutzversicherung (driver accident protection)
Optional
The Fahrerschutzversicherung is a separately purchasable, legally independent contract covering the driver's own bodily injury from a self-caused or jointly-caused accident, or injury caused by an unidentified third party, including medical treatment costs, loss of earnings or vehicle-conversion costs; it protects the driver and dependants. No public sum insured is disclosed.
Insassenunfallversicherung (passenger accident cover)
Optional
The Insassenunfallversicherung is offered as a sensible complement to the Kfz-Haftpflicht and Kasko policies, providing protection against the financial consequences when vehicle occupants are injured in an accident. No public sum insured is disclosed; it is a separately purchasable add-on.
Key conditions
Territorial scope
Cover applies within the geographic borders of Europe and the non-European territories belonging to the EU; the scope in the visited country follows the higher of that country's statutory minimum or the policyholder's own contract.
Green card rules
If Öffentliche has issued the International Motor Insurance Card (Green Card), cover extends to the non-European countries listed on it unless their country designation is crossed out.
Driver restrictions
The vehicle may only be used by an authorised driver (someone using it with the knowledge and consent of the person entitled to dispose of it) who holds the driving licence required for the vehicle on public roads.
Claim notification deadline
The policyholder must report any claim event that could lead to a payment within one week; if police, prosecutors or another authority investigate in connection with the event, this must be reported without delay, and theft of the vehicle must also be reported without delay in text form.
Bonus-malus rules
Contracts are classified into no-claims discount classes (SF-Klassen) based on claims history, with annual re-rating each 1 January: a claim-free year moves the contract up to a better class, while a claim-affected year results in a downgrade according to the insurer's tables.
Documents
Contract terms for motor insurance (AKB)
Terms & conditions
Policy specifics
Green Card coverage for non-EU countries
Extension of Kfz-Haftpflichtversicherung coverage to non-European countries when Green Card is provided
SourceSource no longer reachableClaims notification deadline
Policyholder must report all claims without delay (unverzüglich) to the insurer
SourceSource no longer reachableMallorca coverage (rental vehicles abroad)
Coverage for liability when driving rented vehicles temporarily in EU countries
SourceSource no longer reachable