Öffentliche Versicherung Braunschweig Motor third-party liability (Kfz Versicherung)

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.

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.

Territorial scope

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.