Pending review

Öffentliche Versicherungen Oldenburg (comprising Oldenburgische Landesbrandkasse and Öffentliche Lebensversicherungsanstalt Oldenburg)

Öffentliche Oldenburg

Öffentliche Oldenburg is a motor third-party liability insurance for the Germany market with online purchase and 24/7 assistance.

Last verified Aug 28, 2026Reviewed by: Boleron EUTerms & conditions: 2024-09Underwritten by: Öffentliche Oldenburg
Online purchase24/7 helpline

Direct payment

For the motor third-party liability (Kfz-Haftpflicht) product, the insurer deals directly with the injured third party rather than reimbursing the policyholder: as stated in the insurer's own claims guidance, if the policyholder caused the accident, they report the claim to Öffentliche Oldenburg, and the insurer then handles the settlement directly with the injured party, while an injured third party can claim compensation directly from Öffentliche Oldenburg as the at-fault driver's liability insurer.

Geographic scope

Europe and EU territories

Coverage applies within the geographic boundaries of Europe and the non-European territories that belong to the scope of the European Union.

Unique selling points

  • Liability sum insured of EUR 100 million lump-sum with up to EUR 15 million per injured person, well above the German statutory minimums.
  • Optional Autoschutzbrief provides Europe-wide, 24/7 breakdown and roadside assistance from a single service provider.
  • Komfort tier includes the Mallorca clause, extending liability cover to temporarily rented vehicles abroad at no extra charge.
  • Optional Rabattschutz shields the no-claims discount class after the first at-fault claim in a calendar year.
  • No-claims ratings can be transferred between vehicles insured with the same insurer, including between a car and a camping vehicle.

Coverage limits

Bodily injury liability

€15,000,000

Bodily injury claims are covered up to EUR 15 million per injured person, within the overall lump-sum liability limit.

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Property and pecuniary damage liability

€100,000,000

Combined lump-sum liability limit of EUR 100 million applies jointly to bodily injury, property and pecuniary damage claims (bodily injury sub-limited to EUR 15 million per person).

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Legal defence cost coverage

No limit stated

Not found as part of the Kfz-Haftpflicht (MTPL) product in the reviewed sources.

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Green Card

No limit stated

Not explicitly detailed with a specific limit in the reviewed sources.

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Auto protection letter (breakdown/roadside assistance)

Optional

Optional roadside assistance and breakdown service across Europe, available 24/7, offered as an add-on ('auf Wunsch') to both Basis and Komfort MTPL tiers.

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Driver accident/driver protection (Fahrerschutz)

€15,000,000

Optional driver protection module covering the driver's own bodily injury losses from a self-caused accident, up to EUR 15 million.

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Passenger accident insurance (Insassenschutz)

Optional

Optional occupant accident insurance for death and disability on a lump-sum basis for all vehicle occupants, in addition to driver protection; specific sums insured are not stated on the official product page.

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Key conditions

Territorial scope

Coverage applies within the geographic boundaries of Europe and the non-European territories that belong to the scope of the European Union.

Green card rules

For journeys outside the standard European/EU scope, a Green Card can be obtained for extended international liability protection; no further detail is given in the reviewed sources.

Driver restrictions

Coverage extends to every authorized driver of the insured vehicle.

Claim notification deadline

No specific numeric notification deadline is stated in the reviewed sources; general policy duties require prompt notification of any claim under the AKB.

Bonus-malus rules

Each claim-free year improves the no-claims discount class (Schadenfreiheitsrabatt), reducing the premium; an optional Rabattschutz add-on (available from SF-class 5, no claim in the current calendar year at inception, minimum 12-month term) protects the discount class after the first at-fault claim per year; the no-claims rating can also be transferred between vehicles insured with Öffentliche Oldenburg, including between a car and a camping vehicle.

Where to buy

Kfz Insurance Product Page

Documents

Kfz Insurance Benefits Overview (Basis/Komfort/Premium/E-Premium)

Table of benefits

Open

Comparison of General Terms and Conditions for Motor Insurance (AKB) versions

Other document

Open

Policy specifics

Auto protection letter (breakdown service)

Included breakdown and roadside assistance service across Europe available 24/7

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Discount protection

Optional protection of no-claims bonus/discount-free rating even after one at-fault accident per year

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Mallorca clause

Coverage for damages caused by driver while operating temporarily rented vehicles abroad

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Motorsport activities exclusion

No coverage for damages arising from participation in motorsports, races, competitions, training, or tests where vehicles operate in designated motorsport areas or at high speeds

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Geographic coverage area

Motor liability coverage applies within geographic boundaries of Europe and non-European areas that are part of European Union jurisdiction

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No-claims rating transfer

Insured person's no-claims discount/damage-free rating from one vehicle can be transferred to another vehicle with Öffentliche Oldenburg

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