rhion.digital Motor third-party liability (Kfz Haftpflicht Privat)

Lump-sum liability cover of 100 million EUR per event, with up to 15 million EUR per injured person — well above German statutory minimum limits.

The no-claims discount no longer lapses due to a coverage interruption, removing the usual time limitation on SF-class protection.

Temporary widening of the authorized driver circle for up to 30 days a year at no additional premium.

Mallorca policy equalises low foreign liability limits on rental cars abroad up to German coverage levels.

Driver restrictions

The vehicle may only be used by an authorized driver holding the required driving licence; the policyholder, holder, or owner must not knowingly allow use by an unauthorized or unlicensed driver, and must not allow the vehicle to be driven under the influence of alcohol or drugs.

Claim notification deadline

Every loss event that may lead to an insurer payment must be reported within one week; if authorities investigate, this and any procedural developments must be reported without delay.

Bonus-malus rules

Rating follows the no-claims class (SF-class) system in Annex 1, based on claim-free contract duration and the number of reported claims. New contracts without a transferred claims history start in SF class 0; annual re-rating occurs each 1 January based on the previous calendar year's claims record, and the no-claims discount no longer lapses due to a coverage interruption of limited duration.

Territorial scope

Cover applies within the geographical borders of Europe and the non-European territories belonging to the EU; scope follows the visited country's legally mandated minimum where higher than the policy's own limits, and extends to non-European countries listed on an issued Green Card unless struck through.