Rhion Versicherung AG
rhion.digital
rhion.digital is a motor third-party liability insurance for the Germany market with no online purchase and limited assistance availability.
Direct payment
The first premium becomes due upon receipt of the policy document and must be paid promptly (within 14 days); subsequent premiums are due per the agreed payment period. Monthly payment requires a SEPA direct debit mandate; if collection fails and no mandate exists, billing switches to quarterly.
Geographic scope
Germany
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.
Unique selling points
- 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.
- Digital claims service with GPS-tracked breakdown assistance and smartphone-based rapid settlement for minor damage.
Coverage limits
Bodily Injury Liability
€15,000,000
Liability cover for bodily injury is capped at up to 15 million EUR per injured person, within the insurer's overall lump-sum liability coverage of 100 million EUR per claim event.
Property Damage Liability
€100,000,000
Liability cover for property damage (and pure financial loss) is included within the overall lump-sum coverage of 100 million EUR per claim event; no separate sub-limit distinct from this pauschal amount is stated.
Defence Against Claims (Passive Legal Protection)
Covered
As part of standard MTPL cover, the insurer examines third-party claims, pays justified claims, and defends the policyholder against unjustified claims at its own cost, including in court; no separate monetary limit is stated for this function.
International Motor Insurance Card (Green Card)
Covered
If an international insurance card is issued, MTPL cover extends to the non-European countries listed on it, unless the country name has been struck through; this is a territorial extension without a separate monetary limit.
Roadside Assistance (Kfz-Schutzbrief ONroad)
Optional
Optional add-on providing Europe-wide breakdown and accident assistance around the clock: roadside repair up to 500 EUR, towing up to 500 EUR, vehicle recovery, wrong-fuel remedy up to 2,000 EUR, and further benefits (overnight stays, rental car, key replacement) subject to individual sub-limits.
Driver Accident Protection (Fahrerschutz)
€15,000,000
Optional rider attached to the MTPL contract that compensates the driver's own personal injury (e.g. self-caused accidents) as if a third party were liable; maximum indemnity is 15 million EUR per claim event. This limit is separate from the 15 million EUR per-injured-person sub-limit under bodily injury liability.
Passenger Accident Insurance (Kfz-Unfallversicherung)
Optional
A legally independent, optionally contracted insurance covering invalidity, death, and daily-benefit payments for vehicle occupants (pauschal or per-seat system). Sums insured are individually agreed and shown in the policy schedule rather than fixed in the general terms.
Key conditions
Territorial scope
Cover applies within the geographical borders of Europe and the non-European territories belonging to the EU, following the visited country's legally mandated minimum scope where this exceeds the policy's own terms.
Green card rules
If the insurer has issued an international insurance card, cover extends to the non-European countries named on it, provided the country name is not struck through.
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.
Documents
Policy specifics
Mallorca Policy for Rental Vehicles
Coverage for rental vehicle accidents abroad, equalizing low foreign insurance limits to German coverage levels
SourceEnvironmental Damage Insurance
Coverage for damages according to the Environmental Damages Act (Umweltschadensgesetz), such as fuel leaks
SourceDamage to Policyholder's Own Property (Eigenschäden)
Tier-dependent extension within the MTPL contract compensating the policyholder for property damage caused by their own insured vehicle to their own property (e.g. a garage door); not covered in Standard, included up to 100,000 EUR per insurance year in Plus and Premium.
SourceDirect Claim Against Insurer
For compulsory motor liability insurance in Germany, third parties may raise claims directly against the insurer as well as against the insured
SourceTowing Coverage
Coverage extends to damages caused by trailers or semi-trailers towed by the insured vehicle, and towed vehicles under the insured vehicle
Source