Reviewed from source documents

SIGNAL IDUNA Group

SIGNAL IDUNA

SIGNAL IDUNA is a motor third-party liability insurance for the Germany market with online purchase and limited assistance availability.

Last verified Aug 27, 2026Reviewed by: Boleron EUTerms & conditions: 2026-05Underwritten by: SIGNAL IDUNA Allgemeine Versicherung AG
Online purchase

Direct payment

SIGNAL IDUNA reviews third-party claims against the policyholder, defends against unjustified claims at its own expense, and settles justified claims directly with the claimant.

Geographic scope

Geographical Europe, EU overseas territories, and further regions such as Greenland, the Faroe Islands and the Canary Islands

Cover applies within the geographical borders of Europe and EU overseas territories; abroad, at least the legally required minimum cover of the visited country applies, or the scope of the German contract if higher.

Unique selling points

  • Liability cover of up to EUR 100 million in total, with up to EUR 15 million for bodily injury per person, well above typical market minimums.
  • Free 'Mallorca Policy' extends liability cover to rented or borrowed vehicles across the EU, Norway and Switzerland at no extra premium.
  • Environmental damage cover for harm to protected animals, plants, water and soil is bundled in automatically at no extra cost.
  • Rated 'fairest motor service insurer' by FOCUS-MONEY, reflecting recognised service quality.
  • Damage caused by the policyholder's gross negligence is covered automatically, without the insurer invoking a reduction of benefits.

Coverage limits

Bodily Injury Liability

€15,000,000

Covers third-party bodily injury claims up to EUR 15 million per injured person, within the overall EUR 100 million lump-sum liability limit ('100 Mio. Euro pauschal').

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Property and Financial Loss Liability

€100,000,000

Property damage and pure financial loss claims caused to third parties are reimbursed within the overall EUR 100 million lump-sum liability limit, combined with bodily injury claims.

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Legal Defence / Claims Handling

unlimited

The insurer investigates claims raised by third parties, defends unjustified claims at its own cost and settles justified ones; costs it incurs for expert opinions, legal advice and litigation are never counted against the sum insured.

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Green Card / International Motor Insurance Card

Covered

If a green card is issued, liability cover extends to the non-European countries listed on it (unless struck through), applying either the destination country's legal minimum cover or the policyholder's own contractual scope, whichever is higher.

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Roadside Assistance (Kfz-Schutzbrief)

Optional

Optional breakdown and accident assistance package covering roadside help and towing (unlimited if organised by the insurer, otherwise up to EUR 150), a replacement vehicle for up to 7 days (EUR 60/day, EUR 300 abroad), up to 3 overnight stays (EUR 80/night) and search/rescue costs up to EUR 3,000. It is included as standard in the Premium tariff and available as a paid add-on in the Basis tariff.

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Driver Accident Protection (Fahrerschutz)

€15,000,000

Optional add-on compensating the driver's own bodily-injury losses from an accident, including self-caused accidents, up to EUR 15 million, where no claim can be made against a third party (e.g. a social insurer); available to drivers over 24 years of age and only in combination with the MTPL policy.

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Passenger/Occupant Accident Protection (Personenschutz)

Optional

Optional accident cover providing financial support for vehicle occupants who suffer serious injury in an accident, including reimbursement of veterinary costs for animals travelling in the vehicle up to EUR 1,000. The main benefit amount is set individually in the policy schedule.

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Key conditions

Territorial scope

Cover applies within the geographical borders of Europe, EU overseas territories, and further regions such as Greenland, the Faroe Islands and the Canary Islands; abroad, at least the legally required minimum cover of the visited country applies.

Green card rules

If a green card has been issued, cover also extends to the non-European countries listed on it (unless struck through), applying the destination country's legal minimum requirement or the contract's own scope, whichever is higher.

Driver restrictions

The vehicle may only be used by an authorised driver holding the required driving licence; driving while unfit due to alcohol or other intoxicating substances constitutes a breach of policy obligations and can reduce or exclude cover, subject to statutory caps.

Claim notification deadline

Policyholders must notify SIGNAL IDUNA of any event that may lead to a claim within one week; claims formally asserted against the policyholder must likewise be reported within one week of being raised.

Bonus-malus rules

The no-claims discount (Schadenfreiheitsrabatt) system currently runs up to class SF 45; premiums fall for claim-free years and rise after claims according to the no-claims class tables, with special starter classes for second cars, new drivers and 'accompanied driving from 17' participants, and an optional no-claims-class protection ('Rabattschutz') for one claim per calendar year.

Where to buy

Calculate premium and buy car insurance online
Buy MTPL (Kfz-Haftpflicht) insurance online

Documents

General Terms and Conditions for Motor Insurance (AKB, effective 01.07.2014)

Terms & conditions

Open

Forms and downloads portal

Other document

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Policy specifics

Mallorca Police

Coverage extension included at no extra cost for liability when driving rental vehicles in EU, Norway, and Switzerland

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Environmental Damage Protection

Coverage for environmental damage liability under German Environmental Damages Act (USchadG) for damage to protected animals, plants, waters, and soils

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Animal Collision and Consequential Injury Coverage

Coverage for damage from collisions with animals (all types) and consequential damage from animal bites - Basic tier covers standard amounts, Premium tier extends to 20,000 EUR for bite-related consequential damage

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Gross Negligence Waiver

Waiver of the insurer's right to deny coverage based on policyholder's gross negligence in Comprehensive and Collision coverage

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Liability Coverage Limit

Maximum liability coverage of 100 million euros in the Kfz-Haftpflichtversicherung component; per-person limit for bodily injury claims typically 15 million euros

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Tariff Variants - Basic and Premium

Car insurance offered in two tariff levels (Basis and Premium) with different coverage scopes and optional add-ons

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Multi-Vehicle Discount (Zweitwagen)

Special discount classification for second vehicle when first vehicle is already insured with SIGNAL IDUNA - vehicle can be classified in lower no-claims class (SF 1/2 or SF 3)

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Workshop Binding Option

Optional cost-saving feature that restricts repair authorization to SIGNAL IDUNA-approved workshop network; available for both conventional vehicles and electric vehicles

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No Deduction for New Parts (Neu für Alt)

In Comprehensive and Collision coverage, policyholder receives full reimbursement for replacement parts without deduction for wear and tear

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THG Premium Service for E-Vehicles

For electric vehicles: integrated service to claim THG (Treibhausgasquote) premium directly through SIGNAL IDUNA website; proceeds credited to policyholder

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Roadside Assistance (Schutzbrief)

Optional add-on coverage providing European roadside assistance, towing, accommodation, taxi, and rental car services for breakdowns and accidents

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Roadside Assistance Tier Difference

The Kfz-Schutzbrief (roadside assistance) is included as standard in the Premium tariff, while Basis tariff customers can add it separately for an extra premium (from roughly EUR 11.90/year according to third-party comparison data).

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