Sparkassen DirektVersicherung Motor third-party liability (Autoversicherung Kfz Haftpflicht)

Automatically switches existing customers to a cheaper new tariff each year if it becomes available, without requiring the customer to act.

AutoPlusProtect and AutoPremium include private-patient hospital treatment for the driver and all occupants after an accident.

Up to 6% premium discount for installed driver assistance systems, plus an additional 5% discount for online conclusion.

In the AutoPremium tariff, AuslandSchadenschutz settles your own damage after a not-at-fault accident abroad as if the other party were insured with Sparkassen DirektVersicherung.

Driver restrictions

Cover extends to the policyholder and other authorised occupants/drivers of the insured vehicle, who can also assert claims directly against the insurer, unless other liability cover already applies to them.

Claim notification deadline

No specific notification deadline was found in the reviewed sources; claims can be reported at any time via app, online form or the 24/7 claims phone line.

Bonus-malus rules

Premiums are influenced by the no-claims class (Schadenfreiheitsklasse, SF-Klasse); no-claims years are preserved when switching insurer and are not lost.

Territorial scope

Cover applies throughout Germany and the EU/EEA and other Green Card countries; a Mallorca policy tops up liability cover for rental vehicles abroad up to the domestic sums insured.