Extracted from source documents

Sparkassenversicherung Motor third-party liability (Kfz Haftpflichtversicherung)

Underwritten by SV SparkassenVersicherung AG · Germany

motor third-party liability insurance from Sparkassenversicherung for the Germany market, with 24/7 assistance.

Verified Aug 28, 2026 · Terms dated 2010-10-01Sources

24/7 helpline

Unique selling points

Combined liability sum of EUR 100 million per claim event, far above the statutory minimum cover limits.

Mallorca cover is included in the liability insurance for temporarily rented cars, motorcycles or campers abroad for up to six weeks.

24-hour breakdown and accident assistance hotline available year-round via the Autoschutzbrief.

No-claims-class protection add-ons ('Rabattretter' and 'Rabattschutz') can shield policyholders from a full premium downgrade after a claim.

Coverage limits

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

€15M

Covered

Defence Against Unfounded Claims

Covered

If claims made against the policyholder are unfounded, in whole or in part, the insurer defends against them at its own expense; the AKB does not state a separate sum insured or cap for this defence cover.

Clause A.1.1.3Page 5

Section: A > A.1 > A.1.1

Sind Schadenersatzansprüche unbegründet, wehren wir diese auf unsere Kosten ab. Dies gilt auch, soweit Schadenersatzansprüche der Höhe nach unbegründet sind.

Covered

Green Card / International Motor Insurance Card

Covered

If the insurer has issued an international insurance card (Green Card), liability cover also extends to the non-European countries listed on it, unless the country name is struck through; the scope of cover then follows the destination country's legally required level.

Clause A.1.4.2Page 6

Section: A > A.1 > A.1.4

Haben wir Ihnen die Internationale Versicherungskarte ausgehändigt, gilt: Ihr Versicherungsschutz in der Kfz-Haftpflichtversicherung erstreckt sich auch auf die dort genannten nichteuropäischen Länder, soweit Länderbezeichnungen nicht durchgestrichen sind.

Optional

Autoschutzbrief (Roadside Assistance)

Optional

Roadside and breakdown assistance is provided under the separate, legally independent 'Autoschutzbrief' contract (with Kasko-Anbindung), covering help after breakdown or accident, towing, recovery, replacement transport and a 24-hour service line; it is not automatically included in the MTPL contract but sold alongside it.

Clause A.3.1Page 15

Section: A > A.3 Autoschutzbrief

Nach Eintritt der in A.3.5 bis A.3.9 genannten Schadenereignisse unterstützen wir Sie mit unseren Service-Leistungen oder erstatten die von Ihnen aufgewendeten Kosten im Rahmen dieser Bedingungen.

Optional

Driver Accident Cover

Optional

No limit stated

Accident cover for the driver is offered under the separate Kfz-Unfallversicherung contract (A.4) and/or the 'Fahrerschutz' surcharge module listed among the add-on options; sums insured are set individually on the policy schedule and are not stated in the general sources.

Optional

Passenger Accident Cover

Optional

No limit stated

Accident cover for vehicle occupants is provided under the separate Kfz-Unfallversicherung contract (A.4, Pauschal- or Platzsystem); sums insured are agreed individually per the policy schedule and are not stated in the general sources.

Key conditions

Driver restrictions

The vehicle may only be used by an authorised driver who uses it with the knowledge and consent of the person entitled to dispose of it, and only with the driving licence required for that vehicle class; 17-year-olds under the 'begleitetes Fahren' scheme may only drive accompanied by a person named on their certificate, and not if that companion is impaired by alcohol or other intoxicants.

Claim notification deadline

Any event that could give rise to a claim must be reported to the insurer within one week; if a claim is asserted against the policyholder by a third party, this must also be reported within one week of the claim being raised.

Bonus-malus rules

Premiums follow a no-claims class (SF-Klasse) system based on claim-free years, with annual reclassification each January, defined downgrade steps per claim, and optional add-ons such as 'Rabattretter' (limited downgrade protection from SF 25 upward) and 'Rabattschutz' (surcharge-based full downgrade protection from SF 4 upward).

Territorial scope

Cover applies within the geographic borders of Europe and the non-European territories belonging to the European Union; the scope of cover follows the level legally required in the country visited, but at least the level agreed in the contract.

Documents

Kfz Insurance Benefits Overview (Tariff 10/2023) (opens in a new tab)

Table of benefits · PDF

General Terms and Conditions for Motor Insurance (AKB) (opens in a new tab)

Terms & conditions · PDF

Contract Basis Overview for Motor Insurance (Ed. January 2025) (opens in a new tab)

Other document · PDF

Contract Basis Overview for Motor Insurance (Ed. August 2024) (opens in a new tab)

Other document · PDF

Policy specifics

Mallorca Insurance Policy

Included coverage for vehicle liability when driving a temporarily rented car or motorcycle abroad for vacation trips up to six weeks outside Germany

SourcePage 1

Section: Kfz-Haftpflichtversicherung

Mallorca-Deckung

Environmental Damage Liability Insurance

Coverage for public-law claims arising from environmental damage as defined in the Environmental Damage Act (Umweltschadengesetz)

SourceClause A.5.1Page Seite 21 von 56

Section: A.5 Kfz-Umweltschadenversicherung

Wir stellen Sie von öffentlich-rechtlichen Ansprüchen zur Sanierung von Umweltschäden nach dem Umweltschadengesetz (USchadG) frei, die durch einen Unfall, eine Panne oder eine plötzliche und unfallartige Störung des bestimmungsgemäßen Gebrauchs des Fahrzeugs (Betriebsstörung) verursacht worden sind.

Workshop Tariff with Workshop Binding

Special tariff option that binds repairs to specific approved workshop network with potential cost benefits and VIP service

SourcePage Seite 55 von 56

Section: Anhang 7: Besondere Vereinbarung Werkstatt-Tarif

Sofern Sie mit uns den Werkstatt-Tarif mit Werkstattbindung vereinbart haben, gelten hierfür die Bestimmungen der Kaskoversicherung, sofern in diesem Anhang nichts anderes vereinbart ist.

Geographic Coverage - Europe

Kfz-Haftpflichtversicherung and Kasko coverage extends within the geographic boundaries of Europe and non-European territories belonging to the European Union

Source

Section: FAQ zur Kfz-Versicherung

Ja. Mit der Kfz-Versicherung der SV sind Sie in ganz Europa versichert – und auch in den Gebieten außerhalb Europas, die zur Europäischen Union gehören.

Liability Transfer on Claims

Insurer settles liability claims directly with injured parties and determines claim validity; the insurer does not reimburse the policyholder but settles claims directly

SourceSource no longer reachable

Damage-Free Classification System

Bonus system rewarding safe driving through damage-free years (SF-Klassen), with annual step increases and claim-based downgrades affecting premium calculation

Source

Section: FAQ zur Kfz-Versicherung

Die Schadenfreiheitsklasse (SF-Klasse) ist ein Rabattsystem der Kfz-Versicherung, das sicheres Fahren belohnt. Wer Jahr für Jahr unfallfrei unterwegs ist, steigt in eine höhere SF-Klasse auf und zahlt dadurch weniger Beitrag.

Sources