Sparkassen-Versicherung Sachsen Motor third-party liability (Sparkassen Autoversicherung Direkt)

Flat 100 million EUR liability sum insured per claim, far above the statutory minimum, with bodily injury covered up to 15 million EUR per injured person.

24/7 Soforthilfe claims hotline available every day of the year for policyholders.

Policyholders get a 20% discount on driver-safety training courses at the Sachsenring safety centre.

Included Mallorca cover protects rental-car accidents abroad up to the German sum insured even where local compulsory limits are lower.

Driver restrictions

Only drivers who, per the German driving licence rules for their age, are entitled to hold the required licence class may use the insured vehicle; the driver's own injury claims are not covered under MTPL and require separate Fahrerschutz cover.

Claim notification deadline

Policyholders must notify the insurer of a loss event without undue delay, as required under the General Terms and Conditions for Motor Insurance (AKB) and German insurance contract law (VVG).

Bonus-malus rules

The premium depends on the number of proven claims-free insurance years (Schadenfreiheitsrabatt); claims-history statements issued in the EEA are recognised on the same basis as domestic ones if they follow the EU Commission's standard template, and an optional Rabattretter protects the no-claims class after a first claim in a year.

Territorial scope

Coverage applies in Germany and abroad; the included Mallorca cover protects rented vehicles in European countries up to the sum insured agreed in Germany, even where local compulsory limits are lower.