VGH Versicherungen (Landschaftliche Brandkasse Hannover / Provinzial Lebensversicherung Hannover)
VGH
VGH is a motor third-party liability insurance for the Germany market with online purchase and limited assistance availability.
Direct payment
VGH settles justified third-party claims in cash directly to the claimant and defends unjustified claims (including claims unjustified in amount) at its own expense; VGH is authorised to satisfy or reject claims asserted against the policyholder in the policyholder's name.
Geographic scope
Geographic Europe and non-European territories belonging to the European Union
Coverage applies within the geographic boundaries of Europe and the non-European territories of the EU. The scope follows the legally mandated minimum coverage of the country visited, at least matching the scope of the German contract. Coverage can be extended to further non-European countries listed on the International Insurance Card (Green Card), unless the country name is crossed out.
Unique selling points
- Liability coverage of up to EUR 15 million per injured person and EUR 100 million lump sum for property/financial damage, well above the German statutory minimum.
- The Komfort tariff includes the Mallorca-Police, extending liability cover to temporarily rented vehicles abroad free of charge.
- Motor environmental damage insurance (Kfz-Umweltschadenversicherung) is included free of charge alongside the high-sum liability policy.
- Small claims up to EUR 500 can be settled privately and reported later, helping policyholders protect their no-claims class.
- In case of a fire in an electric or plug-in hybrid vehicle, VGH covers the costs of transport and storage in a special water container, including contaminated water disposal.
Coverage limits
Bodily Injury Liability
€15,000,000
VGH indemnifies the policyholder against claims for bodily injury caused to third parties through use of the vehicle, up to a maximum of EUR 15 million per injured person, within the overall lump-sum liability sum of EUR 100 million for personal, property and financial loss combined.
Property and Financial Loss Liability
€100,000,000
VGH indemnifies the policyholder against claims for property damage and pure financial loss caused to third parties through use of the vehicle, under a lump-sum liability limit of EUR 100 million per event for property and financial damage combined.
Passive Legal Defence Against Unjustified Claims
Covered
VGH defends unjustified claims (including claims unjustified in amount) against the policyholder at its own cost, conducts any resulting litigation in the policyholder's name via its own appointed lawyer, and is authorised to make all declarations it deems appropriate to settle or reject claims.
International Insurance Card (Green Card)
Covered
Where VGH has issued the International Insurance Card, liability coverage extends beyond Europe/EU to the non-European countries listed on the card, provided the country name is not crossed out; the scope of protection in the visited country follows the legally mandated local minimum.
Roadside Assistance (Autoschutzbrief)
Optional
Optional add-on ('auf Wunsch' in both the Basis and Komfort tariff) that can only be taken out together with the Kfz-Haftpflichtversicherung. Provides breakdown, accident and theft assistance across Europe and EU territories with individual sub-limits (e.g. EUR 100 for on-site breakdown repair, up to EUR 2,500 for recovery of campers/vans, up to EUR 350 for a 7-day replacement vehicle).
Driver Protection (Fahrerschutzversicherung)
€15,000,000
Optional cover that can be added alongside a Kfz-Haftpflichtversicherung for a Pkw or camper, compensating the driver's own bodily-injury losses from an at-fault accident as if a third party were fully liable; the insurer's payment per event is capped at the per-person liability sum agreed for the vehicle (max. EUR 15 million).
Passenger/Occupant Accident Insurance (Kfz-Unfallversicherung / Insassenschutz)
Optional
Optional accident cover for the driver and all authorised occupants of the vehicle for accidents directly connected to its use (invalidity, hospital daily allowance, death benefit); the specific insured sums are individually agreed and shown on the policy schedule rather than fixed in the terms.
Key conditions
Territorial scope
Liability coverage applies within the geographic borders of Europe and the non-European territories of the EU; the scope follows the legally required minimum coverage of the country visited, but at least the scope of the German contract.
Green card rules
If VGH has issued the International Insurance Card (Green Card), coverage extends to the non-European countries listed on the card, provided the country name has not been crossed out.
Driver restrictions
A natural person may only conclude the contract if they hold the driving licence appropriate to their age for the insured vehicle; the vehicle may only be used by a driver authorised by the party entitled to dispose of it and who holds the required licence.
Claim notification deadline
The policyholder must notify VGH of any event that could lead to a claim within one week; a report made to VGH's accident and breakdown emergency call centre is deemed valid for the entire motor insurance.
Bonus-malus rules
Premiums follow the No-Claims Discount (Schadenfreiheitsrabatt/SF-Klassen) system: new contracts start in class 0 (or a special starting class under defined conditions), move up one class per claim-free calendar year, and are set back after an at-fault claim according to fixed tables; an optional 'Rabattschutz' add-on can protect the class from the first claim in a year if the contract is rated at least SF-class 5 in both liability and comprehensive cover.
Policy specifics
Mallorca Insurance
Optional coverage for temporarily rented vehicles abroad (excluding Germany), available in Komfort tariff and above
SourceDriver Protection
Optional coverage protecting against financial consequences of personal injury from self-caused accidents for all authorized drivers
SourceOccupant Accident Insurance
Optional coverage for accidents directly related to vehicle use, available with pauschal or seat-based systems
SourceDiscount Protection
Optional feature preventing downgrade after at-fault claim if contract meets SF-class 5 minimum in both liability and comprehensive coverage
SourceElectric Vehicle Premium Coverage
Extended coverage for electric and plug-in hybrid vehicles, including battery damage, charging infrastructure, and wireless charging
SourceTariff Tiers
Coverage available in Basis (cars only), Komfort, and Premium tiers with varying scope and limits
SourceLiability Coverage Limits
Standardized high coverage limits for bodily injury and property/financial damage liability
SourceClaims Payment Method
Insurer settles claims through direct payment to claimants for valid claims; unfounded claims are defended at insurer's expense
SourceContract Term
Insurance year runs on calendar year basis (January 1 to December 31); standard term is 12 months
SourceCancellation Terms
Contract cancellation possible at end of insurance year with one month advance notice; early termination available after claims settlement
SourceAge Requirement for Drivers
Natural persons can only conclude contract if they possess appropriate driving license for the vehicle by age
Source