VHV Vereinigte Hannoversche Versicherung a.G. (VHV Group)
VHV
VHV is a motor third-party liability insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
VHV settles justified third-party claims directly in cash and defends the policyholder against unjustified claims at its own cost (regulation authority under A.1.1.2-A.1.1.4); for repairs via the Schadenservice PLUS network, VHV bills DEKRA-certified partner workshops directly.
Geographic scope
Europe and territories belonging to the EU; extendable to Green Card listed non-European countries
Coverage applies within the geographic boundaries of Europe and territories belonging to the EU; if an International Motor Insurance Card (Green Card) is issued, cover extends to the non-European countries listed on it unless crossed out.
Starting price
€5
Indicative — pricing assumptions not stated
Unique selling points
- Environmental damage liability cover up to EUR 5 million per incident / EUR 10 million per year is included automatically, beyond many insurers' statutory minimums.
- Free VHV Schadenservice PLUS gives a 6-year repair warranty, a free courtesy car and pickup/drop-off service at DEKRA-certified partner workshops.
- 24/7 accident hotline enables immediate, uncomplicated claims handling directly from the scene of the accident.
- The telematics option (KLASSIK-GARANT 2.0) offers up to 30% discount on liability and comprehensive premiums plus a 10% immediate first-year bonus.
- A Leistungs-Update-Garantie automatically extends future policy-condition improvements to existing customers' contracts at no extra cost.
Coverage limits
Bodily injury liability
€50,000,000 – €100,000,000
Motor liability insurance indemnifies the policyholder against third-party claims for bodily injury; the policyholder chooses a lump sum of EUR 50 million per claim event (capped at EUR 12 million per injured person) or EUR 100 million per claim event (capped at EUR 15 million per injured person); the sum jointly covers bodily injury, property damage and pure financial loss.
Property damage liability
€50,000,000 – €100,000,000
Property damage to third parties is covered within the same combined lump sum as bodily injury and pure financial loss: EUR 50 million or EUR 100 million per claim event, selectable at inception; there is no separate sub-limit specifically for property damage stated in the source.
Legal defence / claims handling
Covered
Within the base motor liability cover, VHV settles justified third-party claims in cash and defends the policyholder against unjustified claims at its own cost, including conducting related legal or administrative proceedings in the policyholder's name; a separate optional Verkehrs-Rechtsschutz (traffic legal protection) policy underwritten by Neue Rechtsschutz-Versicherungsgesellschaft AG can additionally be taken out, for which no specific sum insured is agreed and cover is stated to be unlimited.
Green Card / International Motor Insurance Card
Covered
If VHV issues the International Motor Insurance Card (Green Card), liability cover automatically extends to the non-European countries listed on the card unless the country name is crossed out; within Europe and EU territories, cover applies according to the compulsory minimum of the country visited or the policy's own scope, whichever is higher.
Roadside assistance (Schutzbrief)
Optional
Optional add-on, not included by default, providing breakdown and accident assistance: restoring mobility at the roadside (up to EUR 250), towing to the nearest workshop (up to EUR 300), vehicle recovery, continued/return travel and overnight costs from 50 km from home, rental cars, and extended assistance abroad (e.g. rental car costs up to EUR 500-700 depending on conditions edition).
Driver accident cover (Fahrerschutz)
Optional
Optional add-on covering personal injury suffered by the authorised driver in a self-caused or partly self-caused accident while driving (e.g. loss of earnings, survivors' pension, pain and suffering compensation, home-adaptation costs); benefits are calculated as if a third party were liable and are capped at the bodily-injury sum insured agreed under the policy's motor liability cover.
Passenger accident cover
No limit stated
No standalone passenger accident benefit is described within the KLASSIK-GARANT motor product documentation; passengers are only mitinsured under the motor liability extension for bodily injury when no other liability insurance applies to them.
Key conditions
Territorial scope
Coverage applies within the geographic boundaries of Europe and the non-European territories belonging to the EU; the scope follows the compulsory minimum of the country being visited, or the contractual scope if higher.
Green card rules
Where VHV has issued an International Motor Insurance Card (Green Card), liability cover extends to the non-European countries listed on the card, unless a country's name has been crossed out.
Driver restrictions
The vehicle may only be driven by a driver holding the required driving licence; driving under the influence of alcohol or other intoxicating substances that impair safe control of the vehicle is prohibited and can lead to a reduction or exclusion of cover (limited to EUR 5,000 per person within motor liability).
Claim notification deadline
The policyholder must notify VHV of any loss event that could lead to a claim within one week.
Bonus-malus rules
Motor liability and comprehensive cover follow a no-claims discount (Schadenfreiheitsrabatt) system with classes up to SF 50 in favourable cases, re-rated annually at the main due date based on the prior year's claims history, with defined downgrades per claim set out in Annex 1 of the AKB.
Where to buy
Documents
General Terms and Conditions for Motor Insurance (AKB 2015), as of 06/2021
Terms & conditions
General Terms and Conditions for Motor Insurance (AKB 2015), as of 04/2022
Terms & conditions
Consumer information incl. General Terms and Conditions for Motor Insurance, 10/2023 edition
Terms & conditions
Product overview / benefits comparison table – AUTO KLASSIK-GARANT 2.0
Table of benefits
Motor Insurance Product Information Document (IPID)
IPID
Consumer information – international coverage scope
Other document
Consumer information – technology-neutral coverage for automated vehicles
Other document
Policy specifics
Environmental damage coverage
Coverage for environmental damages caused by vehicle use, with specified limits per incident and per year
SourceInternational coverage scope
Motor liability insurance coverage extends to specific geographic boundaries in Europe and designated non-European countries
SourceMallorca policy for rental vehicle liability coverage
Optional coverage for liability risks when using rental vehicles abroad, extending third-party liability protection to hired vehicles
SourceCoverage for attached trailers and towed vehicles
Motor Third-Party Liability extends automatically to attached trailers, semi-trailers, and towed vehicles under specific conditions
SourceClaims settlement and defense procedures
Insurer settles valid claims in cash, defends against unfounded claims at own cost, and covers legal defense procedures in the policyholder's name
SourceTechnology-neutral coverage for automated vehicles
Motor liability insurance coverage applies identically whether the driver operates the vehicle manually or the vehicle operates autonomously/automated
Source