VHV Motor third-party liability (Klassik Garant)
Underwritten by VHV Allgemeine Versicherung AG · Germany
motor third-party liability insurance from VHV for the Germany market, with online purchase and 24/7 assistance.
Verified Sep 2, 2026 · Terms dated 2025-10-01Sources
Key facts
- VHV
- Starting price: €4.80per monthAs published by the insurer — it does not say who the price is for
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.
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
€12M – €15M
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.
Section: AUTO > PRODUKTÜBERSICHT > Kraftfahrzeug-Haftpflichtversicherung > Versicherungsumfang
50 Mio. Euro pauschal (max. 12 Mio. Euro je geschädigte Person) 100 Mio. Euro pauschal (max. 15 Mio. Euro je geschädigte Person)
Property damage liability
€50M – €100M
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 700).
Section: A Welche Leistungen umfasst Ihre Kraftfahrtversicherung? > A.3 Schutzbriefleistungen > A.3.10 Zusätzliche Leistungen bei einer Auslandsreise > A.3.10.1 Bei Panne und Unfall > c) Mietwagen
Wir übernehmen die Kosten des Mietwagens bis höchstens 700 EUR.
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.
Key conditions
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.
Territorial scope
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.
Documents
General Terms and Conditions for Motor Insurance (AKB 2015), as of 06/2021 (opens in a new tab)
Terms & conditions · PDF
General Terms and Conditions for Motor Insurance (AKB 2015), as of 04/2022 (opens in a new tab)
Terms & conditions · PDF
Consumer information incl. General Terms and Conditions for Motor Insurance, 10/2023 edition (opens in a new tab)
Terms & conditions · PDF
Product overview / benefits comparison table – AUTO KLASSIK-GARANT 2.0 (opens in a new tab)
Table of benefits · PDF
Motor Insurance Product Information Document (IPID) (opens in a new tab)
Product information sheet · PDF
Consumer information – international coverage scope (opens in a new tab)
Other document · PDF
Consumer information incl. General Terms and Conditions for Motor Insurance (AUTO / KLASSIK-GARANT 2.0), KN 0725 PC, as of 10/2025 (opens in a new tab)
Terms & conditions · PDF
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
SourceClause A.1.4.1Page 19Section: A Welche Leistungen umfasst Ihre Kraftfahrtversicherung? > A.1 Kraftfahrzeug-Haftpflichtversicherung > A.1.4 In welchen Ländern besteht Versicherungsschutz? > A.1.4.1 Versicherungsschutz in Europa und in der EU
Sie haben in der Kraftfahrzeug-Haftpflichtversicherung Versicherungsschutz in den geographischen Grenzen Europas sowie den außereuropäischen Gebieten, die zum Geltungsbereich der Europäischen Union gehören.
Mallorca policy for rental vehicle liability coverage
Included in the motor liability cover (except where only statutory minimum sums are insured, or with short-term number plates): extends liability protection to vehicles the policyholder or partner rent abroad during a temporary holiday trip.
SourceClause A.1.6.1Page 20Section: A Welche Leistungen umfasst Ihre Kraftfahrtversicherung? > A.1 Kraftfahrzeug-Haftpflichtversicherung > A.1.6 Was ist zusätzlich versichert? > A.1.6.1 Erweiterter Umfang der Kraftfahrzeug-Haftpflichtversicherung für Selbstfahrervermietfahrzeuge
Der Versicherungsschutz Ihrer Kraftfahrzeug-Haftpflichtversicherung für einen Pkw, ein Campingfahrzeug, Kraftrad, Leichtkraftrad, Trike oder Quad umfasst auch die gesetzliche Haftpflicht von Ihnen und Ihrem Ehe- bzw. Lebenspartner, mit dem Sie in häuslicher Gemeinschaft (mit selber Anschrift) leben aus dem Gebrauch eines fremden, versicherungspflichtigen Fahrzeugs, das Sie oder Ihr Partner im Ausland während einer vorübergehenden Auslandsurlaubsreise im in A.1.4 festgelegten Geltungsbereich von einem gewerbsmäßigen Vermieter als Selbstfahrervermietfahrzeug angemietet haben.
Coverage 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
SourceSources
VHV Motor third-party liability