Versicherungskammer Bayern Motor third-party liability (Kfz Vario)

Kfz Vario FahrStil telematics program rewards cautious young drivers with a guaranteed 30% starting discount and up to 45% ongoing discount from the second year based on driving behaviour.

Advertised liability protection of up to 100 million euros combined for personal injury, property and financial loss claims per event.

Freely combinable optional modules such as the Kfz-Schutzbrief roadside assistance, Rabattschutz no-claims protection, and Werkstatt Service network repair discount can be added to the base policy.

Cover explicitly extends to damage arising from failing or faulty automated/autonomous driving systems.

Driver restrictions

The vehicle may only be used by an authorized driver who uses it with the knowledge and consent of the person entitled to dispose of it, and only by a driver holding the required driving licence; alcohol or drug-impaired driving is prohibited.

Claim notification deadline

Every claim event that could lead to a payment must be reported within one week; immediate notification to the accident and breakdown emergency call centre satisfies this for the whole motor policy.

Bonus-malus rules

Premiums follow a no-claims discount system (SF-classes); contracts are re-rated annually based on the prior year's claims history, with defined upgrade tables for claim-free years and downgrade tables per number of claims; a downgrade can be avoided by voluntarily reimbursing the insurer's payout, or via the optional Rabattschutz feature.

Territorial scope

Coverage applies within the geographical borders of Europe and the non-European territories of EU member states; extended to further non-European countries listed on the Green Card, unless struck through.