Württembergische Versicherung AG
Württembergische
Württembergische is a motor third-party liability insurance for the Germany market with online purchase and limited assistance availability.
Direct payment
The insurer is authorised to settle or defend third-party liability claims directly in the policyholder's name: it pays justified claims in cash and rejects unjustified claims at its own cost.
Geographic scope
Europe and EU territories
Cover applies within the geographical boundaries of Europe plus non-European territories belonging to the EU; extended to non-European Green Card countries not crossed out when a valid International Motor Insurance Card is issued.
Unique selling points
- Motor liability cover comes with a pooled sum insured of EUR 100 million, including up to EUR 15 million per injured person for bodily injury – well above the statutory minimum.
- A Leistungsupdate-Garantie automatically extends any future policy improvements to existing customers at no extra premium.
- Both the KompaktSchutz and PremiumSchutz lines include Mallorca cover for liability claims caused with a rental car abroad.
- PremiumSchutz customers get an Ausland-Schadenschutz add-on letting them claim directly from Württembergische after accidents abroad where the other driver is liable.
- The insurer markets its motor claims handling as award-winning for fairness (Focus Money 'Fairste Schadenregulierung').
Coverage limits
Bodily Injury Liability
€15,000,000
Liability cover for bodily injury caused to third parties within a pooled lump-sum limit of EUR 100 million shared by bodily injury, property damage and pure financial loss claims; the amount payable per injured person is capped at EUR 15 million. A statutory-minimum sum insured can be chosen instead.
Property Damage Liability
€100,000,000
Liability cover for property damage and pure financial loss caused to third parties, within the same EUR 100 million pooled lump-sum limit shared with bodily injury claims. A statutory-minimum sum insured can be chosen instead of the pooled 100 million limit.
Legal Defence / Passive Legal Protection
Covered
The insurer defends the policyholder against unjustified third-party damage claims at its own cost and, if necessary, disputes their validity in court; no separate monetary sub-limit is stated for this defence.
Green Card / International Motor Insurance Card
Covered
Where a valid International Motor Insurance Card (Green Card) has been issued, cover extends to the non-European countries listed on it, provided the country name is not crossed out; the scope of cover follows the visited country's statutory minimum, at least matching this contract.
Roadside Assistance (Schutzbrief)
Optional
Roadside and breakdown assistance is not part of the core Kfz-Haftpflichtversicherung; it is available as a separately contracted Schutzbrief module (Teil A.3) covering breakdown, accident and theft assistance for the vehicle and its occupants.
Driver Accident Cover (Fahrer-Schutzversicherung)
Optional
Personal injury to the vehicle's own driver is not covered under the Kfz-Haftpflichtversicherung itself; it can be separately contracted as the Fahrer-Schutzversicherung module (Teil A.4), which compensates the driver's own bodily injury or death from an accident while driving, as if a third party were liable.
Passenger Accident Cover
No limit stated
Die Württembergische bietet keine klassische, standardmäßig eingeschlossene Insassenunfallversicherung, sondern optional den Baustein 'Fahrer-Schutz' bzw. eine eigenständige Fahrerschutzversicherung. Laut Württembergische gilt: 'Werden Sie selbst bei einem Unfall verletzt, können Sie nur eine Leistung für Ihren Personenschaden erhalten, wenn für Sie eine Fahrerschutzversicherung vereinbart ist.' Der Baustein Fahrer-Schutz ist fahrzeuggebunden und kann nur zusätzlich zur Kfz-Versicherung abgeschlossen werden, während die eigenständige Fahrerschutzversicherung auch ohne Kfz-Vertrag bei der Württembergischen möglich ist. In bestimmten Fällen sind zudem Halter, Eigentümer, Fahrer und Beifahrer eines mitversicherten Fahrzeugs über die Kfz-Haftpflicht mitversichert.
Key conditions
Territorial scope
Cover applies within the geographical boundaries of Europe and non-European territories forming part of the EU; the scope of cover follows the compulsory-insurance requirements of the country visited, but at least matches the scope of this contract.
Green card rules
If a valid International Motor Insurance Card (Green Card) has been issued for the day of the loss event, cover extends to the non-European countries named on it, unless the country name has been crossed out.
Driver restrictions
The vehicle may only be used by an authorised driver holding the required driving licence, and never by a driver unable to drive safely due to alcohol or other intoxicating substances; violations can result in loss or reduction of cover.
Claim notification deadline
Every loss event that may lead to a claim must be reported within one week; property damage claims not expected to exceed EUR 1,000 need only be reported if self-settlement with the injured party fails.
Bonus-malus rules
Contracts are re-rated annually on 1 January based on the prior calendar year's claims record, moving between SF-Klasse 0/M and up to SF 50 according to fixed tables; the optional Rabatt-Schutz add-on protects one claim per year from causing a downgrade but only applies to drivers aged 23 or older.
Policy specifics
Mallorca Coverage
Liability coverage for damages caused by rented vehicles in European foreign countries
SourceEnvironmental Liability Coverage
Coverage for public-law claims under German Environmental Liability Act (USchadG) and EU Environmental Liability Directive
SourcePassive Legal Defense
Insurer defends against unjustified damage claims and disputes their validity in court if necessary
SourceGreen Card / International Insurance Coverage
Coverage in non-European countries when international insurance certificate (Green Card) is issued
SourceAusland-Schadenschutz Tier Availability
Ausland-Schadenschutz (foreign accident protection allowing direct claims against Württembergische when a foreign third party is liable) is included as part of the Kfz-Haftpflichtversicherung in the PremiumSchutz tariff line, but is not available at all in KompaktSchutz.
SourceInsurance Coverage Limits
Maximum liability coverage of EUR 100 million aggregate, with EUR 15 million per injured person for bodily injury claims
SourcePremium Payment Obligation
Policyholder must pay premiums on time and in full; coverage begins only after payment is received
SourceClaims Notification Requirement
Policyholder must notify insurer of any claim or loss promptly and provide complete and truthful information
SourceDriver Conduct Conditions
No driving under influence of alcohol or drugs; only authorized drivers with valid license may operate insured vehicle
Source