Wüstenrot & Württembergische AG
Württembergische
Württembergische is a motor third-party liability insurance for the Germany market with online purchase and limited assistance availability.
Direct payment
Justified damage claims are settled in cash; the insurer holds settlement authority (Regulierungsvollmacht) to satisfy or reject third-party claims in the policyholder's name, and injured parties may also assert claims directly against the insurer.
Geographic scope
Europe and the non-European territories of the European Union
Cover applies within the geographical borders of Europe and the non-European territories belonging to the EU, following at least the compulsory insurance scope of the visited country; extends to non-European countries listed on a valid Green Card.
Unique selling points
- Even the entry-level KompaktSchutz tier already includes the maximum available liability sums (EUR 100m / EUR 15m per injured person).
- Mallorca cover for accidents caused with a car rented abroad is included free of charge in both KompaktSchutz and PremiumSchutz.
- PremiumSchutz adds a free Ausland-Schadenschutz that compensates the policyholder's own damages after accidents abroad caused by an at-fault third party.
- A Leistungsupdate-Garantie automatically extends future benefit improvements to existing policyholders in the same product line without any additional premium.
- The insurer promotes its motor claims service as recognised for 'fairest claims settlement' (Focus Money) on its product pages.
Coverage limits
Bodily Injury Liability
€100,000,000
Part of a combined (pauschal) EUR 100 million liability sum covering personal injury, property damage and pure financial loss together; personal injury is additionally capped at EUR 15 million per injured person. The statutory minimum sums may alternatively be agreed instead of this pauschal sum.
Property Damage Liability
€100,000,000
Part of the same combined EUR 100 million pauschal liability sum shared with bodily injury and pure financial loss; no separate sub-limit is set specifically for property damage.
Defence Against Unfounded Claims
Covered
The insurer defends the policyholder against unfounded or excessive third-party claims at its own expense; this forms part of the liability cover and carries no separate sum insured.
International (Green) Card
Covered
If a Green Card valid on the date of the accident has been issued, cover extends to the non-European countries listed on the card (unless crossed out), at least at the level required by the visited country, but never less than this policy's own scope.
Roadside Assistance / Breakdown Cover
Optional
Not included in the Kfz-Haftpflicht baustein itself; roadside and breakdown assistance is offered as a separate, legally independent optional 'Schutzbrief' contract available in KompaktSchutz and PremiumSchutz versions alongside the liability policy.
Driver Accident Cover
Optional
Injury or death of the policyholder's own driver while driving is not covered by the Kfz-Haftpflicht baustein; it is available as a separate optional 'Fahrer-Schutzversicherung' baustein, which compensates the driver's personal injury as if a third party were liable, up to the liability policy's personal-injury sum.
Passenger Accident Cover
Optional
Not part of the Kfz-Haftpflicht baustein; a separate optional 'Kfz-Unfallversicherung' product is referenced in the insurer's product information document, paying agreed lump sums for invalidity or death of vehicle occupants after a traffic accident.
Key conditions
Territorial scope
Cover applies within the geographical borders of Europe and the non-European territories belonging to the EU, at least to the extent legally required in the visited country, but never less than this contract's own scope.
Green card rules
If a Green Card valid for the accident date has been issued, cover extends to the non-European countries listed on it that are not crossed out, at the scope described under territorial scope.
Driver restrictions
The vehicle may only be used for the agreed purpose and only by an authorised driver holding the required driving licence; it must not be driven, or lent to a driver, under the influence of alcohol or other intoxicants unfit to drive safely. Breach of these duties can lead to full or partial loss of cover.
Claim notification deadline
Any event that may lead to a claim must be reported to the insurer within one week; claims already asserted against the policyholder out of court must likewise be reported within one week of being raised.
Bonus-malus rules
Premiums follow a no-claims (Schadenfreiheits-/SF) class system based on the claim-free, uninterrupted contract duration; a claim-free calendar year moves the contract to the next better SF class, while one or more claims trigger a downgrade per a fixed table, down to class M after four or more claims in a year.
Where to buy
Policy specifics
Mallorca Coverage
Coverage extension for liability when driving rental vehicles in foreign countries (particularly Mallorca and other EU destinations)
SourceEnvironmental Damage Coverage
Coverage for public-law claims arising from environmental damage under German Environmental Liability Act (Umweltschadensgesetz)
SourceInsurance Sum Limits
Maximum coverage amounts: 100 Million EUR flat coverage for personal injury and property damage combined, with personal injury limited to maximum 15 Million EUR per injured party
SourceGross Negligence Coverage
Insurer does not invoke defense against claims based on gross negligence (grobe Fahrlässigkeit) by policyholder in Kfz-Haftpflicht
SourceDirect Settlement with Injured Party
Insurer pays claims directly to injured third parties rather than reimbursing policyholder, as provided by German motor insurance law (Kfz-Haftpflichtversicherungsgesetz)
Source