Zürich Beteiligungs-Aktiengesellschaft (Deutschland) / Zurich Insurance Europe AG
Zurich
Zurich is a motor third-party liability insurance for the Germany market with no online purchase and 24/7 assistance.
Direct payment
Zurich is authorised to settle or defend third-party claims directly in the policyholder's name and at its own expense (Regulierungsvollmacht); unfounded claims are defended at Zurich's cost
Geographic scope
Europe and EU territories, extendable to non-European countries listed on the Green Card
Coverage applies within the geographical borders of Europe and non-European territories belonging to the EU; scope follows the legally required minimum cover of the visited country, at least the scope of this contract
Unique selling points
- Mallorca Clause included as standard in the Top and Premium tariffs, covering liability gaps when driving a rental car, motorcycle or camper van abroad
- Optional Fahrerschutzversicherung provides the driver personal-injury protection up to EUR 200,000 in pain-and-suffering compensation, going beyond the mandatory liability cover for other parties
- Rabattschutz add-on protects the no-claims discount from the first at-fault claim each year, available from SF class 4 upward
- Optional Auslandschadenschutz lets policyholders claim directly against Zurich, valued as if the foreign at-fault driver held a German policy, avoiding reliance on foreign claims processes
Coverage limits
Bodily Injury Liability
Not established from the insurer's documents
Zurich indemnifies the policyholder against third-party claims for bodily injury or death caused by the use of the vehicle; the exact insured sum is stated in the policy schedule (Versicherungsschein), not in the AKB itself
Property Damage Liability
Not established from the insurer's documents
Zurich indemnifies the policyholder against third-party claims for damage to, destruction of, or loss of property caused by the use of the vehicle; the exact insured sum is stated in the policy schedule, not in the AKB itself
Defence Against Unfounded Claims
Not established from the insurer's documents
If a third-party claim is unfounded (in whole or in part), Zurich defends it at its own cost, including legal defence in litigation; no monetary cap is stated in the AKB
Green Card / International Insurance Card
Not established from the insurer's documents
If Zurich has issued the International Insurance Card (Green Card), cover extends to the non-European countries listed on it, provided the country name is not crossed out; the scope follows the visited country's legal requirements
Roadside Assistance (Kfz-Schutzbrief)
Not established from the insurer's documents
Optional assistance package covering breakdown/accident help: roadside repair up to EUR 300, towing up to EUR 300, vehicle recovery, plus additional benefits (return/onward travel, up to 3 nights accommodation at EUR 100 per person, replacement car up to 7 days at EUR 60 per day, storage up to 2 weeks) if the incident occurs more than 50 km from the policyholder's home; identical benefit levels in Basis, Top and Premium
Driver Accident Cover (Fahrerschutzversicherung)
Not established from the insurer's documents
Optional add-on within the MTPL policy covering the driver's own personal injury while driving: pain-and-suffering compensation up to EUR 200,000, loss of earnings up to EUR 10,000 per month, home/vehicle/workplace conversion up to EUR 250,000, nursing care up to 3x the statutory care-grade rate, burial costs EUR 5,000; only available in Top and Premium, not offered in Basis; requires SF class 4 or better
Passenger Accident Cover (Insassen-Unfallversicherung)
Not established from the insurer's documents
Separately selectable, legally independent contract covering invalidity, death, hospital daily allowance and daily allowance benefits for occupants injured in an accident involving the vehicle; insured sums are fixed individually in the policy schedule and not stated in the AKB; available across Basis, Top and Premium
Key conditions
Territorial scope
Cover applies within the geographical borders of Europe and EU non-European territories; the scope follows the legally required minimum cover of the visited country, at least the scope of this contract
Green card rules
If Zurich issues the International Insurance Card (Green Card), cover extends to the non-European countries listed on it, unless the country name is crossed out
Driver restrictions
The vehicle may only be used by an authorised driver with the required valid driving licence; the policyholder, holder or owner must not knowingly allow use by an unauthorised or unlicensed driver
Claim notification deadline
Every claim event that could lead to a benefit must be reported within one week; claims already asserted against the policyholder must also be reported within one week of being raised
Bonus-malus rules
Premiums for MTPL are set via a no-claims discount system (Schadenfreiheitsklassen, SF 0 to SF 50); a claim-free calendar year improves the class by one step, while a claim year triggers a rollback per fixed downgrade tables; a Rabattschutz add-on can shield the first claim per year from downgrading
Documents
Policy specifics
Mallorca Clause
Additional coverage for liability when driving a rental vehicle abroad that exceeds the rental vehicle's liability coverage
SourceEnvironmental Damage Insurance
Not established from the insurer's documents
Coverage for public law environmental damage claims under German Environmental Damages Act (Umweltschadengesetz)
SourceThird-party source, not the insurer's documentThird-Party Rental Vehicle Coverage
Not established from the insurer's documents
Extends liability coverage to rental vehicles (cars, motorcycles, campers) during first rental period
SourceThird-party source, not the insurer's documentGeographic Scope
Not established from the insurer's documents
Coverage applies within Europe and extends to designated countries in accordance with Green Card system
SourceThird-party source, not the insurer's documentLiability Limit Per Claim
Maximum coverage of EUR 100 million per claim; minimum statutory limits exceeded significantly
SourceClaims Notification Procedure
Claims must be reported directly to Zurich within prescribed timeframes; 24/7 emergency hotline available
SourcePolicyholder Duties
Not established from the insurer's documents
Policyholder must provide truthful and complete information; comply with legal driving requirements; promptly report all changes to risk factors
SourceThird-party source, not the insurer's document