Solid and affordable
for price-conscious customers
Insured:
✓ 12 months compensation for new value
✓ 6 months purchase price compensation
✓ vehicle and accessories up to 2.500 EUR
✓ garage commitment
✓ mallorca policy (better protection for rental car use abroad)
✓ sum insured 100 million. EUR lump sum for personal injury, property damage and property damage (in case of personal injury per injured person max. 15 mio. EUR)
✓ monthly right of cancellation
All-round protection
for families
Insured:
✓ all benefits from drive smart
✓ 24 months replacement value compensation
✓ 15 months purchase price compensation
✓ vehicle and accessory parts up to new value
✓ free choice of repair shop
✓ second car policy
✓ 50 % coverage of costs for lock replacement/recoding after loss of car keys
✓ monthly right of cancellation
Optimal coverage
for sustainably oriented customers
Insured:
✓ all benefits from drive easy
24 months purchase price compensation
✓ services for electric and hybrid cars
(z. B. For battery, private charging station and charging cable)
✓ car content protection up to 1.000 EUR
✓ monthly right of cancellation
Motor vehicle liability and comprehensive cover
Motor vehicle liability insurance
a motor vehicle liability insurance is a compulsory insurance. You cannot register your car without motor vehicle liability insurance. However, insurance is not just an annoying formality; it protects your assets and possibly even your livelihood if you cause an accident. In the event of a claim, the insurance covers the costs of justified claims by the other party and defends against unjustified claims.
Partial cover insurance
damage to your car that is not your own fault is insured under partial casco insurance. This includes, for example, theft, hail damage or marten bite damage.
comprehensive insurance
with fully comprehensive insurance, you are also covered for damage you have caused yourself. Damage caused by vandalism is also covered.
Our tip:
vehicles that are less than four years old should be protected with fully comprehensive insurance. But fully comprehensive insurance is also a sensible form of protection for older, more expensive vehicles. So you don’t have to sit on the costs in case of doubt.
Additional benefits (optional)
When taking out drive smart, drive easy and drive best online, you can put together your own individual insurance cover with freely selectable additional modules.
Protective cover
A cover letter offers organizational and financial assistance, for example in the event of breakdowns, accidents or theft of the vehicle, in germany and europe.
Foreign damage cover
you are involved in an accident with your vehicle in another european country through no fault of your own and the other party to the accident abroad is not insured at all or is insured for too low a statutory sum insured. hansemerkur places you in the same position as if the opposing vehicle were also insured with hansemerkur motor vehicle liability insurance.
Discount protection (for drive easy and drive best)
in the event of one claim per calendar year, your no-claims bonus is retained in the following year.
Driver protection
you are protected as the driver of the insured vehicle if an accident occurs in which you are injured. hansemerkur will compensate for personal injury caused by an accident – per injured person up to 15 mio. EUR – as for a motor vehicle liability claim, z. B. loss of earnings, costs for a home help, for handicap-accessible conversions or maintenance payments for surviving dependents.
Petplus: until 01.01.2021 include dog and cat in the vehicle free of charge!
If the insurance begins by 01.01.2021 your dog or cat is covered as a passenger in your vehicle for one year free of charge: if the animal is injured in an accident and requires surgery, hansemerkur will cover the costs.