Good motor vehicle protection so far

Departed, like many advantages of new technology in rheinland motor insurance brings. Because time and again there are innovations that improve our insurance coverage and service even better make.

You will receive a free valuation of your vehicle as soon as you take out the policy. And in the event of a breakdown, you no longer have to go to the trouble of explaining where you broke down. with our cover letters, your location is transmitted directly via gps. Even if your car is in the repair shop after being damaged, stay up to date. you can track the current status of the repair online.

These are just a few small features, learn more in the video.

Practical services with added value

Free valuation

The value of your vehicle is determined when you take out the policy.

You will receive information on

  • Standard and optional equipment
  • List new price
  • Dealer purchase price

Simple and straightforward by e-mail.

online roadside assistance

Practical extras from our cover letters in the event of a breakdown:

  • Transmission of the breakdown location via GPS
  • Information in real time
  • Uncomplicated data collection
  • Live tracking shows where your roadside assistance is located

Quick settlement

Done in just four hours:

Report minor damage such as sheet metal damage via smartphone.

you will receive your payout offer on your smartphone within 4 hours (within business hours). Then you have the choice: pay out or have it repaired.

top performance at an affordable price

rheinland motor vehicle insurance is worthwhile.

Good motor vehicle protection so far

Very practical, for example for a vacation trip: take short term additional drivers added. For up to 30 days in a calendar year you can extend the driver’s circle without additional contribution.

And if you lose your navigation device or. If your radio is stolen, you can get premium comprehensive insurance with the replacement value of the navigation system replaces. This also applies if there are no traces of break-in, z.B. In case of bypassing a keyless-go system. For theft without signs of break-in is insured with us.

By the way, to keep your insurance coverage up to date, you can update warranty. If improved benefits are offered at no extra premium, they apply to you.

safety is rewarded: vehicles with driver assistance systems receive up to 15% discount on your premium. This may include parking and maneuvering, emergency braking or lane change assistance systems. Investing in vehicle safety pays off twice over. You are safer and cheaper on the road.

This is how affordable rheinland car insurance is

Some examples of motor vehicle liability insurance with fully comprehensive cover

Good motor vehicle protection so far

Good motor vehicle protection so far

Good motor vehicle protection so far

Good motor vehicle protection so far

"What’s what" the vehicle insurance

motor vehicle liability
is included

motor vehicle liability and partial casco
are included

For damage to others
(persons, property, assets)

For damage to your own vehicle
due to theft, hail, storm, flood, lightning, fire, explosion and short circuit

For self-inflicted accidents and vandalism

motor vehicle liability insurance

motor vehicle liability insurance is required by law. And that makes sense, because an accident on the road can have devastating consequences. In the case of serious accidents, considerable damage amounts are quickly reached. You don’t even have to be injured.

Motor vehicle liability insurance pays for damage you cause to others with your vehicle. In addition, unfounded claims against you are averted.

Insured as standard:

  • 100 mio. Euro sum insured lump sum (15 mio. Euro per injured person)
  • Motor vehicle environmental damage insurance for claims under the environmental damage act (z.B. Due to fuel leakage)
  • Majorca coverage for damage with a rental vehicle (car, motorcycle, camper van): the high insured sums of your rheinland motor vehicle insurance apply in other european countries.
  • Damage to own property for damage caused by your car to your own property (plus and premium)

The following options are available for both liability and comprehensive insurance standard coverage as basic cover, the more comprehensive plus coverage and our best premium coverage with many co-insured extras. (if the table is not displayed correctly, please have a look at the PDF.)

motor liability

car, motorcycle, camping vehicle car, motorcycle, camping vehicle

car, motorcycle, camping vehicle

Partial cover

Damage due to theft, robbery, fire, explosion, short circuit and glass breakage

storm, hail, lightning, flooding

Additionally natural disasters like avalanches (incl. roof avalanches), mudslides, volcanic eruption and earthquake

compensation for new value in the event of total loss or damage

12 months
after initial registration

24 months
after initial registration

30 months
after initial registration

Up to 5.000 euro

Up to 100.000 euro

Collision with animals

Additionally
consequential damage
up to 5.000 euro

Additionally
consequential damage
unlimited amount

disposal after total loss

reimbursement of registration and transfer costs after total loss

General average
(transport on ferry/ship)

No deduction new for old
exception: batteries of electric and hybrid vehicles

Theft of vehicle keys

Compensation for a reduction in value in the event of repair

Brake and operating materials for repairs

Glass breakage repair without deductible

glass breakage: cleaning of the vehicle interior

Glass breakage: replacement of vignettes/badges

Short circuit on wiring

+ additional consequential damages
(max. 3.000 euro)

Additional consequential damages
unlimited amount

Co-insurance of embezzlement

Rental car in case of total loss or theft

Up to 80 euro/day, max. 7 days

Comprehensive insurance

Self-inflicted accidents

parking damage insurance
(max. vehicle age 60 months)

Up to 250 euro
(minus. 50 euro SB)

Up to 550 euro
(less. 50 euro SB)

Damage to the towing vehicle caused by a trailer

  • Vehicle owner
  • vehicle owner
  • driver of the vehicle
  • The technical supervision for vehicles with autonomous driving function
  • Under certain conditions, co-drivers and employers are also insured

Motor vehicle liability covers personal injury, property damage and financial loss that you cause to others with your vehicle.
Trailers, semi-trailers and towed vehicles are also insured.

The insurance cover is valid within the geographical borders of europe and in the non-European territories that belong to the scope of the european union (z.B. Canary Islands).

Justified claims for damages are settled, unfounded claims are averted.

comprehensive insurance

in the partial comprehensive insurance your vehicle is insured against theft, hail, storm, flood, lightning, wildlife accident, glass breakage, fire and explosion. With fully comprehensive insurance, damage caused by vandalism and self-inflicted accidents are also covered.

Your highlights in the partial cover premium:

  • Compensation for new value up to 30 months after first registration in case of total loss or loss of the vehicle
  • Damage caused by all animals: animal bite incl. Consequential damage and collision (not limited to hairy game or certain animals)
  • Car radio and navi are compensated at replacement value.
  • Glass breakage repair without deductible incl. vehicle interior cleaning and replacement of vignettes/badges
  • Theft of vehicle keys: your keys are lost due to robbery or burglary? we will reimburse you for the recoding of the vehicle keys or the precautionary replacement of the door and ignition locks.
  • special equipment and natural disasters included

Good motor vehicle protection so far

workshop service

Your plus with hull insurance

get more and pay less: rheinland kasko with workshop service makes it possible. You report your own damage and your vehicle is repaired at one of our certified partner workshops (DEKRA, TuV).

  • Free of charge replacement vehicle for the duration of the repair
  • Free of charge pick-up and delivery service
  • free interior and exterior cleaning before return
  • Extended workshop warranty
  • Professional repair with original parts the manufacturer
  • Fast and preferential scheduling

You receive this service for all comprehensive insurance claims, except for pure glass damage. This is how you benefit from the first-class work of our partner workshops. And the best part: if you choose the garage service in addition to your comprehensive insurance, in most cases your premium will even decrease.

modules for your car insurance

With the selectable modules, you can supplement your protection individually according to your personal needs.

Top performance for only 9.98 euros per year

In the event of a breakdown or accident, the car insurance policy will relieve you of many problems and costs.

Your benefits in the event of a breakdown or accident:

  • One call is enough. We organize for you breakdown service and cover the costs of on-site repairs up to 500 euro (incl. small parts) so that you can continue driving.
  • Is a repair on site not possible, we organize it towing of the vehicle and bear the costs up to 500 euro.
  • Salvage: organization and coverage of costs,
  • misfuelling: fuel removal and vehicle damage due to operation with the wrong fuel up to 2.000 euro.

Additional benefits in case of breakdown or accident at a distance of 50 km from your home:

  • overnight stay (2 nights up to 80 euro/person and night)
  • rental car costs, pick-up and storage costs for up to 2 weeks
  • Diagnostic costs up to 250 euro, transport costs in case of illness, rooming-in
  • Scope: europe and EU area

Good motor vehicle protection so far

Good motor vehicle protection so far

The module for electric cars

With the "electromobility" module, you will enjoy your e-car for a long time to come. It reimburses the costs of many typical damages to the vehicle and accessories.

The costs of these damages will be reimbursed:

  • short circuit on the wiring with consequential damages up to 10.000 euros,
  • Damage to or theft of the charging cable,
  • Damage from charging card, mobile charging unit or charging station/wallbox,
  • Defective battery: if your dog is less than 2 years old, you will receive the new value, after that for each year 10% of the new value less.
  • Disposal costs of the battery up to 2.000 euro,
  • Overvoltage damage.

Select the "electromobility" module in addition to your fully comprehensive insurance.

Good motor vehicle protection so far

Optimal coverage abroad

You are involved in an accident with a foreign vehicle abroad through no fault of your own. rheinland will then take over and settle your claim as if the other party to your accident had rheinland motor vehicle liability insurance.

Valid in the european union as well as in norway, switzerland, liechtenstein, iceland, andorra, monaco, san marino and vatican city.

Good motor vehicle protection so far

More safety for the driver

In the event of a self-inflicted accident or if the other party to the accident cannot be identified, the driver will not receive benefits for his own injuries. As a driver, you should therefore protect yourself with rheinland driver protection.

Your advantages

  • Up to 15 million. Euro sum insured per claim
  • Compensation for pain and suffering
  • Loss of earnings
  • Maintenance claims
  • Household assistance
  • Conversion for the disabled

With leasing or credit financing

In the case of a leased or credit-financed car, van, camper or motorcycle, total loss or damage can be expensive: the insurance pays the replacement value. The residual claim from the prematurely terminated financing contract is usually significantly higher.

With rheinland GAP coverage, you close this gap and receive up to 10.000 euro of the replacement value.

the car accident insurance for dogs

Dog owners should now prick up their ears, because what many people don’t know is that the dog is not insured in the event of an accident. As a rule, only the vehicle, driver and passengers are covered in the event of a car accident.

therefore, insure your dog with "dog on board" from. If he is then injured in an accident in your vehicle,
you will receive .

  • Operation and treatment costs up to 5.000 euro, also for physical therapies (z.B. heat, massage) and homeopathic treatments by a veterinarian
  • Animal boarding costs reimbursed up to 50 euros per day for a maximum of 7 days.

If you have several dogs?
you pay only once! The maximum benefits then apply to the costs of all dogs together.

No dog is excluded!
All breeds of dogs are insurable.

Good motor vehicle protection so far

Good motor vehicle protection so far

Good motor vehicle protection so far

Damage, total loss! What now?

Your advantages

  • Additional money in case of total loss or total theft
  • every car is insurable – no matter which manufacturer, how expensive or how old

Your benefits

In case of total loss or theft of your vehicle, you will receive .

  • In the first two years the full difference between purchase price and replacement value,
  • from the third year 30% of the replacement value.

Insured losses and events

  • Fire
  • Explosion
  • Total withdrawal
  • Storm, hail or lightning
  • Flood
  • Collision with animals
  • Accident (own or third party fault)

So that it does not become more expensive with the damage

A liability or fully comprehensive claim has a negative effect on your no-claims class. This increases the premium. Unless you have the discount cover.

With discount protection, it stays affordable

Your contract remains in the previous no-claims class in the following calendar year. The discount protection prevents you from being downgraded to a less favorable no-claims class and thus from a higher vehicle premium in the following year.

Ready to go: car insurance for novice drivers

Driving experience with the car of parents or grandparents. Grandparents

Startklar is the first car insurance for all drivers over the age of 18 (accompanied driving from 17), who do not own a car, but have the parents’ car or. Grandparents benefit. How driving experience and freedom from damage pay off. Because if you insure your car with rheinland later, you pay with "ready to go significantly lower premiums. Even carsharing with mom is worth it.

This is how it works

You take out rheinland startklar, which gives you a license to drive your parents’ and grandparents’ cars insured with us.

  • For every year that you have driven without a claim, you will earn a entitlement to a so-called no-claims bonus class (SF class).
  • Ready to go ends when their first own vehicle is insured with us. The grandparents We take into account the SF class acquired. The higher it is, the less they pay.
  • With startklar, parents resp. grandparents do not adjust the driver category of their motor vehicle insurance policy. This means: no higher insurance costs for the contract.

Good motor vehicle protection so far

  • Young drivers aged 17 and over who drive their parents’ or grandparents’ car(s) as part of the accompanied driving program. Shared use by grandparents.
  • Young drivers over the age of 18 who use their parents’ car(s). share grandparents.
  • Flexible use of the parents’ or parents’ cars insured with us. Grandparents
  • Discount protection for the car contracts of the parents resp. grandparents
  • Acquisition of your own no-claims bonus

If you have a claim, please call the claims hotline on 02131 290-2501. The claim notification is made to the contract of the affected car of the parents resp. Grandparents.

If the young driver causes a claim, his no-claims bonus is only reduced by one class. The premium rate of the parent contract remains unchanged.

benefit for parents

You save money! as a parent, you enjoy discount protection for your own motor insurance policy in the event that your child does cause an accident. For you, this means: no additional insurance costs for your own motor vehicle contract.

Note: in order to be able to use Startklar, the parents’ cars must also be insured with rheinland versicherungen.

Good motor vehicle protection so far

Take the green wave

rheinland promotes environmentally friendly driving.

If you offset the CO2 emissions of your car for one year, rheinland will plant a tree.

You can offset the CO2 emissions directly when you take out the policy. your rheinland expert tells you how much the compensation costs for one year. then make the corresponding payment to the independent climate protection organization "atmosfair. Already it is done.
in return, rheinland plants a tree in a selected reforestation project in neuss, Germany.

Of course, this promotion does not only apply to new customers. If you already have rheinland motor insurance for your car, you can also take part in. You can find all information on the campaign and participation in this PDF:

Extra for the environment: environmental damage insurance is automatically insured with rheinland. If your vehicle breaks down, has an accident or malfunctions, you incur environmental damage in accordance with the German Environmental Damage Act (uschadg)? Then rheinland steps in for the public-law claims for remediation that are made on them.

Sustainable driving: always a win for our environment.

Good motor vehicle protection so far

Price calculation details

1. Vehicle: VW E-golf VII, HSN/TSN 0603/BMS, first registration: 20.10.2021, age of policyholder: 39 years, place of residence: empty, mileage:<6.000 km per year, tariff: standard with workshop service, assistance systems: brake assistant, SF motor vehicle liability: SF 20, SF fully comprehensive: SF 20, driver group: only VN, price calculation from 05.10.2021.

2.Vehicle: audi A1 sportback 25 TFSI, HSN/TSN 0558/BNN, first registration: 20.01.2021, age of policyholder: 39 years, place of residence: empty, mileage:<6.000 km per year, tariff: standard with workshop service, assistance systems: brake assistant, SF motor vehicle liability: SF 20, SF fully comprehensive: SF 20, driver category: only VN, price calculation from 05.10.2021.

3. Vehicle: skoda octavia combi RS 2.0 TSI, HSN/TSN 8004/ASK, first registration: 20.01.2021, age of policyholder: 39 years, place of residence: empty, mileage:<6.000 km per year, tariff: standard with workshop service, assistance systems: parking assistance, lane change and brake assistant, SF motor vehicle liability: SF 20, SF fully comprehensive: SF 20, driver group: only VN, price calculation from 05.10.2021.

4. Vehicle: VW T-cross 1.0 TSI, HSN/TSN 0603/CJF, first registration: 20.10.2021, age policyholder: 39 years, residence: empty, mileage:<6.000 km per year, tariff: standard with workshop service, assistance systems: parking assistance, lane change and brake assistant, SF motor vehicle liability: SF 22, SF fully comprehensive: SF 22, driver group: only VN, price calculation from 05.10.2021.

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Christina Cherry
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