motor vehicle liability insurance pays for damages you cause to other road users and protects you from unjustified claims for damages. Partial and fully comprehensive insurance pays for damage to your car.
- 24/7 immediate assistance in the event of a claim
- Excellent price/performance level
- High customer satisfaction in claims handling
- special classification for existing customers/for second cars
- Choice of tariff with or without workshop commitment
Highlights of the car insurance
motor vehicle liability insurance pays for damages you cause to other road users and protects you from unjustified claims for damages. Partial and fully comprehensive insurance pays for damage to your car.
- 24/7 immediate assistance in the event of a claim
- Excellent price/performance level
- High customer satisfaction in claims handling
- Special classification for existing customers/for second cars
- Choice of tariff with or without workshop commitment
- Individual expansion of insurance coverage through flexible selection of additional modules
- top protection for particularly comprehensive motor vehicle insurance coverage
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Workshop bonus – the extra service in car insurance
- VIP service: if you have secured the workshop bonus, the repair of your vehicle will be given priority over other repair orders. This means that they will have their vehicle back comparatively quickly.
- Pick-up and delivery service: enjoy this comfort and let us pick up your car and bring it back after the repair.
- Free replacement vehicle: while your car is being repaired, you will remain mobile at our expense.
- Repair according to manufacturer’s specifications and with original spare parts: the certified workshops work according to manufacturer’s specifications and use only original spare parts.
- Payment processing between SV and repair shop: you do not have to pay in advance.
- Extended warranty: instead of 2 years, you will receive a 6-year warranty on repairs
- premium discount: in addition to the numerous comfort benefits, you will also receive a 20% discount on your fully comprehensive insurance& partial cover premium.
- Vehicle cleaning: you get your vehicle back cleaned.
- Large repair shop network: in the event of a claim, you can access a number of selected TuV or DEKRA-certified (brand-name) garages.
The tariff variants of the motor vehicle insurance for new and used cars
Excellent service does not always have to be expensive. Your savings opportunities at a glance:
- Up to 10 % for owner-occupied property: if you are the owner of an owner-occupied property, you receive up to 10 % discount
- Up to 10 % customer loyalty discount
- 10 % discount on your motor vehicle liability if you use SV copilot
- Discounts for the use of a garage
- More favorable premiums for special occupational groups, such as z. B. Civil servants, academics, members and employees of a volunteer fire department or professional fire department
- For vehicles with environmentally friendly propulsion, z. B. electric drive, there is a 5 % special discount.
online services for car insurance
Do you already know our online services? Here you have the opportunity to submit your vehicle-related concerns online. 24h available and completely flexible.
- Report mileage
- Request confirmation of insurance (evb)
- Order claims service booklet
- Repair shop search
Flexible additional benefits to motor vehicle insurance
- Protects you if you are involved in an accident with your car abroad with a motor vehicle registered abroad and subject to compulsory insurance there.
- We will settle claims for damage to your own car that is not your fault as if the other party had SV motor liability insurance.
- With the additional driver insurance, you can include other persons in your SV motor vehicle insurance at short notice.
- If the specified driver causes a claim during the insured period, we will reimburse you for any additional premiums and penalties incurred.
- Europe-wide insurance cover
- Telephone service around the clock incl. Help in the search for a repair shop
- Assistance and reimbursement in the event of a breakdown or accident
In the event of an accident, you as the driver can benefit from the financial support of the SV driver protection scheme.
Prerequisite for financial support is a minimum 5-day inpatient stay in a hospital.
FAQ – the most frequently asked questions and answers about car insurance
Can vehicles with electric or hybrid drive also be insured??
Yes. fully and partially comprehensive insurance covers the vehicle’s battery against any damage, destruction or loss.
The best: you get 5 % discount with electric drive on your premium!
If you have taken out residential buildings insurance (top tariff) with SV, your electric charging station is also insured, provided it is not used commercially.
In addition, charging cables, mobile chargers, portable charging stations incl. Adapters insured under SV’s household contents insurance (top tariff) if they are temporarily outside the home or if they are stolen or damaged in the event of a break-in (except for trailers).
Yes. Fully and partially comprehensive insurance covers the vehicle’s battery against any damage, destruction or loss.
The best: you get 5 % discount with electric drive on your premium!
If you have taken out homeowners insurance (top tariff) with SV, your electric charging station is also insured, provided it is not used for commercial purposes.
In addition, charging cables, mobile chargers, portable charging stations are included. adapters are insured under SV’s household insurance (tariff option top) if they are temporarily outside the home or are stolen or damaged in the event of a break-in in the vehicle (except trailers).
When is topschutz suitable for me?
If you want the best of the best, topschutz is just right for you. It offers particularly comprehensive protection and extends or. Increases the benefits of fully comprehensive insurance.
Even if you drive an electric car, topschutz offers you interesting benefits that are not otherwise included in fully comprehensive insurance.
If you want the best of the best, the top protection is just right for you. It offers particularly comprehensive protection and extends or. Increases the benefits of fully comprehensive insurance.
Even if you drive an e-car, topschutz offers you interesting benefits that are not otherwise included in fully comprehensive insurance.
What is an electronic insurance certificate and where can I get one??
The electronic insurance confirmation is proof of the existence of a motor vehicle liability insurance policy, which is required for the registration of a vehicle. you can get this from your SV advisor or online.
the electronic insurance confirmation is a proof of the existence of a motor vehicle liability insurance, which is required for the registration of a vehicle. You can obtain this from your SV advisor or online.
What does provisional insurance cover mean?
The provisional insurance coverage in the motor vehicle liability insurance starts from the day the vehicle is registered using the insurance confirmation.
Preliminary insurance coverage for motor vehicle liability insurance begins on the day the vehicle is registered using the insurance certificate.
Where can I find the type code number?
In the registration certificate part 1 under number 2.2
In the registration certificate part 1 under item 2.2
Which no-claims class do i have to choose? How do I find out my no-claims class??
If you already had an insurance contract with another company, we will take over the claims history of the previous contract. The no-claims class can be found in your last premium invoice or in the insurance certificate. You can inquire about this with your previous insurance company.
If you already had an insurance contract with another company, we will take over the claims history of the previous contract. You can find the no-claims class in your last premium invoice or in the following table. You can find out this from your previous insurance company.
When will my no-claims bonus class change?
We downgrade every contract at the main due date (1). January or. The new insurer is appointed at the beginning of the first season) of each year according to its claims history in the previous calendar year. If the contract has been free of claims during a calendar year and the insurance coverage has been uninterrupted during this time, the contract will be classified in the next better SF class. If the contract is subject to claims during a calendar year, it will be downgraded according to the respective downgrading table.
We will downgrade each contract at the principal due date (1. January respectively. The passenger accident insurance is a sensible addition to every motor vehicle insurance policy. If the contract has been claim-free for a calendar year and the insurance coverage has been uninterrupted during this time, the contract will be classified in the next better SF class. If the policy is subject to claims during a calendar year, it will be downgraded according to the applicable downgrade table.
What is the discount protection? What happens to my discount protection if I change insurers??
If you agree on discount protection for your car insurance, one claim per year will not have a negative effect on your no-claims class for the current year. This means that you will remain in the no-claims class of the current year, despite an onerous claim in that year.
For each additional claim in the calendar year, a downgrade will be made according to the general conditions for motor vehicle insurance (AKB). This regulation only applies to your contract with SV Sparkassenversicherung. In the event of a change of insurer, we inform the subsequent insurer of the actual claims experience as it would have been without discount protection.
If you arrange discount protection in the motor vehicle insurance, one onerous claim per year will not have a negative effect on the no-claims class for the current year. This means that you will remain in the no-claims class of the current year despite a claim in that year.
For each additional claim in the calendar year, you will be downgraded in accordance with the general terms and conditions for motor vehicle insurance (AKB). This regulation is only valid for your contract with SV Sparkassenversicherung. In the event of a change of insurer, we will inform the subsequent insurer of the actual claims experience as it would have been without discount protection.
What to consider when changing insurers?
If you want to change to SV motor insurance, please make sure that you give notice to your previous insurer in good time and submit your new application in good time.
If you want to switch to SV motor insurance, please make sure that you give notice to your previous insurer in good time and submit your new application in good time.
How long is the notice period??
You can cancel the contract at the end of the insurance year. Cancellation is only effective if it is received at least one month before expiry.
You can cancel the contract at the end of the insurance year. Cancellation is only effective if it is received at least one month before expiry.
Do I need passenger accident insurance??
Passenger accident insurance is a useful addition to any vehicle insurance policy. It pays out if an accident occurs to you or another insured person which is connected with the use of your vehicle. With the motor vehicle accident insurance according to the lump-sum system, the respective authorized occupants of the vehicle are insured. If there are two or more entitled passengers, the sum insured is increased by 50% and divided by the total number of passengers, irrespective of whether they are injured. With motor vehicle accident insurance based on the seat system, the seats designated in the insurance policy or a certain number of authorized occupants of the vehicle are insured. Professional drivers and co-drivers employed by you are excluded if they use the vehicle as such. If there are more authorized passengers in the vehicle than the number of seats or persons specified in the insurance policy, the sum insured for the individual passenger is reduced accordingly.
Passenger accident insurance is a useful addition to any motor vehicle insurance policy. It pays out if you or another insured person has an accident related to the use of your vehicle. With the car accident insurance according to the flat-rate system, the respective authorized occupants of the vehicle are insured. If there are two or more entitled passengers, the sum insured is increased by 50% and divided by the total number of passengers, irrespective of whether they are injured. With motor vehicle accident insurance according to the seat system, the seats designated in the insurance policy or a certain number of authorized occupants of the vehicle are insured. Professional drivers and co-drivers employed by you are excluded if they use the vehicle as such. If there are more authorized passengers in the vehicle than the number of seats or persons specified in the insurance certificate, the sum insured for the individual passenger is reduced accordingly.