Secure yourself with an optimal comparison
attractive benefit extras with your car insurance policy
Motor vehicle liability insurance is basically like a first-class jacket: it always protects you when it is really needed. In addition, it is obligatory, because in germany the registration of a vehicle is bound to the proof of this insurance. But which damages does the vehicle liability insurance cover?? What amounts of coverage must be available and is it even worth comparing such compulsory insurance?? We answer your questions about motor liability insurance!
If you cause damage to another person, you have to pay for it under german law. So you have to pay for the damage.
It does not matter whether the damage is to property or to persons. However, both can involve claims for damages in the millions of euros. To protect you in this situation from a situation that could threaten your existence, there are liability insurances for different areas.
Not all, but some are compulsory insurance policies. This includes motor vehicle liability insurance, which you must take out for every motor vehicle that is used on the road.
Especially damages to persons, which are possible in road traffic, are quickly defined with several million euros.
In the event of personal injury, you must also pay for treatment costs, rehabilitation measures and loss of income. And you don’t really want to pay for that out of your own pocket, do you??
Instead, compare various rates to find the perfect insurance cover for you!
Proof of vehicle liability insurance when registering the vehicle
Before you can drive your new car, moped or motorcycle on the road, you must register the vehicle with the vehicle registration office.
Here, the authorities require proof that liability insurance has been taken out for the vehicle.
Only then will the registration be processed and you will receive the necessary documents for the license plate. This proof is provided with the evb number. the electronic insurance confirmation replaces the long existing insurance duplicate card or coverage card.
Compared to the coverage card, evb offers you the following advantages:
original template is not required
Prompt preparation possible
Facilitates spontaneous vehicle registrations
Number is sufficient for submission
Simplifies the approval process enormously
Valid immediately after creation
Where do I get the evb number for the proof of the liability insurance??
You have already found a suitable car liability insurance for your car? Great! Then you will get the evb-number directly from the insurer. You will be informed of this number either immediately after signing the contract or you can ask for it on the insurer’s service hotline. Alternatively, our advisors can help you on site or by phone.
the evb number is a seven-digit combination of numbers and letters. After entering the number, the registration office can automatically retrieve all the important data for registering the vehicle. your insurer will issue the number completely free of charge. If you have an evb number, you don’t have to go straight to the nearest registration office. It is valid for up to 18 months.
Basic insurance benefits of motor vehicle liability insurance: this is included in every case
To ensure that you can get into your car and drive off at any time without any worries, the vehicle liability insurance includes a number of basic benefits. These benefits have been established by law and must be present in your contract. This is a basic coverage in the case of
- personal injury
- Property damage
- And property damage.
In general, your motor liability insurance has two functions. On the one hand, it covers the claims mentioned above – regardless of whether you are a frequent driver or only rarely get behind the wheel.
But it also ensures that you do not have to pay for unjustified claims. So it’s a kind of safety line you can rely on.
But this safety line can break?
Fortunately, liability insurance covers a large number of cases. In two cases, it covers the damage and takes recourse against the policyholder: in the event of an accident, in the event of an accident, in the event of an accident, in the event of an accident, in the event of an accident PRECLAIM and in case of accidents caused by drunkenness or drugs have occurred.
Your safety line is therefore as safe as bungee jumping and has to be deliberately tampered with in order to no longer perform its service.
What are the basic benefits of motor vehicle liability insurance??
Regardless of the premium your insurer charges, the minimum requirements are the same for all plans. Accordingly, motor vehicle liability insurance covers immaterial damages such as pain and suffering. the different types of damage are taken into account in our car comparison calculator with the following coverage amounts:
With these amounts of coverage, you can sit back and relax. Of course these are high amounts. But in the event of a claim, you will be happy and grateful. Our experience of over 60 years confirms this.
Generally, your motor vehicle liability insurance only covers damage caused by the car specified in the contract. This means that if you have two cars or a car and a motorcycle, you need a separate policy for each vehicle.
Extension of the basic benefit: these additional insurance benefits are available
The basic cover of motor vehicle liability insurance is one thing, the extras another! As with a visit to a restaurant, you can opt for the standard menu when taking out this insurance, or you can choose a little extra treat here and there. Insurers offer the following optional extras, regardless of your annual mileage or how you use the vehicle:
Discount protection
If you have been driving accident-free for years, you have already earned one or the other no-claims bonus. So it’s all the more annoying if you lose it after an accident. This is what the discount protection of the motor vehicle liability insurance avoids. With the discount protection, you will not be downgraded after an accident, but your SF discount will remain the same.
motor insurance
It really can affect anyone! A breakdown or an accident is annoying, but it also requires help from a third party, such as a roadside assistance service. So that you are not confronted with further costs, there is the motor vehicle protection cover.
Rental vehicles abroad (mallorca policy)
If you frequently travel abroad with a rental car, it is best to choose the liability insurance with mallorca policy. It covers damages with the rental car in the same volume as in germany. Contracts that provide higher amounts of coverage are optimal. in norway as well as in cyprus, denmark and spain higher maximum amounts apply for personal injuries.
Tip: our car comparison calculator already includes protection for rental vehicles abroad. The coverage amount is as high as in your liability insurance policy.
Foreign damage cover
You like to travel and prefer to drive yourself, even on vacation? In this case, foreign damage protection is a recommendable extra. Your insurance takes over the complete claims settlement and pays for the damage caused by a third party – as if the person who caused the accident was insured in Germany.
So when comparing liability insurance policies, don’t just look at the contribution, but also benefits, offered to you.
Who is covered by motor vehicle liability insurance?
You need to look carefully when choosing a tariff and insurer. Of course, the policy of a motor vehicle liability insurance refers primarily to the vehicle. But the damage must be borne by the one who causes it. Therefore, in order to provide the highest possible coverage for different types of claims, most policies cover more than one person.
In the first place here is the authorized, registered driver to be named. The policyholder and vehicle owner can also benefit from the insurance coverage. In the case of a leased vehicle, the tariff also covers the owner. In the case of company cars, the cover also includes the employer.
who must take out motor vehicle liability insurance?
In general, it is always the owner who is obliged to take out the vehicle insurance. However, she or he does not necessarily have to be the driver. Being the driver or the owner. A good example of this is leased vehicles. In the case of company cars, the employer must always take out the policy.
When can you terminate the motor vehicle liability insurance policy?
Like other motor vehicle insurance policies, you can also cancel the liability policy on a regular basis. Generally, the policies have a term of twelve months. A notice period of one month applies.
This means that if you want to change insurers in order to benefit from a lower premium or to take advantage of additional benefits, you must give notice of termination in most cases by 30. November take out in one year. This date is considered the cut-off date for many policies, as they expire on 31 December. December expiration.
The cancellation must be in writing. However, caution is the better part of valor: you should not cancel your existing contract until you have found a more favorable rate or an offer with more benefits.
When is a special cancellation possible for motor vehicle liability insurance??
Regular cancellation is one thing, special cancellation is another. Under certain circumstances, it is possible to cancel a motor vehicle liability insurance policy out of turn, but as usual with one month’s notice. this is the case when the insurer increases your premium. You then have one month after notification of the premium increase to cancel the contract.
The special right of termination can also be exercised after a claim has been settled. This is also possible within one month.
Be careful when adjusting your policy: move your car and notify the insurer. Then it is possible that a higher premium will be due due to the new registration district. In this case, however, the conditions for a special cancellation do not exist. The same applies if, for example, you have met a new partner and would like to take him/her on as a driver or a passenger. Have the driver of your car noted in the contract.