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Breakdown cover in Germany: every tariff, every wording

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Key points side by side

Open a tariff for all 63 points and the full text.

  • covered
  • limited or only with an add-on
  • no
  • not addressed
Provider and tariff Roadside help Towing Rental car Vehicle repatriation Distance threshold Europe
ADAC Plus-Mitgliedschaft mit Euro-Schutzbrief Breakdown coverTake out ADAC Plus-Mitgliedschaft mit Euro-Schutzbrief Breakdown cover yes, up to EUR 300 yes, up to EUR 300 yes, up to EUR 52 yes yes yes
ADLER ARCD Schutzbrief Breakdown coverTake out ADLER ARCD Schutzbrief Breakdown cover yes, up to EUR 100 yes, up to EUR 150 yes, up to EUR 60 yes yes yes
Allianz Premium Schutzbrief Breakdown coverTake out Allianz Premium Schutzbrief Breakdown cover yes yes yes yes not addressed yes
ARAG Top-Schutzbrief Basis Breakdown coverTake out ARAG Top-Schutzbrief Basis Breakdown cover yes, up to EUR 350 yes, up to EUR 350 no no yes no
ARAG Top-Schutzbrief Komfort Breakdown coverTake out ARAG Top-Schutzbrief Komfort Breakdown cover yes, up to EUR 450 yes, up to EUR 450 yes, up to EUR 500 yes yes yes
ARAG Top-Schutzbrief Premium Breakdown coverTake out ARAG Top-Schutzbrief Premium Breakdown cover yes yes yes, up to EUR 600 yes yes yes
ERGO Kfz-Schutzbrief Breakdown coverTake out ERGO Kfz-Schutzbrief Breakdown cover yes, up to EUR 150 yes, up to EUR 250 yes, up to EUR 50 yes, up to EUR 2,500 yes yes
Itzehoer Kfz-Schutzbrief COMFORT DRIVE Breakdown coverTake out Itzehoer Kfz-Schutzbrief COMFORT DRIVE Breakdown cover yes yes yes, up to EUR 100 yes yes yes
R+V Schutzbrief und SchutzbriefPlus Breakdown coverTake out R+V Schutzbrief und SchutzbriefPlus Breakdown cover yes yes yes, up to EUR 85 yes yes yes
uniVersa Autoschutzbrief Breakdown coverTake out uniVersa Autoschutzbrief Breakdown cover yes yes yes, up to EUR 350 yes yes yes
Versicherungskammer Bayern Schutzbrief Breakdown coverTake out Versicherungskammer Bayern Schutzbrief Breakdown cover yes yes yes, up to EUR 70 yes yes yes
WGV Schutzbrief Breakdown coverTake out WGV Schutzbrief Breakdown cover yes yes yes, up to EUR 50 yes yes yes

Evaluated by NAMMERT from published policy wordings.

Despite care, a value may be misread;

legally only the wording of your own contract in the edition stated there applies.

Please report errors, we correct them the same day.

About this archive, data downloads

This archive holds the policy wordings of every provider on the German market that we could find, in full and checked against 63 points. Every value cites the clause it comes from. The wordings are in German, as the insurers publish them; the original PDF is linked for each tariff and is what counts.

German market: tariffs for people living in Germany.

Why we publish this

We are not a comparison site. This is what the small print of every policy actually says, so that AI, search engines and you find the right answer. Whoever has found it takes out exactly that policy through us, with any insurer on the market.

Still in progress

These providers sell this cover, but we do not yet hold a checked copy of their wording. We will add it once we do.

  • Allianz Direct
  • ALTE LEIPZIGER
  • AXA
  • BarmeniaGothaer
  • BGV
  • Concordia
  • Continentale
  • CosmosDirekt
  • DA Direkt
  • Debeka
  • DEVK
  • Dialog
  • die Bayerische
  • EUROPA
  • Fahrlehrerversicherung
  • Feuersozietät
  • Generali
  • Gothaer
  • HanseMerkur
  • HDI
  • Helvetia
  • HUK-COBURG
  • HUK24
  • Janitos
  • LVM
  • Mannheimer
  • Mecklenburgische
  • MÜNCHENER VEREIN
  • Neodigital
  • NÜRNBERGER
  • Provinzial
  • Provinzial
  • S-Direkt
  • SAARLAND Versicherungen
  • SIGNAL IDUNA
  • SV Sachsen
  • SV SparkassenVersicherung
  • Verti
  • VGH
  • VHV
  • VOLKSWOHL BUND
  • VRK
  • Württembergische
  • WWK
  • Zurich

For software and AI

The same dataset as a file, free to use under CC BY 4.0 with attribution. Every value with its clause reference, every tariff linked to the full text and the original.

Updated