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Car insurance in Germany (liability, partial and fully comprehensive) in Germany: every tariff, every wording
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| Provider and tariff | Gross negligence | Any animal | Short circuit follow | New car value | Garage tie-in | No-claims protection |
|---|---|---|---|---|---|---|
| ADACAutoversicherung BasisTake out | yes, up to the sum insuredA.2.2, page 15 | yes, up to the sum insuredA.2.1.2.4, page 10 | yes, up to the sum insuredProduktlinie Basis 3, page 38 | yesA.2.1.6.1 (2), page 12 | yesProduktlinie Basis 2.4, page 38 | not addressed |
| ADACAutoversicherung KomfortTake out | yes, up to the sum insuredA.2.2, page 15 | yes, up to the sum insuredA.2.1.2.4, page 10 | yes, up to the sum insuredProduktlinie Komfort 2, page 38 | yesProduktlinie Komfort 3, page 38 | yesZusatzbaustein Werkstattbonus 2, page 51 | yesZusatzbaustein Rabattschutz 1, page 50 |
| ADACAutoversicherung PremiumTake out | yes, up to the sum insuredA.2.2, page 15 | yes, up to the sum insuredA.2.1.2.4, page 10 | yes, up to the sum insuredProduktlinie Premium 2, page 38 | yesProduktlinie Premium 3, page 38 | yesZusatzbaustein Werkstattbonus 2, page 52 | yesZusatzbaustein Rabattschutz 1, page 51 |
| Allianz DirectDirectTake out | yes, up to the sum insuredTeil A.2 2, page 7 | yes, up to the sum insuredTeil A.2 2, page 6 | noTeil A.2 2, page 6 | not addressed | yesTeil A.2 6, page 8 | yesTeil A.6 2, page 19 |
| Allianz DirectDirect PlusTake out | yes, up to the sum insuredTeil A.2 2, page 7 | yes, up to the sum insuredTeil A.2 2, page 6 | noTeil A.2 2, page 6 | yesTeil A.7 2, page 21 | yesTeil A.2 6, page 8 | yesTeil A.6 2, page 19 |
| BGVBasisTake out | yes, up to the sum insuredA.2.9.2, page 29 | noBesondere Bedingungen Basis-Tarif 3, page 85 | noBesondere Bedingungen Basis-Tarif 5, page 85 | yesBesondere Bedingungen Basis-Tarif 7, page 85 | yesA.2.5.3.5 (2), page 27 | not addressed |
| BGVExklusivTake out | yes, up to the sum insuredA.2.9.2, page 29 | yes, up to the sum insuredA.2.2.1.4, page 19 | yes, up to EUR 10,000Besondere Bedingungen Exklusiv-Tarif 5, page 87 | yesBesondere Bedingungen Exklusiv-Tarif 6, page 87 | yesA.2.5.3.5 (2), page 27 | yesI.9.1, page 64 |
| BGVKlassikTake out | yes, up to the sum insuredA.2.9.2, page 29 | yes, up to the sum insuredA.2.2.1.4, page 19 | yes, up to EUR 5,000A.2.2.1.7, page 19 | yesA.2.5.1.2, page 24 | yesA.2.5.3.5 (2), page 27 | yesI.9.1, page 64 |
| ContinentaleFahrleistungstarif BasisTake out | yes, up to the sum insuredA.2.9.1, page 26 | noA.2.2.1.4, page 19 | noA.2.2.1.6, page 19 | yesA.2.5.1.2 a, page 21 | yesA.2.5.2.4 c, page 24 | yesI.5.2.1, page 49 |
| ContinentaleFahrleistungstarif KomfortTake out | yes, up to the sum insuredA.2.9.1, page 26 | yes, up to the sum insuredA.2.2.1.4, page 19 | yes, up to the sum insuredA.2.2.1.6, page 19 | yesA.2.5.1.2 a, page 21 | yesA.2.5.2.4 c, page 24 | yesI.5.2.1, page 49 |
| CosmosDirektBasis-SchutzTake out | yes, up to the sum insuredA.2.17.1 a, page 12 | yes, up to the sum insuredA.2.2.4, page 8 | yes, up to EUR 10,000A.2.2.6, page 8 | yesA.2.6.2 a, page 9 | yesA.2.8.3, page 10 | yesI.3.5.2, page 37 |
| CosmosDirektComfort-SchutzTake out | yes, up to the sum insuredA.2.17.1 a, page 12 | yes, up to the sum insuredA.2.2.4, page 8 | yes, up to EUR 10,000A.2.2.6, page 8 | yesA.2.6.2 a, page 9 | yesA.2.8.3, page 10 | yesI.3.5.2, page 37 |
| DA DirektKfz-VersicherungTake out | yes, up to the sum insuredA.2.15.1, page 14 | noA.2.2.4 (1), page 10 | yes, up to EUR 20,000A.2.2.6, page 10 | yesA.2.5.2 (1), page 11 | yesA.2.11.1 (3), page 14 | yesI.5.4, page 34 |
| DEVKAktivTake out | yes, up to the sum insuredA.3.16, page 24 | yes, up to the sum insuredA.3.2.4, page 16 | noA.3.2.7 Nr. 2, page 17 | not addressed | yesA.3.4.1, page 18 | not addressed |
| DEVKKomfort-SchutzTake out | yes, up to the sum insuredA.3.16, page 24 | yes, up to the sum insuredA.3.2.4, page 16 | yes, up to EUR 20,000A.3.2.7 Nr. 1, page 17 | yesA.3.7.3, page 21 | yesA.3.4.1, page 18 | not addressed |
| DEVKPremium-SchutzTake out | yes, up to the sum insuredA.3.16, page 24 | yes, up to the sum insuredA.3.2.4, page 16 | yes, up to the sum insuredA.3.2.7 Nr. 3, page 17 | yesA.3.7.3, page 21 | yesA.3.4.1, page 18 | not addressed |
| die BayerischeKomfortTake out | yes, up to the sum insuredA.2.9.1, page 28 | yes, up to the sum insuredA.2.2.1.4, page 16 | yes, up to EUR 3,000A.2.2.1.6, page 16 | yesA.2.5.1.2, page 21 | yesA.2.10, page 29 | yesI.5.3.1, page 75 |
| die BayerischePrestigeTake out | yes, up to the sum insuredA.2.9.1, page 28 | yes, up to the sum insuredA.2.2.1.4, page 16 | yes, up to EUR 20,000A.2.2.1.6, page 16 | yesA.2.5.1.2, page 21 | yesA.2.10, page 29 | yesI.5.3.1, page 75 |
| die BayerischeSmartTake out | yes, up to the sum insuredA.2.9.1, page 28 | noA.2.2.1.4, page 16 | noA.2.2.1.6, page 16 | not addressed | yesA.2.10, page 29 | yesI.5.3.1, page 75 |
| ERGOBasicTake out | yes, up to the sum insuredLeistungstabelle Teilkasko, page 1 | yes, up to the sum insuredLeistungstabelle Teilkasko, page 1 | yes, up to the sum insuredLeistungstabelle Teilkasko, page 1 | noLeistungstabelle Teilkasko, page 1 | yesLeistungstabelle Bausteine, page 2 | noLeistungstabelle Bausteine, page 2 |
| ERGOBestTake out | yes, up to the sum insuredLeistungstabelle Teilkasko, page 1 | yes, up to the sum insuredLeistungstabelle Teilkasko, page 1 | yes, up to the sum insuredLeistungstabelle Teilkasko, page 1 | yesLeistungstabelle Teilkasko, page 1 | noneLeistungstabelle Teilkasko, page 1 | yesLeistungstabelle Bausteine, page 2 |
| ERGOSmartTake out | yes, up to the sum insuredLeistungstabelle Teilkasko, page 1 | yes, up to the sum insuredLeistungstabelle Teilkasko, page 1 | yes, up to the sum insuredLeistungstabelle Teilkasko, page 1 | yesLeistungstabelle Teilkasko, page 1 | noneLeistungstabelle Teilkasko, page 1 | noLeistungstabelle Bausteine, page 2 |
| ERGOSmart und BestTake out | not yet checked | not yet checked | not yet checked | not yet checked | not yet checked | not yet checked |
| FahrlehrerversicherungBasisTake out | yes, up to the sum insuredA.2.11.1, page 22 | noA.2.2.1.4, page 11 | yes, up to EUR 1,000A.2.2.1.6, page 12 | yesA.2.6.1.2, page 16 | yesA.2.6.13.2, page 20 | noAnhang 7, page 75 |
| FahrlehrerversicherungKomfortTake out | yes, up to the sum insuredA.2.11.1, page 22 | yes, up to the sum insuredA.2.2.2.2, page 12 | yes, up to EUR 10,000A.2.2.2.4, page 12 | yesA.2.6.2.1, page 16 | yesA.2.6.13.2, page 20 | yesI.9.1.2, page 51 |
| HUK-COBURGBasisTake out | yes, up to the sum insuredA.2.9, page 18 | noA.2.2.4, page 13 | yes, up to the sum insuredA.2.2.7, page 13 | yesA.2.6.1, page 15 | yesA.2.6.3, page 15 | yesI.4, page 35 |
| HUK-COBURGClassicTake out | yes, up to the sum insuredA.2.9, page 18 | yes, up to the sum insuredA.2.2.4, page 13 | yes, up to the sum insuredA.2.2.7, page 13 | yesA.2.6.1, page 14 | yesA.2.6.3, page 15 | yesI.4, page 35 |
| HUK24BasisTake out | yes, up to the sum insuredA.2.9, page 17 | noA.2.2.4, page 12 | yes, up to the sum insuredA.2.2.7, page 12 | yesA.2.6.1, page 14 | yesA.2.6.3, page 14 | yesI.4, page 34 |
| HUK24ClassicTake out | yes, up to the sum insuredA.2.9, page 17 | yes, up to the sum insuredA.2.2.4, page 12 | yes, up to the sum insuredA.2.2.7, page 12 | yesA.2.6.1, page 13 | yesA.2.6.3, page 14 | yesI.4, page 34 |
| ItzehoerCOMFORT DRIVETake out | yes, up to the sum insuredA.2.5.6.2, page 13 | yes, up to the sum insuredA.2.2.1.4, page 10 | yes, up to EUR 25,000A.2.2.1.6, page 10 | yesA.2.5.1.2 b, page 11 | yesA.2.5.2.8 b, page 12 | yesIII a A.2.2, page 57 |
| ItzehoerTOP DRIVETake out | yes, up to the sum insuredA.2.5.6.2, page 13 | yes, up to the sum insuredA.2.2.1.4, page 10 | yes, up to the sum insuredIV B.1.3, page 59 | yesIV B.1.5, page 59 | yesA.2.5.2.8 b, page 12 | yesIV A.3, page 59 |
| JanitosAdvancedTake out | yes, up to the sum insuredA.2.16.1 b, page 9 | yes, up to the sum insuredA.2.2 Zusammenstoß mit Tieren aller Art, page 6 | yes, up to EUR 4,000A.2.2 Kurzschlussschäden, page 6 | yesA.2.6 Neupreisentschädigung, page 7 | yesA.2.18.7, page 10 | yesRabattschutz, page 19 |
| JanitosCompactTake out | yes, up to the sum insuredA.2.16.1 b, page 8 | yes, up to the sum insuredA.2.2.4, page 6 | yes, up to EUR 1,000A.2.2.7, page 6 | yesA.2.6.2, page 6 | yesA.2.18.7, page 9 | yesRabattschutz, page 14 |
| LVMAutoversicherungTake out | yes, up to the sum insuredA.2.8.1, page 25 | yes, up to the sum insuredA.2.2.1.4, page 12 | yes, up to EUR 10,000A.2.2.1.6, page 13 | yesA.2.5.1.2, page 14 | noneA.2.5.4, page 16 | yesI.3.6.1, page 40 |
| R+VPkw ClassicTake out | noA.2.6.7 b, page 28 | noA.2.2.4 b, page 20 | noA.2.2.6, page 20 | noA.2.6.1 b, page 22 | yesA.2.6.2 g, page 25 | yesI.5.2, page 78 |
| R+VPkw ComfortTake out | yes, up to the sum insuredA.2.6.7 b, page 28 | yes, up to the sum insuredA.2.2.4 a, page 20 | yes, up to EUR 500A.2.2.6, page 20 | yesA.2.6.1 b, page 22 | yesA.2.6.2 a, page 24 | yesI.5.2, page 78 |
| R+VPkw PremiumTake out | yes, up to the sum insuredA.2.6.7 b, page 28 | yes, up to the sum insuredA.2.2.4 a, page 20 | yes, up to EUR 3,000A.2.2.6, page 20 | yesA.2.6.1 b, page 22 | yesA.2.6.2 a, page 24 | yesI.5.2, page 78 |
| uniVersaFLEXXdriveTake out | yes, up to the sum insuredA.2.9.1, page 14 | yes, up to the sum insuredA.2.2.1.4, page 9 | yes, up to EUR 3,000A.2.2.1.6, page 10 | yesA.2.5.1.2, page 11 | yesA.2.5.3.6, page 12 | yesI.5.2.2, page 37 |
| WGVBasisTake out | yes, up to the sum insuredA.2.9.1, page 18 | noA.2.2.1.4 b, page 14 | yes, up to EUR 3,000A.2.2.1.6 b, page 14 | yesA.2.5.1.2 b, page 16 | yesA.2.5.2.4.5, page 17 | yesI.3.6.1, page 33 |
| WGVOptimalTake out | yes, up to the sum insuredA.2.9.1, page 18 | yes, up to the sum insuredA.2.2.1.4 a, page 14 | yes, up to the sum insuredA.2.2.1.6 a, page 14 | yesA.2.5.1.2 a, page 16 | yesA.2.5.2.4.5, page 17 | yesI.3.6.1, page 33 |
| WürttembergischeKompaktSchutzTake out | yes, up to the sum insuredA.2 Ziffer 3.2 (2), page 18 | yes, up to the sum insuredA.2 Ziffer 1.3 (4), page 11 | yes, up to EUR 5,000A.2 Ziffer 1.3 (5), page 11 | yesA.2 Ziffer 1.6.1 (2.1), page 14 | yesA.5.2 Abschnitt 2, page 32 | yesA.5.3 Ziffer 2.1, page 34 |
| WürttembergischePremiumSchutzTake out | yes, up to the sum insuredA.2 Ziffer 3.2 (2), page 18 | yes, up to the sum insuredA.2 Ziffer 1.3 (4), page 11 | yes, up to the sum insuredA.2 Ziffer 1.3 (5), page 11 | yesA.2 Ziffer 1.6.1 (2.1), page 14 | yesA.5.2 Abschnitt 2, page 32 | yesA.5.3 Ziffer 2.1, page 34 |
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 83 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.
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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
- Debeka
- Generali
- SV Sachsen
- WWK
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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.
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