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Every German policy wording: Driver injury cover

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Key points side by side

Open a tariff for all 65 points and the full text.

  • covered
  • limited or only with an add-on
  • no
  • not addressed
Provider and tariff Sum insured Damages based Social security offset Contributory negligence Pain and suffering Loss of earnings
ADAC Autoversicherung Komfort Driver injury coverTake out ADAC Autoversicherung Komfort Driver injury cover as stated in the policy schedule yes yes not addressed yes yes
ADAC Autoversicherung Premium Driver injury coverTake out ADAC Autoversicherung Premium Driver injury cover as stated in the policy schedule yes yes not addressed yes yes
Allianz Direct Direct Driver injury coverTake out Allianz Direct Direct Driver injury cover as stated in the policy schedule yes yes not addressed not addressed not addressed
Allianz Direct Direct Plus Driver injury coverTake out Allianz Direct Direct Plus Driver injury cover as stated in the policy schedule yes yes not addressed not addressed not addressed
Allianz Kfz-Versicherung Driver injury coverTake out Allianz Kfz-Versicherung Driver injury cover yes, up to EUR 15 million yes yes not addressed yes yes
Allianz Zusatzvereinbarung Driver injury coverTake out Allianz Zusatzvereinbarung Driver injury cover yes, up to EUR 15 million yes yes not addressed yes yes
ALTE LEIPZIGER classic Driver injury coverTake out ALTE LEIPZIGER classic Driver injury cover yes, up to EUR 1 million yes yes not addressed no yes, up to EUR 2,000
BGV Basis Driver injury coverTake out BGV Basis Driver injury cover yes, up to EUR 15 million yes yes not addressed yes, up to EUR 100,000 yes, up to EUR 4,000
BGV Exklusiv Driver injury coverTake out BGV Exklusiv Driver injury cover yes, up to EUR 15 million yes yes not addressed yes, up to EUR 100,000 yes, up to EUR 4,000
BGV Klassik Driver injury coverTake out BGV Klassik Driver injury cover yes, up to EUR 15 million yes yes not addressed yes, up to EUR 100,000 yes, up to EUR 4,000
Concordia Kfz-Versicherung Driver injury coverTake out Concordia Kfz-Versicherung Driver injury cover yes, up to EUR 15 million yes yes not addressed yes, up to EUR 200,000 yes, up to EUR 4,000
Concordia Classic Driver injury coverTake out Concordia Classic Driver injury cover yes, up to EUR 15 million yes yes not addressed yes, up to EUR 200,000 yes, up to EUR 4,000
Concordia Premium Driver injury coverTake out Concordia Premium Driver injury cover yes, up to EUR 15 million yes yes not addressed yes, up to EUR 200,000 yes, up to EUR 4,000
Continentale Fahrleistungstarif Basis Driver injury coverTake out Continentale Fahrleistungstarif Basis Driver injury cover as stated in the policy schedule yes yes not addressed yes yes
Continentale Fahrleistungstarif Komfort Driver injury coverTake out Continentale Fahrleistungstarif Komfort Driver injury cover as stated in the policy schedule yes yes not addressed yes yes
CosmosDirekt Basis-Schutz Driver injury coverTake out CosmosDirekt Basis-Schutz Driver injury cover as stated in the policy schedule yes yes not addressed yes yes
CosmosDirekt Comfort-Schutz Driver injury coverTake out CosmosDirekt Comfort-Schutz Driver injury cover as stated in the policy schedule yes yes not addressed yes yes
DA Direkt Kfz-Versicherung Driver injury coverTake out DA Direkt Kfz-Versicherung Driver injury cover as stated in the policy schedule yes yes not addressed yes, up to EUR 200,000 yes, up to EUR 10,000
DEVK Aktiv Driver injury coverTake out DEVK Aktiv Driver injury cover yes, up to EUR 12 million yes yes not addressed no yes
DEVK Komfort-Schutz Driver injury coverTake out DEVK Komfort-Schutz Driver injury cover yes, up to EUR 12 million yes yes not addressed no yes
DEVK Premium-Schutz Driver injury coverTake out DEVK Premium-Schutz Driver injury cover yes, up to EUR 12 million yes yes not addressed no yes
ERGO Basic Driver injury coverTake out ERGO Basic Driver injury cover as stated in the policy schedule not addressed not addressed not addressed not addressed not addressed
ERGO Best Driver injury coverTake out ERGO Best Driver injury cover as stated in the policy schedule not addressed not addressed not addressed not addressed not addressed
ERGO Smart Driver injury coverTake out ERGO Smart Driver injury cover as stated in the policy schedule not addressed not addressed not addressed not addressed not addressed
ERGO Smart und Best Driver injury coverTake out ERGO Smart und Best Driver injury cover as stated in the policy schedule not addressed not addressed not addressed not addressed not addressed
Fahrlehrerversicherung Basis Driver injury coverTake out Fahrlehrerversicherung Basis Driver injury cover as stated in the policy schedule yes yes not addressed no yes
Fahrlehrerversicherung Komfort Driver injury coverTake out Fahrlehrerversicherung Komfort Driver injury cover as stated in the policy schedule yes yes not addressed no yes
Feuersozietät Fahrer Airbag Kompakt Driver injury coverTake out Feuersozietät Fahrer Airbag Kompakt Driver injury cover as stated in the policy schedule no not addressed not addressed not addressed yes
Feuersozietät Fahrer Airbag Optimal Driver injury coverTake out Feuersozietät Fahrer Airbag Optimal Driver injury cover as stated in the policy schedule no not addressed not addressed not addressed yes
HUK-COBURG Basis Driver injury coverTake out HUK-COBURG Basis Driver injury cover as stated in the policy schedule yes yes not addressed yes yes
HUK-COBURG Classic Driver injury coverTake out HUK-COBURG Classic Driver injury cover as stated in the policy schedule yes yes not addressed yes yes
HUK24 Basis Driver injury coverTake out HUK24 Basis Driver injury cover as stated in the policy schedule yes yes not addressed yes yes
HUK24 Classic Driver injury coverTake out HUK24 Classic Driver injury cover as stated in the policy schedule yes yes not addressed yes yes
Itzehoer COMFORT DRIVE Driver injury coverTake out Itzehoer COMFORT DRIVE Driver injury cover as stated in the policy schedule yes yes not addressed yes yes
Itzehoer TOP DRIVE Driver injury coverTake out Itzehoer TOP DRIVE Driver injury cover as stated in the policy schedule yes yes not addressed yes yes
Janitos Advanced Driver injury coverTake out Janitos Advanced Driver injury cover yes, up to EUR 15 million yes yes not addressed not addressed yes
Janitos Compact Driver injury coverTake out Janitos Compact Driver injury cover yes, up to EUR 15 million yes yes not addressed not addressed yes
LVM Autoversicherung Driver injury coverTake out LVM Autoversicherung Driver injury cover as stated in the policy schedule yes yes not addressed no yes
Mannheimer Kfz-Versicherung Driver injury coverTake out Mannheimer Kfz-Versicherung Driver injury cover as stated in the policy schedule yes yes not addressed yes yes
Neodigital NEO M Driver injury coverTake out Neodigital NEO M Driver injury cover as stated in the policy schedule yes yes not addressed yes yes
Provinzial Nord Driver injury coverTake out Provinzial Nord Driver injury cover yes, up to EUR 15 million yes yes not addressed no yes
R+V Pkw Classic Driver injury coverTake out R+V Pkw Classic Driver injury cover yes, up to EUR 20 million yes yes none yes yes
R+V Pkw Comfort Driver injury coverTake out R+V Pkw Comfort Driver injury cover yes, up to EUR 20 million yes yes none yes yes
R+V Pkw Premium Driver injury coverTake out R+V Pkw Premium Driver injury cover yes, up to EUR 20 million yes yes none yes yes
uniVersa FLEXXdrive Driver injury coverTake out uniVersa FLEXXdrive Driver injury cover as stated in the policy schedule yes yes not addressed yes yes
Versicherungskammer Bayern Fahrer Airbag Kompakt Driver injury coverTake out Versicherungskammer Bayern Fahrer Airbag Kompakt Driver injury cover as stated in the policy schedule no not addressed not addressed not addressed not addressed
Versicherungskammer Bayern Fahrer Airbag Optimal Driver injury coverTake out Versicherungskammer Bayern Fahrer Airbag Optimal Driver injury cover as stated in the policy schedule no not addressed not addressed not addressed not addressed
VGH Basis Driver injury coverTake out VGH Basis Driver injury cover yes, up to EUR 15 million yes yes not addressed no yes
VGH Komfort Driver injury coverTake out VGH Komfort Driver injury cover yes, up to EUR 15 million yes yes not addressed no yes
VGH Premium Driver injury coverTake out VGH Premium Driver injury cover yes, up to EUR 15 million yes yes not addressed no yes
VHV Autoversicherung Driver injury coverTake out VHV Autoversicherung Driver injury cover as stated in the policy schedule yes yes not addressed yes yes
VOLKSWOHL BUND Best Driver injury coverTake out VOLKSWOHL BUND Best Driver injury cover yes, up to EUR 15 million yes yes not addressed not addressed yes
VOLKSWOHL BUND Comfort Driver injury coverTake out VOLKSWOHL BUND Comfort Driver injury cover yes, up to EUR 15 million yes yes not addressed not addressed yes
VOLKSWOHL BUND Easy Driver injury coverTake out VOLKSWOHL BUND Easy Driver injury cover yes, up to EUR 15 million yes yes not addressed not addressed yes
WGV Basis Driver injury coverTake out WGV Basis Driver injury cover yes, up to EUR 15 million yes yes not addressed yes yes
WGV Optimal Driver injury coverTake out WGV Optimal Driver injury cover yes, up to EUR 15 million yes yes not addressed yes yes
Württembergische Police Driver injury coverTake out Württembergische Police Driver injury cover as stated in the policy schedule yes yes not addressed yes yes
Württembergische KompaktSchutz Driver injury coverTake out Württembergische KompaktSchutz Driver injury cover as stated in the policy schedule yes yes not addressed yes yes
Württembergische PremiumSchutz Driver injury coverTake out Württembergische PremiumSchutz Driver injury cover as stated in the policy schedule yes yes not addressed yes yes
Zurich Premium Driver injury coverTake out Zurich Premium Driver injury cover as stated in the policy schedule yes yes not addressed yes, up to EUR 200,000 yes, up to EUR 10,000
Zurich Top Driver injury coverTake out Zurich Top Driver injury cover as stated in the policy schedule yes yes not addressed yes, up to EUR 200,000 yes, up to EUR 10,000

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 65 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.

  • AXA
  • die Bayerische
  • SV SparkassenVersicherung

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.

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