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Motorcycle insurance in Germany (liability, partial and fully comprehensive) in Germany: every tariff, every wording

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Key points side by side

Open a tariff for all 66 points and the full text.

  • covered
  • limited or only with an add-on
  • no
  • not addressed
Provider and tariff Riding gear Falling over GAP cover Gross negligence Seasonal plate Rider protection
ADAC Basis Motorcycle insuranceTake out not addressed not addressed not addressed yes yes not addressed
ADAC Komfort Motorcycle insuranceTake out yes not addressed yes yes yes not addressed
ADAC Premium Motorcycle insuranceTake out not addressed not addressed yes yes yes not addressed
Allianz Direct Motorradversicherung (allgemeine Kfz-Bedingungen) Motorcycle insuranceTake out not addressed not addressed not addressed yes yes yes
Allianz Direct Direct Plus Motorcycle insuranceTake out yes, up to EUR 2,500 not addressed yes yes yes yes
ALTE LEIPZIGER Motorradversicherung (allgemeine Kfz-Bedingungen) Motorcycle insuranceTake out yes not addressed yes yes yes no
BGV Motorradversicherung (allgemeine Kfz-Bedingungen) Motorcycle insuranceTake out not addressed not addressed no yes yes no
Concordia Motorradversicherung (allgemeine Kfz-Bedingungen) Motorcycle insuranceTake out yes, up to EUR 2,000 not addressed no yes yes not addressed
Continentale Motorradversicherung (allgemeine Kfz-Bedingungen) Motorcycle insuranceTake out yes, up to EUR 2,000 not addressed not addressed yes yes no
CosmosDirekt Motorradversicherung (allgemeine Kfz-Bedingungen) Motorcycle insuranceTake out yes not addressed yes yes yes no
DA Direkt Motorradversicherung (allgemeine Kfz-Bedingungen) Motorcycle insuranceTake out yes not addressed yes yes yes no
DEVK Aktiv Motorcycle insuranceTake out no not addressed no yes yes yes
DEVK Komfort Motorcycle insuranceTake out yes, up to EUR 1,500, excess EUR 150 not addressed yes yes yes yes
DEVK Premium Motorcycle insuranceTake out yes, up to EUR 2,500, excess EUR 150 not addressed yes yes yes yes
ERGO Motorradversicherung (allgemeine Kfz-Bedingungen) Motorcycle insuranceTake out not yet checked not yet checked not yet checked not yet checked not yet checked not yet checked
ERGO Best Motorcycle insuranceTake out yes, up to EUR 3,000 not addressed yes yes not addressed no
ERGO Smart Motorcycle insuranceTake out yes, up to EUR 3,000 not addressed yes yes not addressed no
Fahrlehrerversicherung Motorradversicherung (allgemeine Kfz-Bedingungen) Motorcycle insuranceTake out yes not addressed not addressed yes yes no
Feuersozietät Motorradversicherung (allgemeine Kfz-Bedingungen) Motorcycle insuranceTake out not addressed not addressed no yes yes not addressed
HUK-COBURG Basis Motorcycle insuranceTake out yes not addressed no yes yes yes
HUK-COBURG Classic Motorcycle insuranceTake out yes not addressed yes yes yes yes
HUK24 Basis Motorcycle insuranceTake out yes not addressed no yes yes yes
HUK24 Classic Motorcycle insuranceTake out yes not addressed yes yes yes yes
Itzehoer COMFORT DRIVE Motorcycle insuranceTake out yes, up to EUR 1,000 not addressed no yes yes yes
Janitos Advanced Motorcycle insuranceTake out yes not addressed no yes yes no
Janitos Compact Motorcycle insuranceTake out yes not addressed no yes yes no
LVM Motorradversicherung (allgemeine Kfz-Bedingungen) Motorcycle insuranceTake out yes, up to EUR 1,500 not addressed yes yes yes yes
Mannheimer Motorradversicherung (allgemeine Kfz-Bedingungen) Motorcycle insuranceTake out no not addressed yes yes yes yes
Mecklenburgische Motorradversicherung (allgemeine Kfz-Bedingungen) Motorcycle insuranceTake out yes, up to EUR 4,000 not addressed yes yes yes no
Neodigital Neo M Motorcycle insuranceTake out yes not addressed no yes yes yes
Provinzial Motorradversicherung (allgemeine Kfz-Bedingungen) Motorcycle insuranceTake out no not addressed yes yes yes no
SV SparkassenVersicherung Motorradversicherung (allgemeine Kfz-Bedingungen) Motorcycle insuranceTake out not addressed not addressed yes yes yes not addressed
uniVersa Motorradversicherung (allgemeine Kfz-Bedingungen) Motorcycle insuranceTake out yes not addressed no yes yes yes
Versicherungskammer Bayern Motorradversicherung (allgemeine Kfz-Bedingungen) Motorcycle insuranceTake out not addressed not addressed yes yes yes yes
Verti Klassik Motorcycle insuranceTake out no not addressed not addressed yes yes not addressed
Verti Premium Motorcycle insuranceTake out yes, up to EUR 1,000 not addressed not addressed yes yes not addressed
Verti Spar Motorcycle insuranceTake out no not addressed not addressed yes yes not addressed
VGH Komfort Motorcycle insuranceTake out yes, up to EUR 1,500 not addressed no yes yes no
VGH Premium Motorcycle insuranceTake out yes, up to EUR 1,500 not addressed no yes yes no
VHV Motorradversicherung (allgemeine Kfz-Bedingungen) Motorcycle insuranceTake out yes, up to EUR 2,000 not addressed yes yes yes yes
VOLKSWOHL BUND Best Motorcycle insuranceTake out yes not addressed yes yes yes no
VOLKSWOHL BUND Comfort Motorcycle insuranceTake out yes not addressed yes yes yes no
VOLKSWOHL BUND Easy Motorcycle insuranceTake out no not addressed yes yes yes no
WGV Optimal Motorcycle insuranceTake out yes, up to EUR 2,000 not addressed yes yes yes no
Württembergische Kompakt Motorcycle insuranceTake out not addressed not addressed not addressed yes yes not addressed
Württembergische PremiumSchutz Motorcycle insuranceTake out yes, up to EUR 2,000 not addressed yes yes yes not addressed
Zurich Premium Motorcycle insuranceTake out not addressed not addressed yes yes yes yes
Zurich Top Motorcycle insuranceTake out not addressed not addressed yes 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 66 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
  • AXA
  • BavariaDirekt
  • HDI
  • R+V

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