Insurance broker / Business trip motor cover / Policy wording archive Business trip motor cover
Ecclesia Tageskasko: the policy wording in full
Tageweise Deckung für einzelne Dienst-, Besorgungs- und Auftragsfahrten mit eigenen oder geliehenen Fahrzeugen: Vollkasko samt Teilkasko mit 150 Euro Selbstbehalt, Rückstufungsausgleich, Insassenunfall, Rechtsschutz und Schutzbrief für Pkw, Prämie je Tag und Fahrzeug.
German market: tariffs for people living in Germany.
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Everything about this policy
What the policy covers: 69 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Ecclesia Tageskasko.
Contract form and insured persons
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract form (annual flat rate, per kilometre, named vehicles, day cover, framework or group contract) | yes | „Der Versicherungsschutz bezieht sich auf kurzfristige Dienst-, Besorgungs- und …“ | Versicherungsschutz für Auftragsfahrten, page 1 |
| Eligible policyholders (companies, clubs, associations, churches, welfare bodies, municipalities) | yes | „privateigenen Fahrzeugen von Mitarbeitenden/Kolpingsmitgliedern“ | Einleitung, page 1 |
| Employees using their private vehicle on business trips covered | yes | „Der Versicherungsschutz bezieht sich auf kurzfristige Dienst-, Besorgungs- und …“ | Versicherungsschutz für Auftragsfahrten, page 1 |
| Volunteers and unpaid helpers covered | yes | „Der Versicherungsschutz bezieht sich auf kurzfristige Dienst-, Besorgungs- und …“ | Versicherungsschutz für Auftragsfahrten, page 1 |
| Officers and board members (board, management, elected office holders) covered | not addressed | ||
| Freelancers, fee-based staff and instructors covered | not addressed | ||
| Blanket cover for all entitled persons without naming them | no | „Hinweis zum Anmeldeverfahren: Hier sind die Anzahl der Fahrzeuge sowie die amtlichen …“ | Einleitung, page 1 |
| Vehicles of spouses, relatives or third parties used by the entitled person on business covered | yes | „mit eigenen oder geliehenen Kraftfahrzeugen“ | Versicherungsschutz für Auftragsfahrten, page 1 |
| Leased, financed and rented private vehicles covered | no | „mit Ausnahme solcher, die von kommerziellen Fahrzeugverleihern gemietet werden“ | Versicherungsschutz für Auftragsfahrten, page 1 |
Insured vehicles and trips
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured vehicle types (cars, estates, motorcycles, minibuses, vans up to a payload) | yes | „Pkw bis 9 Sitze ... Lkw bis 7,5 Tonnen“ | Prämientabelle, page 1 |
| Motorcycles and scooters covered | not addressed | ||
| Bicycles, pedelecs and e-scooters on business trips covered | not addressed | ||
| Vehicles owned by the policyholder (company or club vehicles) excluded | not addressed | ||
| Definition of a business trip (ordered or approved, on behalf and in the interest of the policyholder) | yes | „kurzfristige Dienst-, Besorgungs- und Auftragsfahrten“ | Versicherungsschutz für Auftragsfahrten, page 1 |
| Commuting between home and workplace or place of assignment covered | not addressed | ||
| Detours and interruptions for private purposes covered | not addressed | ||
| Parking during the business trip (including overnight at the destination) covered | not addressed | ||
| Multi-day business trips with overnight stay covered | not addressed | ||
| Trips to events, meetings, training and transport of members or persons in care covered | not addressed | ||
| Territorial scope (domestic, Europe, non-European territories of the EU) | not addressed | ||
| Proof of the business trip (travel request, logbook, confirmation by the principal) | not addressed |
Own damage cover
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Comprehensive: accident, self-inflicted damage and vandalism | yes | „Fahrzeugvollversicherung inklusive Teilkasko mit jeweils 150 Euro Selbstbehalt“ | Versicherungsumfang, page 1 |
| Partial cover: fire, explosion, theft, storm, hail, flood | yes | „Fahrzeugvollversicherung inklusive Teilkasko mit jeweils 150 Euro Selbstbehalt“ | Versicherungsumfang, page 1 |
| Glass breakage | not addressed | ||
| Collision with animals of any kind | not addressed | ||
| Marten and animal bites including consequential damage | not addressed | ||
| Theft, burglary and robbery of the vehicle or parts | not addressed | ||
| Maximum indemnity per vehicle or claim | not addressed | ||
| Indemnity at replacement value, new price for recent vehicles | not addressed | ||
| Waiver of the gross negligence defence | not addressed | ||
| Towing, recovery and repatriation of the vehicle | yes, up to the sum insured | „Bergen des Fahrzeuges nach Panne/Unfall“ | Auto-Schutzbriefversicherung, page 1 |
| Rental car or loss of use | yes, up to the sum insured | „Mietwagen bei Fahrzeugausfall“ | Auto-Schutzbriefversicherung, page 1 |
| Diminished value after repair | not addressed | ||
| Accessories, luggage and work items carried in the vehicle | not addressed | ||
| Electric vehicles: battery, charging cable and damage while charging | not addressed | ||
| Exclusion of brake, operating, engine, tyre and pure breakage damage | not addressed |
Loss of no-claims bonus and deductible
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible of the business trip cover per claim | yes, up to the sum insured, excess EUR 150 | „Fahrzeugvollversicherung inklusive Teilkasko mit jeweils 150 Euro Selbstbehalt“ | Versicherungsumfang, page 1 |
| Deductible selectable or waivable | not addressed | ||
| Loss of no-claims bonus in the private motor liability policy reimbursed | yes, up to the sum insured | „Kraftfahrthaftpflicht-Rückstufungsversicherung (Ausgleich maximal 2 Jahre)“ | Versicherungsumfang, page 1 |
| Loss of no-claims bonus in the private comprehensive policy reimbursed | not addressed | ||
| Bonus loss over several years (reimbursement period, calculation of extra premiums) | yes | „Kraftfahrthaftpflicht-Rückstufungsversicherung (Ausgleich maximal 2 Jahre)“ | Versicherungsumfang, page 1 |
| Deductible of the private own damage policy reimbursed when the claim is settled there | not addressed | ||
| Subsidiarity: benefit only where no other own damage or liability insurance pays | not addressed | ||
| Private own damage policy of the vehicle keeper is not charged | not addressed | ||
| Benefit also where a third party is at fault, with recourse against that party | not addressed |
Exclusions and duties
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Private trips excluded | yes | „kurzfristige Dienst-, Besorgungs- und Auftragsfahrten“ | Versicherungsschutz für Auftragsfahrten, page 1 |
| Exclusion or reduction for alcohol and drugs | not addressed | ||
| Driving licence and authorised driver required | yes | „Vor Beginn einer Auftragsfahrt ist zu prüfen, ob der eingesetzte Fahrer berechtigt ist …“ | Einleitung, page 1 |
| Exclusion of races, driver training and track driving | not addressed | ||
| Exclusion of intent | not addressed | ||
| Time limit for notifying a claim | yes | „Jeder Schadenfall ist unverzüglich der Ecclesia Gruppe Assekuranzservice GmbH …“ | Verhalten im Schadenfall, page 2 |
| Duty to report to the police (theft, game damage, damage above an amount) | not addressed | ||
| Repair approval, expert report and choice of workshop | not addressed | ||
| Entitlement to claim: policyholder or insured person directly | not addressed |
Contract, term and premium basis
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Premium basis (kilometres driven, number of persons or vehicles, flat rate, days) | yes | „Prämie je Tag 9,80 Euro 14,80 Euro 4,90 Euro“ | Prämientabelle, page 1 |
| Declaration of kilometres or persons and year-end adjustment | not addressed | ||
| Minimum premium | not addressed | ||
| Available only together with a fleet or motor policy with the same insurer | not addressed | ||
| Term and tacit renewal | not addressed | ||
| Notice period at expiry | not addressed | ||
| Termination after a claim | not addressed | ||
| Premium adjustment based on claims experience | not addressed | ||
| Underlying terms (general motor conditions, special conditions, bonus loss clause) | yes | „Auto-Schutzbriefversicherung (AB Schutzbrief 2015) zur Dienstreise-Fahrzeugversicherung“ | Auto-Schutzbriefversicherung, page 1 |
Add-ons and market specifics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Passenger accident or driver protection on business trips | yes, up to EUR 42,000 | „Insassenunfallversicherung nach dem Pauschalsystem, 21.000 Euro bei Tod und bis zu …“ | Versicherungsumfang, page 1 |
| Motor legal protection for the business trip | yes, up to EUR 1 million | „mitversichert ist das Fahrzeug-Rechtsschutzrisiko mit einer Leistung von 1.000.000 Euro …“ | Versicherungsumfang, page 1 |
| Supplementary liability cover beyond the private motor liability policy | no | „Bitte beachten Sie, dass es sich hierbei um keine gesetzliche …“ | Versicherungsumfang, page 1 |
| Reference to the employer duty to reimburse expenses (Germany section 670 BGB, Austria section 1014 ABGB) | not addressed | ||
| Spain: relation to the mileage allowance (kilometraje) and to accidents in itinere or en misión | not addressed | ||
| Spain: Consorcio de Compensación de Seguros for extraordinary risks | not addressed |
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.
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Policy wordings and provider
- Legal entity
- Ecclesia Versicherungsdienst GmbH (Versicherungsmakler, Risikoträger je Rahmenvertrag am Text prüfen)
- Distribution
- available through brokers
- Produkthinweisblatt Tageskasko (Kolping) Edition: Stand 01.2025 Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German.
It is printed on the German page for Ecclesia Tageskasko and available as plain text.
Volltext Ecclesia Tageskasko Dienstreisekasko · As text (Markdown) Ecclesia Tageskasko Business trip cover