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Allianz Kraftfahrtversicherung Firmen: the policy wording in full
Allianz Kfz-Versicherung für Nutz- und Flottenfahrzeuge (AKB-NF) mit eigener Fahrzeugart Taxen, eigener SF- und Rückstufungstabelle und Verzicht auf grobe Fahrlässigkeit, ohne Neupreis, Schutzbrief und RabattSchutz für Taxen.
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Everything about this policy
What the policy covers: 68 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Allianz Kraftfahrtversicherung
Firmen.
Basics and insured vehicles
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Taxis expressly insured as a risk (own taxi clause or taxi tariff) | yes | „Personenkraftwagen, die der Unternehmer an behördlich zugelassenen Stellen bereithält“ | Tarifbestimmungen C.1.4 Taxen, page 19 |
| Private hire vehicles with driver (PBefG hire car, VTC in Spain) insurable | yes | „Mietwagen ein Fahrzeug, das gewerblich mit Stellung eines Fahrers vermietet wird.“ | Tarifbestimmungen C.1.3 Mietwagen, page 19 |
| Trips booked via ride hailing platforms (Uber, Bolt, FREE NOW) expressly included | not addressed | ||
| Patient transport and school runs by taxi or hire car included | not addressed | ||
| Wheelchair accessible vehicles (inclusion taxi) including ramp and restraint system insured | not addressed | ||
| Private use of the taxi or hire car insured | not addressed | ||
| Maximum number of seats for the taxi tariff (e.g. up to 8 seats) | not addressed | ||
| Several taxis or hire cars in one contract (small fleet) | not addressed |
Motor third party liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Third party liability limit (combined or per type of damage) | yes, up to the sum insured | „Die Höhe Ihrer Versicherungssummen können Sie dem Versicherungsschein entnehmen.“ | Teil A Kfz-Haftpflicht 1.3, page 4 |
| Maximum per injured person for bodily injury | not addressed | ||
| Liability claims of passengers covered, without restriction to the statutory minimum | not addressed | ||
| Voluntary liability above compulsory cover | not addressed | ||
| Liability top up for hired vehicles abroad (Mallorca cover) | yes, up to the sum insured | „Wir leisten nur soweit, wie nicht aus einer für das fremde Fahrzeug abgeschlossenen …“ | Teil A Kfz-Haftpflicht 1.7, page 4 |
| Trailers and luggage trailers covered | not addressed | ||
| Damage while loading, unloading and passengers getting in or out | not addressed | ||
| Territorial scope (Europe, EU, Spain only) | yes | „den geographischen Grenzen Europas (hierzu zählt auch der europäische Teil der Türkei)“ | Teil A Kfz-Haftpflicht 1.5, page 4 |
Partial and comprehensive cover
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Partial cover offered for taxis and hire cars | yes | „Versichert ist der Zusammenstoß des in Fahrt befindlichen Fahrzeugs mit Tieren …“ | Teil A Kasko 1.2 (4), page 9 |
| Comprehensive cover offered for taxis and hire cars | yes | „Einstufung von Taxen, Mietwagen, Omnibussen und Nutzkraftfahrzeugen“ | 13.11.2 (1), page 31 |
| Taxi equipment covered (roof sign, taximeter, radio, alarm, payment terminal) | not addressed | ||
| Safety partition and interior camera covered | not addressed | ||
| Interior damage caused by passengers (soiling, vandalism) covered | not addressed | ||
| Collision with animals of all kinds under partial cover | yes | „Versichert ist der Zusammenstoß des in Fahrt befindlichen Fahrzeugs mit Tieren …“ | Teil A Kasko 1.2 (4), page 9 |
| Glass breakage covered | yes, up to the sum insured | „Versichert sind Bruchschäden an der Verglasung des Fahrzeugs.“ | Teil A Kasko 1.2, page 9 |
| Marten bite including consequential damage | yes, up to the sum insured | „Versichert sind unmittelbar durch einen Tierbiss verursachte Schäden. Folgeschäden am …“ | Teil A Kasko 1.2 (5), page 9 |
| New or purchase price compensation (duration in months quoted) | no | „Bei dem versicherten Fahrzeug handelt es sich um einen Pkw oder Lkw mit einer …“ | Teil A Kasko 1.5.1, page 11 |
| GAP cover for leased or financed vehicles | not addressed | ||
| Waiver of the gross negligence defence (exceptions quoted) | yes | „Wurde der Versicherungsfall grob fahrlässig herbeigeführt, verzichten wir Ihnen …“ | Teil A Kasko 2 (2), page 13 |
| Deductible under partial cover | yes, up to the sum insured | „Wenn eine Selbstbeteiligung vereinbart ist, wird diese für jedes“ | Teil A Kasko 1.6, page 13 |
| Deductible under comprehensive cover | yes, up to the sum insured | „Wenn eine Selbstbeteiligung vereinbart ist, wird diese für jedes“ | Teil A Kasko 1.6, page 13 |
| Workshop restriction (repair only at partner garage) | not addressed |
Loss of use and business interruption
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of earnings or daily allowance after accident downtime | not addressed | ||
| Daily amount and maximum number of days | not addressed | ||
| Waiting days before first payment | not addressed | ||
| Replacement taxi or hire car after accident, breakdown or theft | not addressed | ||
| Benefit on withdrawal of driving licence or passenger transport permit | not addressed | ||
| Business interruption of the taxi business (lost profit, fixed costs) | not addressed | ||
| Assistance in recovering loss of use from the liable party | not addressed |
Driver and occupants
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Personal accident cover for passengers | not addressed | ||
| Death benefit per occupant | not addressed | ||
| Disability benefit per occupant | not addressed | ||
| Driver protection (bodily injury of own driver in at fault accident) | not addressed | ||
| Employed and changing drivers without naming | not addressed | ||
| Restriction or surcharge for young or new drivers (age, licence years quoted) | not addressed | ||
| Benefit for robbery or violence against the driver | not addressed | ||
| Daily takings covered for robbery or theft | not addressed |
Assistance and legal expenses
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Breakdown and accident assistance at the scene | no | „Der Schutzbrief für Pkw und Lkw bis 3,5 t zGM kann nur zusammen mit dem Vertrag über die“ | B.2.2.6 Schutzbrief Firmen, page 15 |
| Towing (maximum amount or kilometres quoted) | no | „Der Schutzbrief für Pkw und Lkw bis 3,5 t zGM kann nur zusammen mit dem Vertrag über die“ | B.2.2.6 Schutzbrief Firmen, page 15 |
| Assistance from kilometre 0, also at the taxi rank | not addressed | ||
| Onward transport of passengers after breakdown or accident | not addressed | ||
| Motor or business legal expenses for the taxi business | not addressed | ||
| Recovery of damages from the other party | not addressed | ||
| Criminal bail abroad | not addressed |
Exclusions and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| No cover without valid licence, permit or passenger transport licence | yes | „Fahren nur mit Fahrerlaubnis“ | Teil A Kfz-Haftpflicht Obliegenheiten (3), page 5 |
| Use clause: reduced benefit for use other than declared | yes | „Das Fahrzeug darf nur zu dem im Versicherungsvertrag“ | Teil A Kfz-Haftpflicht Obliegenheiten (1), page 5 |
| Recourse or reduction for alcohol or drugs (amount quoted) | yes, up to EUR 5,000 | „je 5.000 EUR beschränkt.“ | Teil A Kfz-Haftpflicht 2 (2), page 6 |
| Maximum recourse for breach of obligation | yes, up to EUR 5,000 | „je 5.000 EUR beschränkt.“ | Teil A Kfz-Haftpflicht 2 (2), page 6 |
| Exclusion of races and driving events | yes | „Nicht genehmigte Rennen Das Fahrzeug darf nicht zu behördlich nicht genehmigten“ | Teil A Obliegenheiten (5), page 6 |
| Exclusion of war, terror, civil unrest | yes | „Kriegsereignisse, innere Unruhen“ | Teil A Kasko Ausschlüsse (5), page 13 |
| Claims notification deadline | yes | „müssen Sie uns innerhalb einer Woche anzeigen.“ | Teil A Kfz-Haftpflicht Schadenfall, page 6 |
Contract and rating
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Own no claims or bonus malus scale for taxis and hire cars | yes | „Einstufung von Taxen, Mietwagen, Omnibussen und Nutzkraftfahrzeugen“ | 13.11.2 (1), page 31 |
| Downgrade after a claim (taxi downgrade table) | yes | „Rückstufung im Schadenfall bei Taxen, Mietwagen“ | 13.11.2 (2), page 31 |
| Transfer of no claims discount from private car or previous insurer | yes | „Die obere Fahrzeuggruppe umfasst Taxen, Mietwagen, Lkw mit einer zulässigen Gesamtmasse …“ | Tarifbestimmungen C.7.2, page 25 |
| Bonus protection for taxis and hire cars | no | „Die Zusatzvereinbarung RabattSchutz Firmen ist optional zur Haftpflichtversicherung und …“ | B.2.2.4 RabattSchutz Firmen, page 14 |
| Fixed contribution or deductible per liability claim | not addressed | ||
| Mileage cap or premium rule by annual mileage | not addressed | ||
| Contract term and notice period | yes | „Ist der Vertrag mit einer Laufzeit von einem Jahr abgeschlossen, verlängert er sich zum …“ | Teil B Laufzeit (2), page 25 |
| Right of both parties to cancel after a claim | not addressed | ||
| Guarantee of at least model conditions or previous contract | 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.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- Allianz Versicherungs-Aktiengesellschaft
- Distribution
- through tied agents
- Allgemeine Bedingungen für die Kfz-Versicherung Firmen und Flotten (AKB-NF), FKRB 260 Edition: FKRB 260/13 Original from the insurer (PDF, German)
- Tarifbestimmungen Kraftfahrt mit Mietwagen (C.1.3) und Taxen (C.1.4), FKR 270 Edition: Firmen Kraft Info 10.2026 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 Allianz Kraftfahrtversicherung Firmen and available as plain
text.
Volltext Allianz Kraftfahrtversicherung Firmen Taxiversicherung · As text (Markdown) Allianz Kraftfahrtversicherung Firmen Taxi insurance