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SIGNAL IDUNA und Mietwagen mit Schutzbrief: the policy wording in full
Taxi- und Mietwagentarif der VdK (SIGNAL IDUNA) mit Konzessionsnachlass, Flottenangebot und Taxi-Schutzbrief ohne Selbstbeteiligung samt Ersatz-Taxi bis 200 Euro je Tag.
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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 SIGNAL IDUNA und Mietwagen mit
Schutzbrief.
Basics and insured vehicles
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Taxis expressly insured as a risk (own taxi clause or taxi tariff) | yes | „Unser Tarif bietet für jeden Taxi- und Mietwagenunternehmer das Richtige.“ | Kraftfahrtversicherung, page 2 |
| Private hire vehicles with driver (PBefG hire car, VTC in Spain) insurable | yes | „Unser Tarif bietet für jeden Taxi- und Mietwagenunternehmer das Richtige.“ | Kraftfahrtversicherung, page 2 |
| 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) | yes | „Konzessionsnachlass und „ Flottenangebot““ | Kraftfahrtversicherung, page 2 |
Motor third party liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Third party liability limit (combined or per type of damage) | not addressed | ||
| 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) | not addressed | ||
| Trailers and luggage trailers covered | not addressed | ||
| Damage while loading, unloading and passengers getting in or out | yes, up to EUR 2,000 | „Unsere Privathaftpflichtversicherung schützt Sie hier mit bis zu 2.000 Euro je Fall.“ | Privathaftpflicht, page 5 |
| Territorial scope (Europe, EU, Spain only) | yes | „Versicherungsschutz besteht für Schadenfälle in Europa“ | Taxi-Schutzbrief, page 3 |
Partial and comprehensive cover
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Partial cover offered for taxis and hire cars | not addressed | ||
| Comprehensive cover offered for taxis and hire cars | not addressed | ||
| 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 | not addressed | ||
| Glass breakage covered | not addressed | ||
| Marten bite including consequential damage | not addressed | ||
| New or purchase price compensation (duration in months quoted) | not addressed | ||
| GAP cover for leased or financed vehicles | not addressed | ||
| Waiver of the gross negligence defence (exceptions quoted) | not addressed | ||
| Deductible under partial cover | not addressed | ||
| Deductible under comprehensive cover | not addressed | ||
| 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 | yes, up to EUR 200 | „Ersatz-Taxi bei Fahrzeug-Ausfall (Kostenübernahme ab dem 2. Tag bis zu einem Betrag von …“ | Taxi-Schutzbrief, page 3 |
| 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 | yes, up to EUR 2,000 | „Auch der Raub Ihres Hausrats aus dem Taxi/Mietwagen ist durch unsere …“ | Hausratversicherung, page 7 |
| Daily takings covered for robbery or theft | yes, up to EUR 2,000 | „Hierzu gehört auch das Bargeld!“ | Hausratversicherung, page 7 |
Assistance and legal expenses
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Breakdown and accident assistance at the scene | yes, up to EUR 150 | „Reparaturen am Schadenort bis zu einem Betrag von 150,00 €“ | Taxi-Schutzbrief, page 3 |
| Towing (maximum amount or kilometres quoted) | yes, up to EUR 150 | „Abschleppen zur nächsten autorisierten Fachwerkstatt bis zu einem Betrag von 150,00 €“ | Taxi-Schutzbrief, page 3 |
| Assistance from kilometre 0, also at the taxi rank | not addressed | ||
| Onward transport of passengers after breakdown or accident | yes, up to the sum insured | „Kostenerstattung für die Fahrt zum Zielort der Beförderung oder zum Standort des …“ | Taxi-Schutzbrief, page 3 |
| 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 | not addressed | ||
| Use clause: reduced benefit for use other than declared | not addressed | ||
| Recourse or reduction for alcohol or drugs (amount quoted) | not addressed | ||
| Maximum recourse for breach of obligation | not addressed | ||
| Exclusion of races and driving events | not addressed | ||
| Exclusion of war, terror, civil unrest | not addressed | ||
| Claims notification deadline | not addressed |
Contract and rating
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Own no claims or bonus malus scale for taxis and hire cars | not addressed | ||
| Downgrade after a claim (taxi downgrade table) | not addressed | ||
| Transfer of no claims discount from private car or previous insurer | yes | „Besondere Einstufungsmöglichkeiten u. a. bei Erstkonzessionen und Betriebsübernahmen“ | Kraftfahrtversicherung, page 2 |
| Bonus protection for taxis and hire cars | not addressed | ||
| Fixed contribution or deductible per liability claim | yes, up to the sum insured | „Regionale Tarifvorteile mit und ohne Selbstbeteiligung“ | Kraftfahrtversicherung, page 2 |
| Mileage cap or premium rule by annual mileage | not addressed | ||
| Contract term and notice period | not addressed | ||
| 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
- SIGNAL IDUNA Allgemeine Versicherung Aktiengesellschaft
- Distribution
- brokers and direct
- Taxi und Mietwagen, Produktinformation mit Leistungsübersicht Taxi-Schutzbrief (47051xx) Edition: 4705105 Dez25 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 SIGNAL IDUNA und Mietwagen mit Schutzbrief and available as
plain text.
Volltext SIGNAL IDUNA und Mietwagen mit Schutzbrief Taxiversicherung · As text (Markdown) SIGNAL IDUNA und Mietwagen mit Schutzbrief Taxi insurance