Motor vehicle insurance
Mobility is a key success factor for many companies. Our motor insurance not only offers the statutory liability cover, but also protects your vehicles against damage, theft and other risks. Whether you use a single company car or an entire fleet, you can rely on our many years of experience and comprehensive service to ensure you can travel without worry at all times.
Motor insurance
Mobility is a key success factor for companies. That is why insuring your vehicle fleet is essential – both for third-party liability claims and for the vehicles themselves. Statutory motor vehicle liability insurance protects against liability risks, while optional vehicle insurance (partial or comprehensive cover) offers additional protection.
Depending on the size of the vehicle fleet, premiums can be calculated individually or modelled as unit premiums. Travel insurance, GAP cover or passenger accident insurance offer further options for extending insurance cover.
Examples of damage
Accident involving a company vehicle
An employee caused an accident while driving a company vehicle on business, damaging both third parties and the vehicle itself. The liability insurance covered the costs of the damage to the other party involved in the accident, and the comprehensive insurance covered the repairs to the company’s own vehicle.
Theft of a company car
A high-quality company vehicle was stolen during a business trip. Thanks to partial comprehensive insurance, the financial loss was compensated. The insurance cover helped to quickly organise a replacement for the vehicle fleet.
Accident involving wildlife while driving at night
A company vehicle collided with a wild animal on a country road at night, causing significant damage to the front end. The partial comprehensive insurance covered the repair costs and ensured that the vehicle was quickly back on the road.
Useful additions
Driver protection
Business travel comprehensive insurance
If employees use their private vehicles for business trips, damage to the vehicle incurred during these trips can be compensated by comprehensive insurance for business trips.
This usually involves insurance cover within the scope and extent of standard comprehensive motor insurance. The requirement for such insurance must also be examined in light of labour law regulations.
Examples of damage
Parking damage during a customer appointment
An employee used his private vehicle for a business appointment. During the meeting, the car was damaged in the car park by an unknown vehicle. The business travel comprehensive insurance covered the repair costs, so the employee did not suffer any financial loss.
Accident on the way to training
An employee was involved in a rear-end collision while driving his private vehicle on his way to a professional training course. The comprehensive insurance for business trips covered both the repair costs for the vehicle and the damage to a damaged road sign.
