Damage to others
The insurer assesses claims, rejects unjustified demands and pays justified claims up to the agreed insured sum.
Mobility · compulsory liability & vehicle value
Car insurance: who and what is protected?
Motor liability insurance protects other road users and is compulsory in Germany. Partial comprehensive (Teilkasko) and fully comprehensive (Vollkasko) own-damage cover are optional modules for your own vehicle. Understanding these separate roles is essential.
Liability is compulsoryOwn-damage cover is optionalPolicy terms differ
Three tasks, three different layers.
The policy is designed to protect claims by injured third parties and can also protect the value of your own vehicle. Not every module is equally relevant for every car.
Defined external events
It protects the insured vehicle against named events such as theft, broken glass and certain natural hazards.
Your own collision damage
It typically adds at-fault collision damage to your own vehicle and vandalism to partial own-damage cover.
Typical benefits and important limits.
Only the selected policy, policy schedule and conditions determine which events are actually insured.
Typical cover
- Bodily injury, property damage and financial loss suffered by third parties under liability cover
- Partial comprehensive cover (Teilkasko) often includes theft, fire, glass breakage, storm, hail and flooding
- Depending on the policy, collision with animals, damage caused by martens and short-circuit damage
- Fully comprehensive cover (Vollkasko) typically includes at-fault collisions and vandalism
- Optional driver protection, roadside assistance or GAP cover
Points to check
- Motor liability does not cover damage to your own vehicle.
- Wear, material fatigue and mechanical or operational damage not caused by an insured event are generally excluded.
- Driver group, mileage, use and special equipment must be recorded correctly.
- Own-damage benefits may be reduced for gross negligence, depending on the policy.
- Repair-shop restrictions, excesses and compensation limits affect benefits and price.
Who needs which module?
Liability follows the statutory requirement. Whether own-damage cover fits depends on factors including vehicle value, finance and your ability to absorb a loss.
Liability
The keeper of a vehicle subject to compulsory insurance must maintain the legally required liability protection.
Consider comprehensive cover
Broader own-damage cover can be relevant for new, valuable, leased or financed vehicles.
Weigh partial cover
Even for an older vehicle, consider whether you could replace it from your own funds after theft or a total loss.
Illustrative example
A rear-end collision separates liability and own-damage cover.
A driver causes a rear-end collision. Motor liability assesses and settles justified claims by the other parties. Damage to the driver's own car would only be covered under suitable fully comprehensive (Vollkasko) insurance.
Illustrative example only — not personal advice and not a guarantee of cover, benefits or price.How MB Finance supports you.
We consider price, terms and use together, for both new and existing policies.
Vehicle, drivers, use, finance and the desired own-damage protection are captured systematically.
Relevant benefits, exclusions, excesses and premiums are set side by side.
We assess whether policy details, scope and possible gaps still fit.
Information is prepared clearly and the next steps are implemented together.
A new car, additional drivers or different use can trigger a fresh review.
We support structured communication and submission of available documents.
Related policies with different purposes.
An addition should close a specific gap rather than simply duplicate existing benefits.
Next page
Continue to residential building insurance.
After mobility, we turn to property: which losses affect the building, where do household contents begin, and when is natural-hazards cover needed?
Context, sources and notice
Cover is determined exclusively by the selected policy, policy schedule and insurance conditions. Benefits and loss scenarios mentioned here are examples, not a guarantee of payment.