Car protection letter in 2024
What services are included in the motor vehicle insurance policy?
The benefits of a cover letter are comparable to those of an automobile club. The following services are central:
- on-site breakdown and accident assistance,
- the onward and return service
- as well as the organization of a rental car.
If people have been injured in an accident, the cover letter insurance also organises the return transport of the injured person, if necessary. If the vehicle is stored after a breakdown or accident until it is restored, the costs are also covered for up to two weeks. Towing to the nearest workshop or recovering the car are also included in the benefits of the motor vehicle protection letter.
If an overnight stay has to be organized at short notice due to an accident or a breakdown of the car, help can also be sought for this. As a rule, the costs incurred for three nights are covered.
Where can I get a motor vehicle protection letter?
The cover letter is an additional component in motor vehicle insurance. When taking out car insurance, the cover letter must be expressly taken out at the same time. Drivers should definitely ask their car insurer or intermediary about this. When taking out insurance online, the motor vehicle protection letter usually has to be selected specifically.
How much does a motor vehicle cover cost?
The car protection letter is usually available from the car insurance company for an average of a few euros per month. How much the cover letter costs in concrete terms depends on the individual contract design of the car insurance.
What distinguishes a motor vehicle cover from automobile club membership?
In principle, certain benefits of a cover letter are comparable to those of an automobile club, such as roadside assistance. Since not every driver needs services such as travel planning assistance or reading material, a car cover is often completely sufficient and often the cheaper alternative to membership in an automobile club.
Who needs the motor vehicle protection letter?
The cover letter is useful for anyone who travels a lot by car – whether at home or when travelling abroad. The cover letter offers additional security in the event of an accident with the vehicle or in the event of a breakdown.
Statistics: How many letters of protection are there in Germany?
In addition to motor vehicle protection letters, consumers can also take out support in everyday emergency situations via a number of other insurance letters, such as for a house or apartment or for a bicycle. In total, there are 28.6 million cover letters from insurers in Germany. The vast majority of these are motor vehicle protection letters.
Who is insured by the motor vehicle protection letter?
The insurance cover usually refers to the driver, the occupants of the car, and the insured vehicle.
In which countries does the insurance cover of the motor vehicle protection certificate exist?
With the cover letter, you have insurance cover in the geographical borders of Europe as well as the non-European territories that belong to the territory of the European Union.
Insurance cover abroad: What is the Mallorca policy?
Anyone who causes an accident with a rental car abroad may have to contribute to the compensation themselves. The reason: Car insurance only covers damage up to the sum insured in the respective country - and in many cases this is lower than in Germany. In this case, it may make sense to take out supplementary insurance that closes this difference from the German standard for sums insured: the Mallorca policy.
What can be misleading about the Mallorca cover is that it applies not only to the popular Balearic island, but usually to all European countries. Officially, it is referred to as insurance for the use of third-party vehicles subject to insurance. It got its colloquial name from German tourists who like to rent a car in Mallorca. However, the term has even made it into the contracts of insurers as Mallorca policy, Mallorca clause or Mallorca cover.
Why is the motor vehicle insurance policy particularly important abroad?
When traveling abroad, the car protection letter is often helpful, as it is usually more difficult to organize quick help there. In addition, many of the benefits of the cover letter are specially tailored to the stay abroad. This applies, for example, to the repatriation of patients. But motorists are also entitled to the service of the cover letter in Germany, such as breakdown assistance or the organization of a rental car.
How exactly does the help of the motor vehicle protection letter work?
The benefits of the cover letter are a so-called assistance service provided by the insurers. Motorists who get into an emergency situation or have a breakdown with their car can contact their car insurer in an emergency. The insurance company has specialized contractual partners, so-called assistants, who offer motorists on site quick and practical help in an emergency. The protection of the car protection letter applies both at home and in other European countries.