Car Insurance -
Vehicle Protection at the
Highest Level
Vehicle Protection at the
Highest Level
Be safe on the road
Our goal is to provide you with a reliable car insurance not only to offer the required insurance protection for your vehicle but also to give you the confidence and assurance that you are worry-free on the roads.
Car liability insurance is legally required for every vehicle owner in Europe. Both private individuals and businesses are obligated to insure their vehicles accordingly to protect themselves and others from financial risks.
Additional components, such as partial coverage insurance and comprehensive insurance, can be added to the car liability insurance.
Our tailor-made car insurance solutions cover a wide range of vehicles, such as passenger cars (PC), commercial vehicles, motorcycles, scooters, electric vehicles, motorhomes, and caravans.
In the event of an accident or damage, we work swiftly to make the process as smooth as possible for you.
We are happy to advise you and find the best offer for you.
Car liability insurance is a legally required insurance for every vehicle owner. It protects the policyholder from the financial consequences of damages caused to others with their vehicle. In the event of an accident, car liability insurance covers damages to people, vehicles, and property of third parties.
Car liability insurance offers a range of benefits, such as:
- Coverage for personal injury: The liability insurance for motor vehicles covers the costs for injuries and deaths caused by the accident. This includes medical expenses, pain and suffering compensation, and potential income loss.
- Coverage for property damage: If a third party's vehicle or other property is damaged in the accident, the insurance covers the costs of repairs or replacement.
- Coverage for financial losses: If the accident leads to financial losses or other financial damages to third parties, the insurance provides protection against claims for damages incurred.
- Legal protection: Car liability insurance also offers legal protection if claims are made against the policyholder. It covers the costs of attorneys and legal advice in case of legal disputes.
- International protection: Many insurance companies also offer international protection, covering damages caused abroad and assisting with potential legal challenges in other countries.
It's important to note that the exact benefits can vary depending on the insurance company and contract. Some insurance companies may offer additional benefits or options that can be selected based on the individual needs of the policyholder.
Partial coverage car insurance is a voluntary insurance that can be taken out in addition to the mandatory car liability insurance. It protects your vehicle against damages caused by theft, fire, glass breakage, collisions with wildlife, natural events such as storms, hail, floods, as well as damage due to electrical short circuits in the vehicle. The exact coverage can vary depending on the insurance contract.
Owners of vehicles who want more than just the legally required protection and wish to insure their own vehicle against a variety of risks should consider partial coverage insurance. Particularly in areas with a higher risk of theft or natural disasters, partial coverage insurance provides additional protection for the vehicle.
The comprehensive car insurance is an extensive insurance that goes beyond the coverage of partial coverage car insurance. It provides additional protection for your vehicle and also covers damages caused by accidents you cause yourself. In addition to theft, fire, glass breakage, and wildlife accidents, it also covers damages from collisions.
Owners of new or high-value vehicles, as well as vehicles that need to be particularly protected due to their high financial or emotional value, should consider comprehensive car insurance. It offers comprehensive protection against a variety of risks and ensures that damages to your own vehicle are covered.
FAQs on Private Car Insurance
Our car insurance includes the legally required liability insurance as well as optional partial and comprehensive coverages. The liability insurance protects you against damages you cause to others with your vehicle, while the partial and comprehensive insurances provide additional protection for your own vehicle, including theft, accident damage, and natural events.
The right car insurance depends on your individual requirements. Our experts are happy to assist you in finding the optimal insurance solution based on your vehicle type, financial situation, and personal needs.
Please note that car insurance may not provide coverage in cases of intentional damage or grossly negligent behavior. Additionally, certain restrictions may apply regarding the driver, especially in cases involving alcohol or drug influence. Our experts are happy to advise you on the specific terms and exclusions.
Car insurance is typically tied to the vehicle owner and cannot be directly transferred or inherited. In the event of a change in the vehicle or its sale, the insurance policy must be transferred to the new owner through a policy amendment.
Yes, no-claims years (NCD) can usually be transferred. This means that when changing vehicles or obtaining a new car insurance policy, the accumulated no-claims years can be applied to the new insurance contract. Transferring the no-claims class can result in policyholders benefiting from lower premiums and reduced insurance costs, as a higher no-claims class typically corresponds to a lower premium rate.
It is important to note that the specific rules and guidelines for transferring no-claims years can vary depending on the insurance company and policy. When switching insurance providers, it may be necessary to provide written confirmation from the previous insurance company regarding the number of no-claims years to ensure that the NCD is correctly transferred to the new policy.
The best car insurance depends on your individual requirements. At Breffka & Hehnke, we offer customized insurance solutions and top-notch service to ensure you get the best possible protection for your vehicle. Our dedicated team is here to assist you in choosing the ideal car insurance.
With comprehensive insurance, you have basic coverage. You are protected against damage, destruction, or loss of your own car due to events like fire, theft, natural disasters, and glass breakage. If you want complete coverage for your car, we recommend full coverage insurance, which includes not only the benefits of comprehensive insurance but also covers damage to your own car in the event of an accident, damage caused by an attached trailer, or malicious damage by third parties (vandalism).
A "Protection Package" is an additional service offered in many car insurance policies. It provides a form of emergency and assistance service in the event of breakdowns or accidents. The exact services may vary depending on the insurance company, but typically, a Schutzbrief includes the following services:
- On-site breakdown assistance: In case of technical problems or breakdowns, on-site assistance is provided. This can include providing jump-starts, changing tires, jump-starting a dead battery, or towing the vehicle to the nearest repair shop.
- Towing service: In the event of an accident or a serious breakdown, your vehicle will be towed to a repair shop of your choice or another desired location.
- Vehicle repatriation: If your vehicle is not drivable due to an accident or breakdown, you and your passengers can typically be transported to your destination through alternative means. This may involve arranging substitute vehicles, rental cars, or other transportation options.
- Accommodation expenses: If a breakdown or accident leads to an extended delay and overnight stay is necessary, the costs of accommodation and possibly meals can be covered.
- Additional assistance services: Depending on the insurance company, additional services such as information about repair shops, medical assistance, or assistance in organizing replacement parts or documents may be offered.
In summary, a Schutzbrief offers a wide range of services designed to assist you in the event of unforeseen incidents on the road.
In most cases, you are also insured with your car abroad, at least in the countries explicitly listed in your policy. This list of countries may vary depending on the insurance company, but it usually includes European Union countries and some additional countries with which bilateral agreements exist.
However, it's important to note that insurance coverage abroad may have limitations and restrictions. In some cases, insurance coverage abroad may be limited to a specific time period, typically up to 90 days per insurance year. Additionally, certain countries may be excluded from coverage, especially in areas with elevated risk or in countries that require specific insurance policies.