Motor vehicle cover letter In connection with the vacation, the question arises of appropriate insurance protection or whether the insurance packages offered by the insurance company make sense. For all travel insurances, it is essential to compare the price with the service provided. Read the fine print!
Pay particular attention to whether you are not double or triple insured against risk. Especially for cardholders (Eurocard, VISA, etc.), adequate insurance cover for the trip is often integrated into the services. To do this, go through your card contract documents again carefully.
Since the offers circulating on the market are very different, I will go into the essential characteristics of these types of insurance here.
The motor vehicle cover letter (traffic service insurance)
The most frequently used means of transport on vacation is the car or motorcycle. In the event of an accident, breakdown or illness, the cover letter can be beneficial.
- The cover letter insurance bears the costs for
- breakdown assistance
- recovery of the vehicle
- shipping of spare parts
- repatriation and storage
- accommodation (up to € 100 per person and night, but no more than three nights)
- rental car
- rail journey
In the event of illness or injury to vehicle occupants, the insurance will finance the medically necessary and medically ordered return transport to the place of residence. There is total payment – whether by ambulance, train or plane. If the spouse is travelling with underage children, the return transport is financed when travelling by car and when travelling by bus, train, ship or plane.
Other services include :
- Replacement of travel documents
- Assistance in the event of loss of means of payment
- Mediation of medical care
- Reimbursement of costs in the event of travel interruption
- Help in emergencies
According to the general conditions for cover insurance (AB Schutzbrief 96), insurance cover is available for all damage cases in Europe and the non-European countries bordering the Mediterranean Sea.
On vacation and business trips, luggage insurance protects against financial damage through loss, destruction and damage to the luggage. The insurance covers personal effects in theft, robbery, fire, transport accidents and accidents of an insured person. You are also protected in the event of storms, lightning strikes, explosions, floods and other cases of force majeure – but not in the event of war and confiscation or being left lying, standing or hanging. For valuables – including photo and video equipment – the maximum compensation is 50 per cent of the sum insured.
The sum insured must correspond to the total value of the luggage. Otherwise, the damage will not be fully reimbursed. The current value is replaced – the amount for which you can buy new things of the same kind at your home town, whereby you have to accept a deduction for age, wear and tear and use. The repair costs are paid for damaged items. Luggage insurance can be taken out as an annual policy, making it unnecessary to separate insurance for short breaks. It should be noted that stays abroad are generally only insured for up to six weeks.
It can also be problematic if the luggage is left behind in an unattended car. In this case, insurance cover is only available during the day if breaks in the journey only last up to two hours or the vehicle is parked in a locked garage. If this is not the case, you will receive a maximum of € 500 in compensation.
There is no insurance cover
- in the event of burglary from unattended vehicles for photo and video equipment, furs and jewellery, among other things.
- if the luggage is left unattended at the train station or airport.
In my opinion, you should carefully consider the conclusion of such an insurance contract because the exclusion clauses are very extensive, and the trouble with the insurance company seems inevitable.
Travel cancellation insurance
The travel cancellation insurance replaces the costs you have to bear due to the non-arrival or interruption of a trip and is always linked to your specific travel booking. Accepted reasons for cancellation are death, a severe accident, an unexpected serious illness, pregnancy or even a burned down or robbed house at home. But there are certainly problems if a condition was foreseeable or you did not cancel the trip in good time. If the insurer can prove that the disease has been latent for a long time (e.g. long-term back problems or allergies), the insured person may be denied benefits.
The contribution amount is based on the travel price—the more valuable the trip, the more expensive the insurance premium. Insurance is beneficial for high-quality trips. The ostomy costs incurred by the tour operator or the landlord of a holiday home will be reimbursed, whereby only the trip’s price at the time of booking is insured. Additional services booked at the holiday destination are not included in the insurance.
With additional coverage, you can also ensure travel services that have been booked and paid for but not used (e.g. boat tour, etc.).
International travel health insurance
Benefits of the statutory health insurance
Those who have statutory health insurance generally only enjoy health insurance cover in the FRG area:
- If, however, according to the generally recognized state of medical knowledge, appropriate treatment of the illness is only possible abroad, then the health insurance company can cover the costs take over the necessary treatment in whole or in part. In these cases, the health insurance company can also cover further costs for the insured person and a necessary companion in whole or in part.
- For a temporary stay abroad (especially a vacation trip abroad), the following applies:
- Suppose on-site treatment is required immediately, which would also be possible in Germany. In that case, the health insurance company has to cover the necessary treatment costs insofar as the insured person could demonstrably not be guaranteed because of a pre-existing illness or his age. However, this only applies if the health insurance company has determined this before the start of the stay abroad.
- The costs may then only be covered up to the amount they would have been incurred in Germany and only for a maximum of six weeks in a calendar year. However, the assumption of costs is not permitted if the insured person has gone abroad for treatment without this being necessary.
- It is true that some countries have concluded agreements whereby health insurance protection for a temporary stay in such a country was ensured to the same extent as if the insured person were insured there. You should obtain details on this from the statutory health insurance provider for the precisely planned trip.
- Private health insurance abroad Despite the statutory health insurance coverage, the GVK insured person has to reckon with some considerable personal contributions and, for example, also bear the costs of an illness or accident-related return transport to the FRG himself. It is therefore advisable to take out private health insurance for travel abroad.
- But such a degree is not only recommended for members of the statutory health insurance. International travel health insurance is also recommended for private, fully insured persons who enjoy appropriate health insurance cover abroad. The advantages are, e.g. B. that a collectively agreed deductible can be circumvented or possible premium reimbursements are not affected due to freedom from damage.
The benefits of international travel health insurance at a glance :
- 100% reimbursement for medical treatment in the outpatient and inpatient sector
- Medicines, bandages and remedies
- Pain-relieving dental treatment
- Transport to the nearest hospital
- Medically prescribed repatriation • Aids caused by an
- Funeral expenses abroad or transfer to your place of
- residence up to a maximum of € 20,000. • You are insured for a maximum of eight weeks for every private trip; in the event of inability to transport for an additional 90 days at the most.
- There is no limit to the number of trips you can make each year.
- Insurance cover also exists for business trips that do not exceed ten days.
- Eligible are persons with permanent residence in Germany up to the maximum age of 69 years; If you are already insured, you can enjoy insurance coverage beyond 70.
- Insurance cover also exists for previous illnesses.
A BGH ruling on this.
So far, the travel health insurers had not paid for illnesses or the consequences of accidents that were in acute need of treatment before the insurance cover or for which the foreign travel took place for treatment. You stipulated this exclusion in Section 5 (la) of the General Insurance Conditions (AVB). The BGH declared this exclusion to be ineffective due to a violation of Paragraph 9 of the AGBG.
The insurers have thus been denied the application of the clause or the appeal to it, except a merchant in the context of his commercial business, a legal entity under public law or a special fund under public law. The BGH viewed the clause as an inadmissible exclusion of risk.
You will not receive any benefits
- for illnesses and the consequences of an accident, the treatment of which was a reason for starting your trip abroad.
- for illnesses and consequences caused by war events or active participation in civil unrest,
- for withdrawal and withdrawal treatments.
The premiums for such insurance cover are very low. Depending on the provider, they are between € 10 and € 20 per year. You can also purchase insurance cover specifically for a trip. The costs are around € 0.60 per travel day and person.
I consider this insurance cover to be recommended.