Insurance

Exclusions

Charges for Unreturned Items

The following fees apply regardless of the cause, including but not limited to theft, loss, or damage. For reissuance details, please refer to the underlined items.

Is coverage provided for single-vehicle accidents?

Yes. However, the submission of multiple supporting documents may be required. A comprehensive personal statement accompanied by photographs of the scene is mandatory, and additional documentation—such as witness statements or a police report—may also be requested.

No Compensation for Travel Disruptions

Compensation for travel delays, changes, or cancellations resulting from vehicle accidents or breakdowns is not covered.

Travel Insurance Recommended

Additional travel insurance is highly recommended to cover matters beyond the scope of our insurance policies.

Personal belongings

No indemnification shall be provided regardless of the cause, including but not limited to theft, loss, or damage.

Expenses related to medical treatment incurred after repatriation

Compensation for medical treatment arising from accidents or similar incidents is limited to the countries where coverage applies.

Noncompliance with Spare Tire Guidelines

The temporary spare tire (donut tire) is intended for limited use, generally at speeds not exceeding 80-90 km/h and within a driving range of 80-100 km. The maximum permitted speed and distance are indicated on the tire sidewall and should be verified prior to use.

Expenses related to fuel for testing after misfuelling repairs

Expenses incurred for regular fuel used in engine testing following repairs caused by misfuelling incidents are not reimbursed.

Expenses related to navigation malfunctions and map inaccuracies

It is recommended to use Google Maps or similar services in conjunction to mitigate device malfunctions and map inaccuracies.

Force majeure events, including but not limited to natural disasters, epidemics, war, acts of terrorism, riots, and strikes
Expenses related to vehicle operation
  • Use of telephone, mail, fax, internet, or other means in case of emergency
  • Parking fees, tolls (including vignettes), fines, various regional environmental taxes, and other similar charges
  • Consumables such as fuel, charging, batteries, diesel exhaust fluid (AdBlue), coolant, engine oil, brake fluid, snow chains, snow tires, and other similar expenses
Improper vehicle operation
  • Connection of high-power devices to the vehicle's power outlet
  • Commercial use of the vehicle: transportation of passengers or goods
  • Unreported insurance claims: reimbursement requests made after repairs without filing an official claim
  • Negligent vehicle operation (including implied intent): driving with depleted or frozen fuel, or improper shifting of a manual transmission
  • Other hazardous or unlawful acts and resulting vehicle sanctions: driving without a valid license, driving under the influence of alcohol or drugs, participating in motor racing, off-road driving, or operation by unauthorized drivers