Car Insurance Agreement Template for Germany

1. Comprehensive Coverage (Vollkasko): Additional section for comprehensive coverage, including damage to own vehicle - used when policyholder opts for full coverage

2. Partial Coverage (Teilkasko): Section for partial coverage including theft, fire, etc. - used when policyholder selects this option

3. No-Claims Bonus System: Details of the bonus-malus system - included when the policy includes a no-claims discount feature

4. Additional Drivers: Provisions for additional authorized drivers - included when multiple drivers are to be covered

5. International Coverage: Terms for insurance coverage abroad - included for policies with international validity

6. Special Equipment Coverage: Coverage for non-standard vehicle equipment - used when the vehicle has special modifications or valuable additions

7. Breakdown Assistance: Terms of roadside assistance coverage - included if this additional service is selected

8. Legal Protection Insurance: Additional legal coverage terms - included when legal protection insurance is added to the policy

1. Schedule A - Vehicle Details: Detailed information about the insured vehicle including make, model, year, registration number, and value

2. Schedule B - Premium Calculation: Detailed breakdown of premium calculation including all factors affecting the premium

3. Schedule C - Coverage Limits: Specific monetary limits for different types of coverage and deductibles

4. Schedule D - Bonus-Malus Classification: Current no-claims bonus level and impact on premium

5. Appendix 1 - Claims Procedure Guide: Step-by-step guide for filing claims and required documentation

6. Appendix 2 - Authorized Repair Shops: List of approved repair shops for claim repairs

7. Appendix 3 - Insurance Certificate: Official insurance certificate (Versicherungsschein) as required by German law

8. Appendix 4 - General Insurance Terms: Standard terms and conditions (Allgemeine Versicherungsbedingungen) as required by German insurance law