Arrive safely at your destination
Overview
Every driver simply wants to be mobile at all times. Traffic accidents happen faster than you think. In the event of a breakdown, accident or theft, fast help and financial protection are what count. That makes it all the more important to have car insurance you can rely on. dialog’s vehicle insurance provides just that.
Supplementing liability insurance with comprehensive insurance and attractive additional benefits offers additional security.
Strong benefits in premium protection
- NEW: 24 months new price and purchase price compensation for passenger cars instead of the previous 18 months
- NEW: with the motor insurance policy, personal benefits apply worldwide when traveling abroad
- NEW: in the event of total loss or vehicle disposal, up to 2 % discount on the new or purchase price.EUR 000 in fully comprehensive cover if the new car has an environmentally friendly drive system
- NEW: extended benefits and 10% discount on the insurance premium for electric and plug-in hybrid cars even without E-plates
- NEW: discount protection for every claim protection against SFR downgrading (SFR: no-claims bonus)
- NEW: in the partial cover insurance, vehicle damage is also insured if uninsured contents are stolen
- Animal bite and short-circuit damage are covered up to 5.EUR 000 insured
- If vehicle keys are stolen, dialog will reimburse the costs
- in the event of broken glass, dialog reimburses the cost of environmental stickers and freeway vignettes
- Benefit update guarantee – future non-contributory benefit enhancements are automatically included
- Motor insurance for rapid assistance in the event of a breakdown or accident without minimum distance requirement
- second car reclassification up to SF 3 insured
The right solution
Motor vehicle liability insurance is mandatory in germany. Partial or fully comprehensive insurance extends protection. dialog offers the tariff variants classic and premium (illustration with product modules premium).
Film off: car insurance
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This sales support information only gives an overview of the possible contract contents. The specific insurance coverage is determined by the individual contract documents, in particular the insurance policy and the underlying general terms and conditions of insurance.
In dialogue
Mo. Until fr. 8:00 – 18:00 hrs
In the event of a claim
Claims reporting around the clock, 365 days a year
claims information mo. Until fr. 8:00 a.m. – 7:00 p.m
Find out about our damage tracking service
You want additional car drivers insured free of charge for a maximum of 30 days per calendar year?
You would like to have servicecard or a international insurance card request for motor traffic?
Overview of benefits
In dialog
Mo. Until fr. 8:00 – 18:00
In case of damage
Claims reports around the clock, 365 days a year
Claims information mo. Until fr. 8:00 – 19:00
Find out about our damage tracking service
You would like additional car driver Coinsurance free of charge for a maximum of 30 days per calendar year?
You would like servicecard or a international insurance card request for motor traffic?
Practice
a thief damages the car
A thief breaks into the car and steals the backpack from the back seat.
If vehicle damage occurs because uninsured contents have been stolen, dialog will pay the costs in the partial cover insurance.
The modern replacement vehicle with an environmentally friendly drive system
After a total loss of the old gasoline-powered vehicle, the customer buys a contemporary replacement vehicle with an environmentally friendly drive system.
In the event of a total loss or the disposal of a vehicle, dialog will reimburse up to 2 % of the additional costs incurred for the purchase of a modern replacement vehicle with an environmentally friendly drive system.000 EUR. This applies if the replacement vehicle is more expensive than the previous vehicle with an internal combustion engine due to the drive system.
A marten bites through some cables on the electric car
A marten bites through some cables on the vehicle and severely damages the battery.
For electric and plug-in hybrid vehicles, dialog also covers the costs of consequential damage to the battery up to 20.EUR 000 less the contractually agreed deductible.
In dialogue
Mo. Up to fr. 8:00 – 18:00
In case of damage
Claims reporting around the clock, 365 days a year
Damage information mo. Up to fr. 8:00 – 19:00
Find out about our damage tracking system
You would like additional car drivers for a maximum of 30 days per calendar year free of charge?
You would like to have servicecard or a international insurance card request for motor transport?
additional modules
For individual all-round protection, simply select the appropriate modules.
For cars, the tariff variants classic and premium are possible.
Additional modules for premium tariff
fully comprehensive insurance PLUS
The fully comprehensive cover offers the comprehensive cover of the fully comprehensive insurance – and in addition an extended scope of coverage.
- In the event of a total loss or vehicle disposal, we will pay up to an additional 2.EUR 000 if the new car has a more environmentally friendly drive system
- 36 months new value and purchase price compensation
- Brake damage, operational damage and breakage are also insured (BBB damage)
- Tire damage is also insured
- Consequential damage caused by animal bites and short-circuits is insured for an unlimited amount (up to the replacement value)
- Replacement of mobile navigation devices without deductible
- repair of parking/small damage
- Payment of a reduction in value in the event of damage from 1.EUR 000 net for up to four years from initial registration
It is particularly advisable to take out the fully comprehensive cover for new, higher-value vehicles.
- Comprehensive insurance in premium tariff variant
Discount protection
Discount protection helps customers retain their no-claims bonus in the event of a claim.
Customers are protected against a SFR downgrade for any motor liability or fully comprehensive claim during the entire term of the contract.
- At least no-claims class 1
GAP coverage
GAP coverage is provided when customer
- One vehicle leased
- Or have credit-financed.
It pays in the event of additional claims by the lessor or lender in the event of a
Fully comprehensive insurance reimburses the current value of the vehicle. GAP coverage is the difference to the usually higher settlement value of the lease/credit agreement with fixed maximum compensation limits.
- Fully comprehensive insurance in premium tariff variant
Animal bite and short-circuit claims
With the additional animal bite and short-circuit damage module, customers are well covered if consequential damage, for example to the engine, occurs after an animal bite or short-circuit.
Consequential damages are reimbursed due to:
- Animal bite up to 10.000 EUR
- Short circuit on aggregates up to 10.000 EUR
- Comprehensive insurance in premium tariff variant
Additional modules for premium and classic tariff variants
Motor insurance
Motor insurance
fast and competent assistance in the event of an accident or breakdown.
Motor insurance with accident reporting service
proven benefits of the motor insurance policy including accident reporting service (UMD). The automatic emergency call system offers customers a modern "more" safety.
There is no minimum distance from the place of residence for benefits in the motor insurance policy
Workshop servicePLUS
With workshop serviceplus and the claims hotline, customers have a direct line to one of dialog’s certified partner workshops in the event of a collision.
Advantages for the customer:
- Repair shop search and processing are covered
- In the event of damage in excess of EUR 500, the vehicle is collected and returned
- A replacement vehicle is provided.
- The parts used for the repair are covered by a six-year warranty.
If you take out workshop serviceplus, the premium for comprehensive cover is reduced by 10%.
- Comprehensive insurance
- Mandatorily included in tariff variant klassik
DriverPLUS including foreign damage cover
Fahrerplus protects all authorized drivers from the financial consequences of an accident, even in the event of their own fault, contributory negligence or force majeure.
All passengers can also make a claim if the accident was caused by force majeure:
- Income protection
- survivor protection for the family
- compensation for pain and suffering and legal fees
With the integrated foreign damage protection, the customer receives the same compensation benefits in the event of accidents abroad (EEA) for which he is not at fault as in germany.
This also applies if the customer’s vehicle is damaged in germany by a foreign vehicle.
driverplus also applies to rental cars abroad, which are rented by carsharing.