Inadmissibility of Asserting Deductible Against Third-Party Claims

In plain language

Your liability insurance may include a deductible, but the deductible cannot be used to reduce what an injured third party can claim.

Requirement as structured

Agreeing a deductible borne by the policyholder is permitted. However, the deductible cannot be asserted against the third party's claim.

Original regulatory text

Die Vereinbarung eines Selbstbehaltes des Versicherungsnehmers ist zulässig. Der Selbstbehalt kann dem Anspruch des Dritten jedoch nicht entgegengehalten werden.

Applies when

country

Germany

regulatory category

General