Motor liability insurance may compensate for the rental costs of a substitute vehicle if the need for a substitute vehicle is considered well grounded, e.g. due to the person's profession.

Motor liability insurance covers 94% of the total rental cost of a substitute vehicle. The compensable rental costs do not include the excess elimination fee paid for the risk of damage. In addition to compensating the rental costs, no other compensation for period of non-use is paid for the rental period.

The remaining share, i.e. 6% of the rental costs corresponds, on average, to savings in the vehicle's operation costs during the vehicle's period of non-use.

The rental costs of a vehicle substituting a maintenance lease vehicle are paid in full.