Motor liability insurance must be taken for the following:
- Motorbikes and motocross bikes
- Motorised bicycles (read more: Light electric mobility devices)
- Power-driven work machinery
- Semi-trailers and trailers
- Caravan trailers
- Lightweight trailers
As a rule, the obligation to take out motor liability insurance also pertains to a vehicle that need not be registered.
If a vehicle is registered for use in traffic, it must be covered by a valid motor liability insurance. If a vehicle has been decommissioned, it cannot be used at all.
If the obligation to insure is not observed for a vehicle, the use of the vehicle is be prohibited, meaning that it be cannot used in traffic. If the vehicle is used, the police is permitted to take off its licence plates. The annual vehicle inspection cannot be carried out on an uninsured vehicle.
Voluntary comprehensive insurance policy may be taken out to increase the scope of the insurance. Depending on the scope of the comprehensive insurance, it covers the damage to the car of the party causing the accident or, for instance, damage caused on a parking lot or malicious damage.
Your insurance company will be able to give you advice regarding comprehensive insurance.
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