Insurance solutions
"Our insurance solutions offer you full protection with a combination of individual financing and a suitable insurance product."

Modular insurance means tailor-made protection

Insurance title image Your insurance solutions

One point of contact: so many possibilities

When it comes to vehicle insurance, MAN Financial Services offers outstanding flexibility – all thanks to its modular approach to insurance which allows numerous possible combinations. This means you can tailor your insurance solution to your individual requirements and needs. So only choose what you really need: MAN BasicCover*, MAN PremiumCover*, MAN PremiumGAP* and/or MAN KaskoAirbag*.

* Risk carriers for the products: HDI Global SE, Allianz Versicherung AG, Cardif Allgemeine Versicherung and Covea Affinity, a brand of MMA IARD Assurances.

KaskoAirbag insurance

Reach your destination safely with modular insurance

MAN Financial Services never fails to impress thanks to its incredibly smart insurance concept – solutions that can be customised flexibly and precisely. As a result, you can benefit from a wide range of individual modules:

MAN BasicCover* provides solid, reliable insurance for your vehicle, ensuring you're well protected if you need to make a claim, despite all the inconvenience. This extensive basic package contains all the key elements so that you can focus on your business, safe in the knowledge you're being well cared for.

Customers looking for extras for their vehicle insurance will find the perfect choice in MAN PremiumCover*. This first-class, all-round package covers all eventualities if you need to make a claim, with all the benefits of MAN BasicCover* plus some additional modules.

  MAN BasicCover* & MAN PremiumCover* MAN PremiumCover*
Third-party insurance EUR 100 million of cover for personal injury and damage to property and assets (maximum of EUR 15 million per injured person)
  Vehicle environmental damage insurance
Partial cover Misappropriation (theft and robbery)
Glass breakage
Collision with animals
Fire and explosion
Natural hazards
Comprehensive cover Damage caused by the insured person
Malicious acts by third parties (vandalism)
Includes added value and special equipment
Inclusive Refund of 'value as new' for car and transporter write-offs
Extended cover   Recovery and towing costs
Operating damage, brake damage and simple breakages
Theft of vehicle keys
Transport on ferries and ships


  • Cover plan possible for courier, express and parcel services (CEP)
  • Fleet solution possible: Do you have a fleet of more than 20 vehicles? We have an attractive insurance solution for this too, tailored perfectly to your needs.

* Insurers/risk carriers for the products: HDI Global SE, HDI-Platz 1, 30659 Hannover, Germany, Allianz Versicherung AG, Global Automotive, Königinstrasse 28, 80802 München, Germany, brokered by MAN Financial Services GmbH. The general and special insurance terms and conditions of the insurer in question apply.

PremiumCover insurance

Top protection for total losses

Anyone who’s had an accident will be familiar with the dilemma: usually, comprehensive insurance pays out only the current value of the vehicle in the event of a write-off or total loss. For newer vehicles particularly, the amount reimbursed is often well below the redemption value in the financing contract. MAN PremiumGAP* closes this gap, making it the perfect complement to comprehensive insurance.


  • Pro-rata cover for advance payment from your financing contract
  • Cover for the excess from comprehensive insurance
  • Minimum payment: In the event of a claim, you will receive at least EUR 1000 regardless of the outstanding financing amount.

Graphic: MAN PremiumGAP

* Insurer is Cardif Allgemeine Versicherung, German branch of Cardif-Assurances Risques Divers S.A., Paris, Friolzheimer Strasse 6, 70499 Stuttgart, Germany. The general insurance terms and conditions of Cardif Allgemeine Versicherung apply.

PremiumGAP insurance

Effective all-round excess protection

MAN KaskoAirbag* acts like an airbag for your comprehensive insurance cover. Keep your MAN vehicle insured at a reasonable price, and in the event of damage, MAN KaskoAirbag* cushions your excess, covering up to EUR 1000. The perfect complement to your existing comprehensive insurance:


  • Refund of up to EUR 1000 of the excess on your comprehensive insurance if you cause accidental damage to your own vehicle for which the insurer is liable to pay compensation, where the total damage amounts to at least EUR 3000 net and where you have the repairs carried out within the MAN service network in Germany
  • Available for all MAN trucks – no matter which insurer you use for your vehicle’s comprehensive insurance
  • Professional repairs in the MAN service network in Germany using MAN Genuine Parts
  • Cover for up to two loss events per year
  • Payouts are made to you directly after your comprehensive insurance company has compensated the damage

* Insurer/risk carrier for the products is Covea Affinity, a brand of MMA IARD Assurances Mutuelles and MMA IARD S.A., 14 Boulevard Marie et Alexandre Oyon, 72030 Le Mans Cedex 9, France. The general insurance terms and conditions of Covea Affinity apply. Represented in Germany by Maxxogon Assekuradeurgesellschaft mbH, head office in Regensburg.

Insurance contact

Would you like a personal quotation, do you have questions about a product or an existing contract, or do you want to report a claim? If so, please get in touch with your MAN Financial Services contact partner.

Sebastian Kehr
+49 (0)89 454520-503

Or write to us at:

Claims hotline

+49 (0)1802 158000*/+49 (0)1802 158015*

MAN Financial Services recommends you have your damage repaired at the following service centres: MAN service centres (85 KB, PDF)

Please click here to find a MAN workshop near you.

* EUR 0.06 per call from a Deutsche Telekom AG landline, maximum of EUR 0.42 per minute from mobile networks. Other charges may apply for calls from other landline networks.