Volunteering & Staff
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Yes, in principle, private motor third-party liability insurance also applies to volunteer citizen call services when private vehicles are used free of charge and without a commercial character. However, since insurers may distinguish between occasional rides, organized transport services, and regular passenger transport, all members of the driving team should obtain written confirmation from their insurance company in advance. Additionally, supplementary coverages such as driver accident insurance, business travel comprehensive insurance, or association liability insurance are recommended.
You will find comprehensive information on this topic in the following document
Versicherungsleitfaden (3.2 MB)
The key sections in the document
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In the table on page 3, under “Damage to a private car used for traffic by the active member”, it explicitly states: “Motor third-party liability TK/VK” → This shows that the standard motor third-party liability insurance of the private vehicle is initially responsible.
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On page 5, it is explained: “Motor insurance covers personal and property damage caused by the use of a motor vehicle …”
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Particularly important is page 8 regarding the “Business Travel Vehicle Insurance”: It explicitly describes that volunteer trips with a private car are generally possible and that additional coverages are only sensible as a supplement.
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The guide also states: “This can be transferred to the volunteer sector and therefore also applies to the transport of persons with one’s own car within the framework of a citizen transport service.”
Nevertheless, our clear recommendation:
Please obtain a short written confirmation from your insurance company, for example:
“The use of my privately insured vehicle within the framework of a volunteer citizen transport service without commercial profit-making is covered under my motor third-party liability insurance.”