Carrier liability policies · 9 min read

Jakub Wujec

Last reviewed: 8 September 2026

How to check an Allianz Esa carrier liability policy

On an Allianz Esa “Versicherungsbestätigung” (confirmation of cover), read “Versicherungsnehmer” (policyholder) and “Versicherungsscheinnummer” (policy number), then the year in “VERSICHERUNGSBESTÄTIGUNG FÜR DAS JAHR” (confirmation for the year). “Vertragsbeginn” (contract start) can be older than that year. The “WICHTIGER HINWEIS” (important note) box excludes motor vehicle liability. You cannot look the file up by number online: confirm it through allianz-esa.de/ansprechpartner-finden.

This is an independent Certica tutorial. It was not written or approved by Allianz Esa. The document shown is not a live insurance policy.

What the document can confirm, and what it cannot

Check an Allianz Esa policy in two stages. First read the document and compare it with the booking. If the rate, the cargo or the file looks wrong, send a request through the contact page on allianz-esa.de/ansprechpartner-finden. The Declaration Manager on allianz-esa.de issues certificates for Allianz Esa customers, not for an outside forwarder.

The screenshots are a German Allianz Esa form. Match the printed labels. Each German field name in this walkthrough is followed by the English meaning in brackets.

OCP is the Polish label for carrier liability for goods in transit, also called CMR insurance or cargo liability. On an Allianz Esa form the product line is “Güterschaden-Haftpflichtversicherung gemäß § 7 a des Güterkraftverkehrsgesetzes” (goods-damage liability under section 7a of the German road-haulage act) inside a “LOGISTIK-VERSICHERUNG” (logistics insurance). It is not vehicle MTPL. The “WICHTIGER HINWEIS” box says so. Check Polish plates in UFG. A company record in the Handelsregister is not carrier verification.

What the first page of an Allianz Esa policy looks like

Numbers 1 to 5 on the graphic are the “Versicherungsbestätigung” (confirmation of cover) title, the “Versicherungsnehmer” (policyholder) block, “Versicherungsscheinnummer” (policy number), “Vertragsbeginn” (contract start) and the “WICHTIGER HINWEIS” (important note) box. Step 6 is the “HÖCHSTVERSICHERUNGSSUMME / MAXIMA” (maximum sums) table, not a vehicle list. Step 7 is confirmation outside the document. The printed labels are in German. Each step quotes those words and gives the English meaning in brackets.

First page of a sample Allianz Esa Versicherungsbestätigung with steps 1 to 5 on the title, Versicherungsnehmer, policy number, Vertragsbeginn and the WICHTIGER HINWEIS box — Sample fragment of an Allianz Esa carrier liability policy. All names, numbers, values and cover details were changed for this tutorial.

How to check an Allianz Esa carrier liability policy step by step

Step 1. Subject of insurance

On the first page find the title “Versicherungsbestätigung” (confirmation of cover) with the line “Confirmation of Cover”. That letter is for § 7 a GüKG (the German road-haulage act). It is not the full Versicherungsschein (insurance policy).

On the next page read “VERSICHERUNGSBESTÄTIGUNG FÜR DAS JAHR” (confirmation for the year) and “LOGISTIK-VERSICHERUNG für die laufende Versicherung für Frachtführer, Spediteure, Lagerhalter und Logistiker” (logistics insurance for carriers, forwarders, warehouse keepers and logistics operators). A carrier-liability title is not enough. This product covers three contract types at once.

LOGISTIK-VERSICHERUNG header with PRZYKLAD-01 and Versicherungsnehmer (policyholder) on a sample Allianz Esa confirmation for 2026 — Sample fragment of an Allianz Esa carrier liability policy. All names, numbers, values and cover details were changed for this tutorial.

Step 2. Insured party

Find “Versicherungsnehmer” (policyholder, the party to the contract on this form). Compare the full legal name and address with the booking and the current company record.

An English Allianz Esa certificate can list “COMPANIES INCLUDED”. A company on that list does not replace the German GmbH on page 1 of a different file. Base the decision on the name in the booking, not on the name in the email.

Step 2: Versicherungsnehmer (policyholder) block on a sample Allianz Esa confirmation of cover — Sample fragment of an Allianz Esa carrier liability policy. All names, numbers, values and cover details were changed for this tutorial.

Watch this

This “Versicherungsbestätigung” (confirmation of cover) has no separate insured box. The contract party is “Versicherungsnehmer” (policyholder). A policy issued to another group company needs an explanation before loading.

Step 3. Policy number and period

Write down “Versicherungsscheinnummer” (policy number) exactly as it stands in the confirmation sentence. This sample prints one obviously fake number. A live Allianz Esa file can show a pair, AS- and VKH-. Record both when both are on the page.

Read “Der Vertragsbeginn ist der” (the contract start is). That date is not the year in “FÜR DAS JAHR”. On this form the contract starts on 01.01.2024 and the confirmation is for 2026. The dates must cover loading, the haul and the planned unloading.

Steps 3 and 4: Versicherungsscheinnummer (policy number) PRZYKLAD-01 and Vertragsbeginn (contract start) on a sample Allianz Esa confirmation of cover — Sample fragment of an Allianz Esa carrier liability policy. All names, numbers, values and cover details were changed for this tutorial.

Step 4. Sum, territory and deductible

The sentence “Güterschaden-Haftpflichtversicherung gemäß § 7 a des Güterkraftverkehrsgesetzes” (goods-damage liability under section 7a GüKG) tells you which product the letter confirms. The cash limits sit in “HÖCHSTVERSICHERUNGSSUMME / MAXIMA” (maximum sums).

Open “GELTUNGSBEREICH” (scope of application). “Verkehrsverträge” (transport contracts) can be worldwide. “Lagerverträge” (warehousing contracts) only in the EEA and Switzerland. “Frachtverträge im Straßengüterverkehr” (road contracts of affreightment) are geographic Europe, Mediterranean-border states and Cyprus. Do not copy worldwide onto a UK cabotage haul or a warehouse outside the EEA.

Step 4: GELTUNGSBEREICH (scope of application) with separate territories for Verkehrsverträge, Lagerverträge and Frachtverträge on a sample Allianz Esa confirmation — Sample fragment of an Allianz Esa carrier liability policy. All names, numbers, values and cover details were changed for this tutorial.

Step 5. Cargo and clauses

On the first page open the box “WICHTIGER HINWEIS” (important note). The document “gilt nicht für die Kraftfahrt-Haftpflichtversicherung” (does not apply to motor vehicle liability) and “gilt ausschließlich für die Güterschaden-Haftpflichtversicherung gemäß § 7 a GüKG” (applies exclusively to goods-damage liability under section 7a GüKG). This is not tractor or trailer MTPL.

On the VERSICHERTE HAFTUNG (insured liability) page check the bases: HGB §§ 407-452 d (carriage), §§ 453-466 (forwarding), CMR, ADSp, VBGL. An increase to 40 SDR/kg under § 449 HGB is insured. Other countries’ law, when those conventions cannot be invoked, stops at 8.33 SDR/kg for damage to goods. Courier parcels (KEP) have a 1,000 EUR per-package cap when the AGB says so.

Step 5: WICHTIGER HINWEIS (important note) box excluding Kraftfahrt-Haftpflichtversicherung (motor vehicle liability) on a sample Allianz Esa confirmation of cover — Sample fragment of an Allianz Esa carrier liability policy. All names, numbers, values and cover details were changed for this tutorial.

Step 6. Maximum sums instead of a vehicle list

This form has no plate annex. Step 6 is “HÖCHSTVERSICHERUNGSSUMME / MAXIMA” (maximum sums). Read “für Frachtverträge” (for contracts of affreightment), “für Speditionsverträge” (for forwarding contracts) and “für Lagerverträge” (for warehousing contracts) as separate rows. On this form “Güterschaden” (damage to goods) is 3,000,000 EUR, “Güterfolgeschaden” (consequential loss) 500,000 EUR, “reiner Vermögensschaden” (pure financial loss) 500,000 EUR.

“Schadenereignis” (loss event) is 6,000,000 EUR. “Jahresmaximum” (annual maximum) is 10,000,000 EUR. Do not copy the 3 million onto consequential loss, or onto one event with several claimants.

Step 6: HÖCHSTVERSICHERUNGSSUMME / MAXIMA with separate limits for Güterschaden, Güterfolgeschaden and Vermögensschaden on a sample Allianz Esa confirmation — Sample fragment of an Allianz Esa carrier liability policy. All names, numbers, values and cover details were changed for this tutorial.

Step 7. Official confirmation

Allianz Esa has no public policy-number search. Open allianz-esa.de/ansprechpartner-finden. Transportversicherungen has its own service number on that page. Do not use a phone number that appears only in the carrier’s email.

The confirmation says the insurer assumes no duty to third parties and does not have to report a change or an ending of the contract. A 2026 PDF does not prove that the contract is still live on the loading date.

Limits most often missed on Allianz Esa policies

Vertragsbeginn is not the year in the title

The title “VERSICHERUNGSBESTÄTIGUNG FÜR DAS JAHR 2026” is the year of the confirmation letter. “Der Vertragsbeginn ist der” can be several years older. On this form 01.01.2024 next to a 2026 confirmation.

Compare both dates with the booking. The year in the title does not say when the contract began, or whether this year’s premium was paid.

LOGISTIK-VERSICHERUNG is not carrier liability alone

The header names Frachtführer, Spediteure, Lagerhalter und Logistiker. Frachtvertrag, Speditionsvertrag and Lagervertrag have separate MAXIMA rows and separate territory in GELTUNGSBEREICH.

A forwarding or warehousing booking is not covered by the Frachtverträge row alone. Read the matching block, not only the LOGISTIK title.

Three MAXIMA limits, not one sum

Güterschaden, Güterfolgeschaden and reiner Vermögensschaden stand apart, then again for Fracht, Spedition and Lager. 3,000,000 EUR for damage to goods does not move onto 500,000 EUR of consequential loss.

The 6,000,000 EUR event cap and the 10,000,000 EUR annual cap close the payout when several parties claim. Extra carriage costs / misdirection sit at 50,000 EUR, salvage at 100,000 EUR.

GELTUNGSBEREICH splits road, warehouse and the rest of the world

Worldwide applies to “versicherte Verkehrsverträge” (insured transport contracts). Road: geographic Europe, Mediterranean-border states and Cyprus. Warehouse: EEA and Switzerland.

Cabotage outside that description, a UK warehouse or a road haul outside geographic Europe needs another line. The worldwide title does not buy it.

Fremde Einheiten is the trailer or container, not the tractor

The block “Fremde Einheiten” (third-party units) covers “Anhänger” (trailers), “Auflieger” (semi-trailers), chassis, containers and “Wechselbrücken” (swap bodies). It excludes “LKW” (trucks) and “Sattelzugmaschinen” (tractor units). It also excludes rented or leased units, scratches and corrosion.

The limit is 100,000 EUR per unit, 300,000 EUR per year, “Selbstbeteiligung” (deductible) 500 EUR. That is not the cargo sum.

Fremde Einheiten (third-party units) block with a 100,000 EUR limit, 300,000 EUR annual cap and 500 EUR Selbstbeteiligung (deductible) on a sample Allianz Esa confirmation — Sample fragment of an Allianz Esa carrier liability policy. All names, numbers, values and cover details were changed for this tutorial.

40 SDR/kg does not replace 8.33 SDR outside the conventions

VERSICHERTE HAFTUNG insures an increase to 40 SDR/kg under § 449 or § 466 HGB. CMR and HGB stay. When another country’s law applies and those conventions cannot be invoked, damage to goods falls to 8.33 SDR/kg.

KEP: the AGB can raise liability to 1,000 EUR per parcel only when that wording is inside the cover. Do not guess the limit from the LOGISTIK title.

How to decide after you have read the policy

Check result and next step
Check result	What it means	Next step
Versicherungsnehmer, number, dates, GELTUNGSBEREICH and the Frachtverträge row match the booking	The document fits the planned haul	Record the result and run the remaining carrier checks
A different name in Versicherungsnehmer	The confirmation may belong to another legal entity	Hold the decision and ask for an explanation or the right file
The year in FÜR DAS JAHR does not cover loading, or Vertragsbeginn is after unloading	A 2026 letter does not replace cover on the travel date	Ask for a current confirmation and contact allianz-esa.de before loading
The road route is outside geographic Europe, and GELTUNGSBEREICH only lists Europe, the Mediterranean and Cyprus	Worldwide does not buy every Frachtvertrag	Look for another territorial line or another document, then confirm on allianz-esa.de
The booking is forwarding or warehousing, and you only read the Frachtverträge row	LOGISTIK has three separate limits	Read Speditionsverträge or Lagerverträge and their territory
You received only the first page of the letter, without MAXIMA and without GELTUNGSBEREICH	The file is incomplete	Ask for the full confirmation for that year and contact allianz-esa.de/ansprechpartner-finden

What a PDF check does not confirm

How to read an Allianz Esa Versicherungsbestätigung is a different question from how to confirm that the contract is still current. Reading the file lets you judge the declared scope. It does not open the insurer’s live record.

The PDF can be old, altered or incomplete.
A signature and a logo do not prove authenticity on their own.
The insurer states that the confirmation creates no duty to tell third parties about a change or an ending of the contract.
Güterschaden-Haftpflicht does not confirm vehicle MTPL, the licence or the company status.
A final view on whether the cover is adequate can still need a broker, the insurer or a lawyer.

Keep this in mind

The PDF alone does not prove that the contract was not later changed, ended or narrowed by an addendum.

Don’t want to analyse every policy by hand?

Certica analyses the carrier liability policy you send, in any language. It reads the insured party, the period, the document type, territorial scopes, sums and named cargo categories.

Check the carrier whose policy you are reading

Official sources

FAQ

Can I check an Allianz Esa carrier liability policy online by number?

No. Allianz Esa has no public search by number. Request a copy or the contract terms through allianz-esa.de/ansprechpartner-finden. Declaration Manager is a customer tool, not a tool for an outside forwarder.

Is an Allianz Esa carrier liability policy the same as vehicle MTPL?

No. The Versicherungsbestätigung is Güterschaden-Haftpflicht under § 7 a GüKG. The WICHTIGER HINWEIS box excludes Kraftfahrt-Haftpflichtversicherung. Vehicle MTPL is a separate check. For Polish plates use UFG.

Where is the sum insured on an Allianz Esa policy?

In the HÖCHSTVERSICHERUNGSSUMME / MAXIMA table. Güterschaden, Güterfolgeschaden and Vermögensschaden stand apart for Frachtverträge, Speditionsverträge and Lagerverträge. The event cap and the annual cap sit below.

Which Allianz Esa dates should I compare with the booking?

The year in VERSICHERUNGSBESTÄTIGUNG FÜR DAS JAHR must cover the haul. Vertragsbeginn is the contract start, often older. A 2024 start does not prove cover in 2026 without a current confirmation.

Does Allianz Esa print cabotage as a separate cell?

No. This form has no separate cabotage amount. Road territory sits in GELTUNGSBEREICH: geographic Europe, Mediterranean-border states and Cyprus. Outside that wording look for another line.

How is Frachtvertrag different from Speditionsvertrag on an Allianz Esa policy?

Frachtvertrag is the contract of carriage, the carrier-liability layer. Speditionsvertrag is the forwarding contract. Lagervertrag is warehousing. Each has its own MAXIMA row and its own territory.

Does a vehicle list restrict an Allianz Esa policy?

The confirmed Versicherungsbestätigung has no plate list. The limits come from MAXIMA, GELTUNGSBEREICH and the Fremde Einheiten block, not from a vehicle annex.