Casco (own-damage car insurance) — Austria

[1] Own damage: Conditional ↩

Available only in the MAX (Vollkasko) tier: covers damage to the insured vehicle caused by accident, i.e. a sudden externally-acting mechanical event, including self-inflicted (at-fault) accidents and gross negligence (except theft/burglary). Deductible is either EUR 390 or EUR 600, reduced to EUR 300 if Allianz Werkstatt-Service is selected.

[2] Total loss: Covered ↩

For PLUS, EXTRA and MAX casco contracts: if the vehicle is destroyed, not recovered within one month of loss, or repair cost plus residual value exceeds the replacement value, Allianz pays the replacement value (Wiederbeschaffungswert) for an equivalent vehicle of the same type, quality and wear condition. No fixed monetary cap is stated; the amount is the vehicle's replacement value at the time of loss.

[3] Partial loss: Covered ↩

For PLUS, EXTRA and MAX casco contracts: if no total loss occurs, Allianz pays the repair costs, transport costs for parts, and recovery/towing costs to the nearest suitable workshop, minus any agreed deductible. Old parts (including the wreck) remain the policyholder's property and their common value is deducted.

[4] Theft & robbery: Conditional ↩

Included from the EXTRA (Teilkasko) tier upward (also in PLUS/MAX): covers damage, destruction or loss of the insured vehicle and its parts through theft, robbery, or unauthorised use by persons outside the household/business. On theft, the policyholder is entitled to a replacement vehicle for a maximum of 6 days.

[5] Glass damage: Conditional ↩

Included from the EXTRA (Teilkasko) tier upward (also in PLUS/MAX) for passenger cars, station wagons and trucks up to 1 tonne payload: covers breakage of windscreen, side and rear windows regardless of cause, but only on a repair basis (no estimate-based/fictional settlement) if the damage is only part of the overall claim. Replacing a damaged windscreen at Carglass reduces the agreed deductible by up to EUR 200 (EUR 100 via Carglass plus up to EUR 100 via Allianz), promotional period 1 Jan–31 Dec 2026.

[6] Natural perils: Covered ↩

Included in all casco tiers (PLUS, EXTRA, MAX): covers damage, destruction or loss through lightning, rockfall, landslide, avalanche, snow pressure, hail, high water/flooding and storm (wind of more than 60 km/h), including damage from objects thrown onto the vehicle by these forces, as well as fire, explosion, and collision with game animals on public roads.

[7] Vandalism: Conditional ↩

Included from the EXTRA (Teilkasko) tier upward (also in MAX): covers damage, destruction or loss caused by malicious or mischievous acts of persons outside the household/business, and collisions caused by unknown vehicles while parked.

[8] Roadside assistance: Covered ↩

Kfz-Assistance (Erweitert) is bundled with the PLUS, EXTRA and MAX casco contracts (basic assistance already comes with the COMFORT liability-only contract) and includes on-site help, towing, mobility assistance and an information service across the European geographic scope, including the EU's non-European territories.

[9] Replacement vehicle: Conditional ↩

In case of theft, policyholders are entitled to a replacement vehicle for a maximum of 6 days. Separately, if the optional Allianz Werkstatt-Service add-on is selected and the vehicle is repaired at an Allianz-selected partner workshop, a free replacement car (passenger-car category) is provided for the entire duration of the repair.

[10] Driver accident: Covered ↩

PLUS, EXTRA and MAX bundle accident insurance for all occupants (driver and passengers) covering accidents during use, driving, and loading/unloading of the insured vehicle; the COMFORT liability-only contract covers the driver only. No fixed sum insured is disclosed in the public product sheets; the insured sum is stated in the policy certificate.

[11] Own damage: Conditional ↩

Damage to the insured vehicle caused by an accident/collision is covered only under the Comprehensive Casco (Vollkasko) variant; it is explicitly excluded ('Unfallschäden') under Partial Casco (Teilkasko) and Parking Damage Casco (Parkschadenkasko).

✓ Unfall

[12] Total loss: Covered ↩

If estimated repair costs plus residual value exceed the vehicle's current value, DONAU pays the current value less the residual value (total loss); the same applies if the vehicle is stolen or robbed and not recovered. Applies across Vollkasko, Teilkasko and Parkschadenkasko for the perils each variant covers. No fixed sum insured is stated in the IPIDs; it is set in the individual contract.

den aktuellen Wert des Fahrzeugs – abzüglich des Restwerts, wenn die Summe aus geschätzten Reparaturkosten und Restwert den aktuellen Wert übersteigen

[13] Partial loss: Covered ↩

DONAU reimburses repair costs for covered partial damage to the insured vehicle. Applies across Vollkasko, Teilkasko and Parkschadenkasko for the perils each variant covers; no fixed sum is stated in the IPIDs.

✓ Reparaturkosten

[14] Theft & robbery: Covered ↩

Covers theft, robbery or unauthorized use of the vehicle; DONAU pays the current value if the vehicle is stolen or robbed and not recovered. Included in all three retail variants (Vollkasko, Teilkasko, Parkschadenkasko).

Diebstahl, Raub oder unbefugter Gebrauch

[15] Glass damage: Covered ↩

Covers breakage of front, side, rear windows or panoramic glass roof, regardless of cause. Included in all three retail variants (Vollkasko, Teilkasko, Parkschadenkasko).

Bruch von Front-, Seiten-, Heckscheiben oder Panoramaglasdach

[16] Natural perils: Covered ↩

Covers damage from lightning, rockfall, landslide, avalanche, snow pressure, hail, flood, storm or roof avalanches. Included in all three retail variants (Vollkasko, Teilkasko, Parkschadenkasko).

Naturgewalten (Blitzschlag, Felssturz, Steinschlag, Erdrutsch, Muren, Lawinen, Schneedruck, Hagel, Hochwasser, Überschwemmungen, Sturm oder Dachlawinen)

[17] Vandalism: Conditional ↩

Covers parking damage or vandalism (malicious acts by third parties unrelated to the operation of the vehicle). Included in Comprehensive Casco (Vollkasko) and Parking Damage Casco (Parkschadenkasko); explicitly excluded under Partial Casco (Teilkasko).

Parkschäden oder Vandalismus (mut- oder böswillige Handlungen betriebsfremder Personen)

[18] Roadside assistance: Not applicable to this product ↩

Roadside assistance ('Pannenhilfe') is not part of the Casco IPIDs; it is offered as a feature of the DONAU MTPL (Kfz-Haftpflicht) product when the EUR 30 million liability sum is chosen, not as a Casco benefit.

Bei einer Versicherungssumme von 30 Millionen Euro ist die europaweite Pannenhilfe inkludiert.

[19] Replacement vehicle: See details ↩

DONAU's casco terms and conditions state affirmatively that the insurer does not reimburse the cost of a replacement car, for all variants (Vollkasko, Teilkasko, Parkschadenkasko).

Kosten eines Ersatzwagens ersetzt der Versicherer nicht.

[20] Driver accident: Not applicable to this product ↩

Personal accident cover for driver/passengers is not part of the Casco product; DONAU sells it as a separate Kfz-Unfallversicherung (driver/passenger accident insurance) product.

[21] Own damage: Covered ↩

Full Casco (Vollkaskoversicherung/Kollisionskasko) reimburses damage to the insured vehicle from self-caused accidents, in addition to everything covered under Partial Casco.

Bei einer Vollkaskoversicherung (Kollisionskasko-Versicherung) ersetzen wir zum Beispiel: alles, was in der Teilkaskoversicherung enthalten ist, sowie Schäden durch selbst verursachte Unfälle

[22] Total loss: Covered ↩

In case of total loss or loss of the vehicle, ERGO covers the expected restoration cost, or the replacement value less residual value, i.e. the amount needed to buy an equivalent vehicle in the same condition at the time of loss.

die voraussichtlichen Kosten der Wiederherstellung bei Totalschaden und bei Verlust den Wiederbeschaffungswert abzüglich des Restwertes Ihres Fahrzeuges.

[23] Partial loss: Covered ↩

Necessary repair costs following an insured casco claim are covered, together with necessary recovery and towing costs to the nearest workshop.

notwendige Bergungs- und Abschleppkosten bis zur nächsten Werkstätte; notwendige Reparaturkosten nach einem versicherten Kaskoschaden

[24] Theft & robbery: Covered ↩

Covered under Full Casco as part of the Partial Casco (Elementarkasko) benefits included in every Vollkasko policy, replacing damage from theft or robbery.

In der Teilkaskoversicherung (Elementarkasko-Versicherung) ersetzen wir zum Beispiel Schäden: bei Diebstahl oder Raub

[25] Glass damage: Covered ↩

Glass breakage damage to front, side and rear windows is covered as part of the Partial Casco benefits included within Full Casco.

Glasbruchschäden an Front-, Seiten- und Heckscheiben

[26] Natural perils: Covered ↩

Covers damage from natural hazards such as hail, storm, flooding, high water, lightning strike, rockfall, landslide, avalanches and snow pressure, as well as fire, explosion and collisions with wild game.

bei Naturgefahren wie Hagel, Sturm, Überschwemmungen, Hochwasser, Blitzschlag, Felssturz, Steinschlag, Erdrutsch, Lawinen und Schneedruck

[27] Vandalism: Covered ↩

Full Casco additionally covers damage caused by malicious acts of third parties (vandalism) and parking damage caused by an unidentified third-party vehicle (e.g. hit-and-run in a car park).

Schäden durch böse Absicht fremder Personen (Vandalismus); Parkschäden (wenn Sie zum Beispiel Ihr Auto auf einem Parkplatz abgestellt haben, und es wird durch ein fremdes Auto beschädigt und dessen Lenker begeht Fahrerflucht)

[28] Roadside assistance: Covered ↩

Necessary recovery and towing costs to the nearest workshop following an insured event are covered.

notwendige Bergungs- und Abschleppkosten bis zur nächsten Werkstätte

[29] Replacement vehicle: See details ↩

A free loan car is provided when a casco claim is repaired through ERGO's partner Kfz Pflaster; no replacement-car benefit otherwise.

kostenloses Leihauto

[30] Driver accident: See details ↩

Not part of casco; available as an optional add-on (Lenker-Unfallversicherung, up to EUR 100,000 for loss of earnings, pain and suffering or care; occupant accident cover also available).

Die Lenker-Unfallversicherung hilft bei Verletzungen durch selbstverschuldete Verkehrsunfälle. Sie zahlt bis 100.000 Euro für Verdienst-Entgang, Schmerzens-Geld oder Pflege. Sie gilt für alle berechtigten Lenker des Fahrzeugs.

[31] Own damage: 100% of insured sum ↩

Vollkasko covers damage to the insured vehicle from accident (an event acting suddenly and directly from outside with mechanical force), vandalism by third parties, and collision of the parked vehicle with an unknown vehicle, in addition to the Teilkasko perils. A deductible applies as agreed; in the standard Vollkasko many perils are covered without deductible, while in the 'Vollkasko mit durchgehender Selbstbeteiligung' variant the deductible applies to all perils.

durch mut- oder böswillige Handlungen betriebsfremder Personen; 1.2.6 darüber hinaus durch Unfall, das ist ein unmittelbar von außen plötzlich mit mechanischer Gewalt einwirkendes Ereignis; Brems-, Betriebs- und reine Bruchschäden sind daher nicht versichert.

[32] Total loss: 100% of insured sum ↩

In case of total loss (vehicle destroyed, stolen and not recovered within two months, or repair cost plus residual value exceeding replacement value), Generali pays the replacement value (Wiederbeschaffungswert), less any deductible. If the optional Neuwertklausel applies (vehicles not older than 6 months at contract inception), the purchase price is used instead of the replacement value during the first 48 months from first registration, on a declining percentage scale (100% up to 12 months, 85% up to 18, 80% up to 24, 70% up to 36, 60% up to 48 months).

Der Versicherer leistet jenen Betrag, den der Versicherungsnehmer für ein Fahrzeug gleicher Art und Güte im gleichen Abnützungszustand zur Zeit des Versicherungsfalles hätte aufwenden müssen (Wiederbeschaffungswert).

[33] Partial loss: 100% of insured sum ↩

For partial (non-total) loss, Generali pays repair costs, necessary spare-part transport costs, and recovery/towing costs to the nearest suitable workshop, less a betterment ('new for old') deduction on tyres, battery and paintwork during the first three years (no deduction at all for cars/estates/trucks up to 1.5t payload); EV/hybrid drive batteries are subject to a 10% deduction per operating year.

Von den Kosten der Ersatzteile und der Lackierung wird ein dem Alter und der Abnützung entsprechender Abzug (neu für alt) gemacht. Bis zum Ablauf des dritten Jahres ab erstmaliger Zulassung erfolgt ein Abzug nur bei Bereifung, Batterie und Lackierung.

[34] Theft & robbery: 100% of insured sum ↩

Theft, robbery or unauthorised use of the vehicle by persons outside the household is covered without a deductible in the standard Vollkasko, and with the agreed deductible (€375–€2,000) in the 'Vollkasko mit durchgehender Selbstbeteiligung' variant. Recovery costs after the vehicle is found are reimbursed up to 2% of the replacement value without deduction of any deductible.

durch Diebstahl, Raub oder unbefugten Gebrauch durch betriebsfremde Personen;

[35] Glass damage: Covered ↩

Breakage of windscreen, side and rear windows and glass roofs (for cars, estates and trucks up to 1.5t payload) is covered regardless of cause, with a fixed deductible of €375, optionally reducible by €150, or waived entirely if the glass is repaired rather than replaced (e.g. NOVUS method). Separate from this, an optional 'Kleinglasschutz' module covers breakage of headlight, indicator and mirror glass without deductible.

Bruchschäden an Windschutz-(Front)-, Seiten- und Heckscheiben sowie eines Glasdaches ohne Rücksicht auf die Schadenursache [(wahlweise Reduktion der Selbstbeteiligung um EUR 150,– möglich/bei Reparatur (NOVUS-Methode) entfällt die SB!]

[36] Natural perils: 100% of insured sum ↩

Damage from lightning, rockfall, landslide, avalanche, snow pressure, hail, flooding and storm (wind over 60 km/h), plus roof-avalanche damage, is covered with a fixed deductible of €375 (or the selected level up to €2,000 in the durchgehende-SB variant); the deductible can optionally be waived against a premium surcharge.

Naturgewalten: Blitzschlag, Erdrutsch, Felssturz, Steinschlag, Muren, Lawinen, Schneedruck, Hagel, Hochwasser, Überschwemmungen, Sturm über 60 km/h (wahlweise Entfall der Selbstbeteiligung möglich)

[37] Vandalism: 100% of insured sum ↩

Malicious or wilful acts by persons outside the household (vandalism) and damage to the parked vehicle from collision with an unknown vehicle are covered with a selectable deductible of €375–€2,000. A dedicated 'Parkschadenkasko' variant is also available covering only these perils plus the Teilkasko perils.

Die Vollkaskoversicherung leistet auch bei selbstverschuldeten Unfällen, Vandalismus und Parkschäden.

[38] Roadside assistance: Excluded ↩

Roadside assistance is not part of the Vollkasko cover itself; it is provided under the separate Tip&Tat KfzAktiv Plus assistance product.

[39] Replacement vehicle: Excluded ↩

The AKKB 2025 explicitly exclude loss of use and the cost of a replacement vehicle from the Vollkasko benefit (Art. 5.2.3). The 'Mietwagen-Vorteil' add-on only extends the policyholder's own deductible level to a vehicle they have separately rented after a claim; it does not itself provide a replacement car.

Veränderungen, Verbesserungen, Verschleißreparaturen, Minderung an Wert, äußerem Ansehen oder Leistungsfähigkeit, Nutzungsausfall oder Kosten eines Ersatzwagens ersetzt der Versicherer nicht.

[40] Driver accident: Excluded ↩

Personal accident protection for occupants is not part of Vollkasko; it is offered separately as Insassenschutz (occupant accident insurance).

Mit dem Insassenschutz versichern Sie sich selbst und Ihre Mitfahrenden gegen die finanziellen Folgen von Verletzungen nach einem Unfall.

[41] Own damage: Not established from the insurer's documents ↩

Covered only under Collision Casco (Kollisionskaskoversicherung), i.e. when Vollkasko/comprehensive is selected: damage from an accident (sudden external event with mechanical force) and malicious acts by third parties. Not included under pure Teilkasko (Elementarkasko). Indemnity is repair cost or, in case of total loss, replacement value less residual value, with no stated monetary ceiling.

e) durch Unfall, das ist ein unmittelbar von außen plötzlich mit mechanischer Gewalt einwirkendes Ereignis; Brems-, Betriebs- und reine Bruchschäden sind daher nicht versichert;

[42] Total loss: Not established from the insurer's documents ↩

If the vehicle is destroyed, lost, or the expected restoration costs plus residual value exceed the replacement value, the insurer pays the replacement value (cost to acquire an equivalent vehicle of the same type, quality and wear condition) less the residual value. No fixed monetary cap stated.

Der Versicherer leistet jenen Betrag, den der Versicherungsnehmer für ein Fahrzeug gleicher Art und Güte im gleichen Abnutzungszustand zur Zeit des Versicherungsfalles hätte aufwenden müssen (Wiederbeschaffungswert), abzüglich des Restwertes.

[43] Partial loss: Not established from the insurer's documents ↩

If no total loss occurs, the insurer covers the restoration (repair) costs plus necessary simple freight/transport costs for spare parts, and necessary recovery and transport costs of the vehicle to the nearest suitable workshop. A new-for-old deduction applies to parts/paint after the vehicle's third year, except for PKW/Kombi/LKW up to 2 tonnes payload.

die notwendigen Kosten der Bergung und Verbringung des Fahrzeuges bis zur nächsten Werkstätte, die zur ordnungsgemäßen Durchführung der Reparatur des Fahrzeuges in der Lage ist.

[44] Theft & robbery: Not established from the insurer's documents ↩

Covered under Elementarkasko/Teilkasko: damage, destruction or loss of the vehicle through theft, robbery, or unauthorized use by persons outside the business/household. If stolen items are recovered more than one month after the claim was reported, they become the insurer's property; recovery costs up to 2% of the replacement value are reimbursed without deduction of the deductible.

c) durch Diebstahl, Raub oder unbefugten Gebrauch durch betriebsfremde Personen;

[45] Glass damage: Not established from the insurer's documents ↩

For passenger cars, estate cars and trucks up to 2 tonnes payload, breakage damage to windscreen, side and rear windows and glass/panoramic roofs is covered regardless of cause under Collision Casco; under pure Elementarkasko (Teilkasko) it is only covered by special agreement.

Bei PKW,Kombi und LKW bis 2 Tonnen Nutzlast sind Bruchschäden ohne Rücksicht auf die Schadensursache an Windschutz(Front)-, Seiten- und Heckscheiben, sowie Glas- und Panoramadächern versichert. In der Elementarkaskoversicherung nur bei besonderer Vereinbarung.

[46] Natural perils: Not established from the insurer's documents ↩

Elementarkasko (Teilkasko) covers direct impact of lightning, rockfall, landslide, mudslide, avalanche, hail, high water, flooding and storm (wind of more than 60 km/h), including damage from objects thrown onto or against the vehicle by these forces.

unmittelbare Einwirkung von Blitzschlag, Felssturz, Steinschlag, Erdrutsch, Muren, Lawinen, Hagel, Hochwasser, Überschwemmungen und Sturm (wetterbedingte Luftbewegung von mehr als 60 km/h).

[47] Vandalism: Not established from the insurer's documents ↩

Malicious or spiteful acts by persons outside the business/household are covered under Collision Casco (Vollkasko). Under Teilkasko, vandalism/parking damage is only covered when the Topschutz protection level is chosen.

f) durch mut- oder böswillige Handlungen betriebsfremder Personen.

[48] Roadside assistance: Optional ↩

Available as a separate selectable module ("Pannen- und Unfallschutz") within the modular GRAWE AUTOMOBIL package, alongside Bonushaftpflicht, Bonuskasko and other modules; not part of the core Kasko cover itself.

Der optimale Pannen- und Unfallschutz rund um die Uhr und in ganz Europa - mit Ihrer ganz persönlichen Notfall-Telefonnummer.

[49] Replacement vehicle: Not established from the insurer's documents ↩

The AKKB expressly excludes loss of use or the cost of a replacement vehicle from the insurer's indemnity for partial loss.

Veränderungen, Verbesserungen, Verschleißreparaturen, Minderung an Wert, äußerem Ansehen oder Leistungsfähigkeit, Nutzungsausfall oder Kosten eines Ersatzwagens ersetzt der Versicherer nicht.

[50] Driver accident: Optional ↩

Driver and occupant accident protection ("Insassen-Unfall") is offered as a separate selectable module within GRAWE AUTOMOBIL, not as part of the Kasko cover itself.

Schützt den Autolenker und alle mitfahrenden Personen - verschiedene frei wählbare Varianten.

[51] Own damage: Conditional ↩

Collision/accident damage (an event with sudden external mechanical force) is only covered under Kollisionskasko (comprised in the Vollkasko level); braking, operational and pure breakage damage are excluded. Compensation follows the total-loss (replacement value) or partial-loss (repair cost) rules and is not covered at all under Teilkasko.

durch Unfall, das ist ein unmittelbar von außen plötzlich mit mechanischer Gewalt einwirkendes Ereignis; Brems-, Betriebs- und reine Bruchschäden sind daher nicht versichert

[52] Total loss: Covered ↩

In case of total loss (destruction, or theft/robbery with the vehicle not recovered within one month), HDI pays the replacement value the policyholder would have had to spend for an equivalent vehicle in the same condition, less any residual/salvage value. No fixed monetary ceiling is stated; the amount is tied to the vehicle's replacement value. Included in both Teilkasko and Vollkasko for the perils each covers. Recovery/towing costs to the nearest specialist workshop are additionally reimbursed up to a combined maximum of EUR 2,000.

Der Versicherer leistet im Falle eines Totalschadens nach 1.1 jenen Betrag, den der Versicherungsnehmer für ein Fahrzeug gleicher Art und Güte im gleichen Abnützungszustand zur Zeit des Versicherungsfalles hätte aufwenden müssen (Wiederbeschaffungswert).

[53] Partial loss: Covered ↩

If there is no total loss, HDI pays the actual repair costs and necessary transport costs for spare parts, or the estimated restoration cost if the damaged vehicle is sold. Recovery/towing costs to the nearest specialist workshop are reimbursed up to a combined maximum of EUR 2,000. Repair can be carried out up to 100% of replacement value, provided repair cost does not exceed it. A deduction for age/wear ('new for old') applies to tyres, battery and paintwork within the first three years and more broadly thereafter; no such deduction is made for passenger cars, estate cars and trucks up to 1 tonne payload.

die Kosten der vorgenommenen Reparatur und die notwendigen einfachen Fracht- und sonstigen Transportkosten der Ersatzteile

[54] Theft & robbery: Covered ↩

Covers damage, destruction or loss of the vehicle through theft, robbery or unauthorised use by persons outside the operation, included under Elementarkasko (present in both Teilkasko and Vollkasko). If the vehicle is not recovered within one month, total-loss rules apply. If found afterwards, actual recovery costs are reimbursed up to 2% of the replacement value without deduction of the deductible. Personal or professional items lost to a break-in theft (including 'modern crime' methods) are additionally covered up to EUR 2,000.

Wird das Fahrzeug aufgefunden, werden die tatsächlich aufgewendeten Rückholkosten im Höchstausmaß von 2 % des Wiederbeschaffungswertes ohne Abzug einer vereinbarten Selbstbeteiligung vergütet.

[55] Glass damage: Covered ↩

Breakage damage regardless of cause to windscreen, side and rear windows, panoramic glass roofs and exterior mirror housings (incl. electronics) is covered in both Teilkasko and Vollkasko, subject to a fixed deductible of EUR 400 (EUR 200 for indicator lenses, tail lights, headlights and mirror glass) regardless of the deductible variant chosen; no deductible applies if the glass is repaired using the resin-fill method.

Bruchschäden ohne Rücksicht auf die Schadenursache an Windschutz-, Seiten- und Heckscheiben, Glaspanoramadächern und Außenspiegelgehäusen (inkl. deren Elektronik)1 € 400,– € 400,– € 400,– € 400,–

[56] Natural perils: Covered ↩

Covers direct impact of lightning, rockfall, falling stones, landslide, mudflow, avalanche, snow pressure, hail, high water, flood and storm (wind of more than 60 km/h), as well as fire and explosion, and roof-avalanche/icicle damage. Included in both Teilkasko and Vollkasko as part of the Elementarkasko base package; in the 'eingeschränkt' (restricted) deductible option no deductible applies to these perils, while in the 'generell' (general) option the full EUR 650 or EUR 400 deductible applies.

Blitzschlag, indirekter Blitzschlag (ausgenommen E-Fahrzeuge), Felssturz, Steinschlag, Erdrutsch, Lawinen, Schneedruck, Hagel, Hochwasser, Sturm, Überschwemmung, Brand, Explosion und Muren

[57] Vandalism: Covered ↩

Malicious or spiteful acts by strangers (vandalism) are always covered under Teilkasko as a mandatory part of the Elementarkasko base package, also included in Vollkasko, subject to a deductible of EUR 650 or EUR 400 depending on the selected variant; police notification is required.

Teilkasko versichert immer mut- oder böswillige Handlungen Fremder – Vandalismus.

[58] Roadside assistance: Optional ↩

The optional Kfz-Assistance add-on provides a 24/7 hotline that arranges on-site breakdown help, towing, vehicle recovery, return/onward travel, collection of the repaired vehicle, rental car, hotel accommodation, vehicle repatriation including trailer, interpreter service, and customs/scrapping formalities. It is a separate optional product, not part of the standard Kasko IPID scope, and applies subsidiarily to any other applicable cover (e.g. credit-card cover).

Die HDI Assistance-Hotline veranlasst alle notwendigen Maßnahmen und entscheidet über die Wahl und Durchführung der entsprechenden Hilfsmaßnahmen

[59] Replacement vehicle: Optional ↩

Under the standalone Kasko cover itself, loss of use and the cost of a replacement/courtesy car are explicitly excluded. However, a rental car (Mietwagen) is listed as an insured benefit under the separate, optional Kfz-Assistance add-on; a free loaner car is also offered when repairs are carried out in the HDI partner workshop network.

Mietwagen

[60] Driver accident: Not applicable to this product ↩

Driver/occupant personal-accident benefits are not part of the Kasko product; HDI sells this as a wholly separate product line, the Kraftfahrzeug-Insassenversicherung, with its own IPID and conditions (AFIUB 2007).

IPID – Kraftfahrzeug Insassenversicherung

[61] Own damage: Conditional ↩

Only Vollkasko covers damage to the insured vehicle caused by an accident the policyholder is responsible for, including parking damage; Teilkasko does not. Vollkasko deductible variants: VKE 380 / VKE 600 / VKE 1000 (restricted deductible, applies only to collision damage, klassisch/gehoben/exklusiv) or VKD 500 (general deductible, applies to all covered perils). The optional Großschadenkasko rider raises the collision deductible to EUR 1500 (does not apply to parking damage, vandalism or glass claims); no-deductible options also exist.

Die Vollkaskoversicherung kommt zusätzlich zu den Teilkasko-Leistungen auch bei selbst verschuldeten Unfällen für den entstandenen Schaden auf.

[62] Total loss: Covered ↩

Helvetia pays the vehicle's current market value less any residual value in case of total loss, destruction or unrecovered theft. In the 'exklusiv' tier, an optional Neuwertentschädigung increases the settlement basis: 100% of the purchase price within 6 months of first registration, 90% in months 7-12, 80% in months 13-24, 75% in months 25-30, and current replacement value thereafter.

Mit dem Zusatz „Neuwertentschädigung“ erhöht sich im Fall eines Totalschadens am versicherten Fahrzeug die Ausgangsbasis für die Berechnung der Entschädigungsleistung. Bis zum 6. Monat erhalten Sie von uns den vollen Kaufpreis für Ihren PKW rückerstattet.

[63] Partial loss: Covered ↩

Repair costs for covered damage (e.g. natural hazards, fire, glass, theft attempts, and in Vollkasko also self-caused collisions) are reimbursed, subject to the applicable deductible for the chosen tier.

Die Helvetia Versicherungen AG ersetzt Reparaturkosten

[64] Theft & robbery: Covered ↩

Total theft, embezzlement, robbery and unauthorized use of the vehicle, as well as theft of vehicle parts, are covered as standard in both Teilkasko and Vollkasko across all tiers.

Diebstahl, Raub oder unbefugter Gebrauch

[65] Glass damage: Covered ↩

Breakage of front, side and rear windows is covered in all tiers. A deductible of EUR 250 applies (VKE 380/600/1000 Vollkasko variants and all Teilkasko variants), rising to EUR 500 under the VKD 500 general-deductible Vollkasko plan, regardless of cause; waived if repaired using the special resin technique. No deductible applies to small glass items (e.g. indicator lenses).

Unabhängig von der Schadenursache – dieser entfällt bei Reparatur mittels Spezialharzverfahren. Kein Selbstbehalt bei Schäden an Kleingläsern (Blinker etc.).

[66] Natural perils: Covered ↩

Damage from lightning, rockfall, falling stones, landslide, avalanche, snow-slide, snow pressure, hail, flooding, storm and inundation is covered as standard in both Teilkasko and Vollkasko across all tiers.

Schäden durch Blitzschlag, Felssturz, Steinschlag, Erdrutsch, Lawinen, Dachlawinen, Schneedruck, Hagel, Hochwasser, Sturm und Überschwemmungen

[67] Vandalism: Conditional ↩

Included as standard (subject to the chosen deductible) in Vollkasko, and in the 'Teilkasko inkl. Vandalismus und Parkschaden' / Summenteilkasko product variants across all tiers; a plain Teilkasko without this rider does not cover vandalism or parking damage.

Unter anderem sind auch Diebstahl des KFZ, Glasbruch, Vandalismus, Parkschaden und Kollisionen des fahrenden KFZ mit Tieren versichert.

[68] Roadside assistance: Excluded ↩

Roadside assistance is not part of the Kasko cover itself; Helvetia offers 24/7 assistance and breakdown support through the separate Helvetia Card KFZ, an extension of the mandatory Kfz-Haftpflichtversicherung (MTPL), not of Kasko.

Die Helvetia Card KFZ bietet Ihnen in Erweiterung Ihrer KFZ-Haftpflichtversicherung umfassenden Schutz und prompte Serviceleistungen.

[69] Replacement vehicle: Not established from the reviewed documents ↩

Helvetia's Kasko documents do not include a replacement vehicle.

[70] Driver accident: Excluded ↩

Not part of the Kasko product; occupant accident protection is sold as a separate line, the Helvetia Insassenunfallversicherung, covering all occupants regardless of fault, including boarding/alighting and loading/unloading.

Die Helvetia Insassenunfallversicherung versichert alle Personen: Nicht nur während der Fahrt, sondern auch beim Ein- und Aussteigen, Be- und Entladen, Parken und Einweisen des Fahrzeuges.

[71] Own damage: Not established from the insurer's documents ↩

The insurer compensates repair costs for partial damage, or the replacement value (Wiederbeschaffungswert) of a vehicle of the same type and condition at the time of the loss in case of total loss; no fixed monetary ceiling is stated, compensation is based on actual value rather than a fixed sum insured.

Der Versicherer leistet jenen Betrag, den der Versicherungsnehmer für ein Fahrzeug gleicher Art und Güte im gleichen Abnützungszustand zur Zeit des Versicherungsfalles hätte aufwenden müssen (Wiederbeschaffungswert).

[72] Total loss: Not established from the insurer's documents ↩

A total loss exists if the vehicle is destroyed, is lost and not recovered within one month of the loss report, or if the estimated repair costs plus residual value exceed the replacement value; the insurer pays the replacement value the policyholder would have had to spend for a vehicle of the same type and condition at the time of the loss.

Ein Totalschaden liegt vor, wenn infolge eines unter die Versicherung fallenden Ereignisses - das Fahrzeug zerstört worden ist oder - in Verlust geraten ist und nicht innerhalb eines Monats nach Eingang der Schadenmeldung wieder zur Stelle gebracht wird oder - die voraussichtlichen Kosten der Wiederherstellung zuzüglich der Restwerte den sich gemäß Punkt 1.2. ergebenden Betrag übersteigen.

[73] Partial loss: Not established from the insurer's documents ↩

Covers the cost of the completed repair plus necessary simple freight and transport costs for spare parts, and necessary costs of recovery and transport of the vehicle to the nearest suitable workshop; a new-for-old deduction is applied to spare parts and paintwork, but only for tires, battery and paint up to the end of the third year after first registration.

Von den Kosten der Ersatzteile und der Lackierung wird ein dem Alter und der Abnützung entsprechender Abzug (neu für alt) gemacht; bis zum Ablauf des dritten Jahres ab erstmaliger Zulassung jedoch nur bei Bereifung, Batterie und Lackierung.

[74] Theft & robbery: Not established from the insurer's documents ↩

Covers damage, destruction or loss caused by theft, robbery or unauthorized use by persons outside the household; a deductible applies. If the vehicle is later recovered, actual recovery costs up to 2% of the replacement value are reimbursed without deduction of the agreed deductible; items not recovered within one month of the loss report become the property of the insurer.

durch Diebstahl, Raub oder unbefugten Gebrauch durch betriebsfremde Personen;

[75] Glass damage: Not established from the insurer's documents ↩

Breakage damage to windshield, side and rear windows, panoramic and sliding glass roofs is covered regardless of cause, for passenger cars, estate cars, minibuses, motorhomes up to 3.5t and trucks up to 1t payload. The deductible is waived if the glass is repaired rather than replaced; costs for stickers, vignettes or similar are excluded.

Bruchschäden ohne Rücksicht auf die Schadensursache an Windschutz-(Front), Seiten- und Heckscheiben wie Glasdächer. Eine Selbstbeteiligung entfällt, wenn die versicherte Scheibe nicht ausgetauscht sondern mit einer geeigneten Reparaturmethode instand gesetzt wird;

[76] Natural perils: Not established from the insurer's documents ↩

Covers damage from lightning, rockfall, landslide, avalanche, snow pressure, hail, flooding and storm (wind over 60 km/h), including objects thrown by these forces; under the 'teilweise Selbstbehalt' (partial deductible) clause no deductible applies to these events, while under the 'generell Selbstbehalt' (general deductible) clause the agreed deductible applies. This is distinct from the separate Wild- und KatastrophenKasko product, which caps compensation at EUR 13,000 with a EUR 250 deductible.

unmittelbare Einwirkung von Blitzschlag, Felssturz, Steinschlag, Erdrutsch, Lawinen, Schneedruck, Hagel, Hochwasser, Überschwemmungen und Sturm (wetterbedingte Luftbewegung von mehr als 60 km/h).

[77] Vandalism: Not established from the insurer's documents ↩

Malicious or spiteful acts by persons outside the household are covered as a standard part of Vollkasko (this is optional in Teilkasko); the agreed deductible applies under both the 'teilweise' and 'generell' deductible clauses.

durch mut- oder böswillige Handlungen betriebsfremder Personen (Vandalismusschaden).

[78] Roadside assistance: Optional ↩

Roadside and accident assistance (breakdown help, towing, recovery, rental car, transport, overnight stay, spare parts shipment, tyre-damage cost reimbursement, etc.) is not part of the Kasko cover itself but is provided under the separately sold 'KLV SofortHelfer Kfz' product, which can be purchased alongside the Kasko policy and is cancellable monthly.

24-Stunden-Soforthilfe im Zusammenhang mit dem Kfz

[79] Replacement vehicle: Conditional ↩

A free replacement vehicle is provided during repair at KLV-certified partner workshops, subject to availability; this is not a guaranteed benefit for repairs performed outside the partner network.

reduziertem Selbstbehalt (ab 650 € Schadenhöhe) und kostenlosem Ersatzfahrzeug bei Reparaturen in KLV zertifizierten Partnerwerkstätten

[80] Driver accident: Optional ↩

Accident cover for the driver and occupants (death, permanent disability, daily allowance, medical costs) is not included in the Kasko policy itself but is available as the separate 'Fahrzeuginsassen-Unfallversicherung' product, sold with its own IPID and terms.

Fahrzeuginsassen-Unfallversicherung

[81] Own damage: Conditional ↩

Covers sudden damage to the vehicle caused by an accident, i.e. a sudden external event acting on the vehicle with mechanical force (collision), regardless of fault. Braking damage, operational damage (e.g. tyre wear) and pure breakage damage, as well as consequential damage, are not covered. This benefit is only part of comprehensive cover (Vollkasko/AKKB) and is not included in partial cover (Teilkasko/ATKB).

[82] Total loss: Covered ↩

If the vehicle is destroyed, lost and not recovered within one month, or if repair costs plus residual value exceed the replacement value (economic total loss), the insurer pays the replacement value (Wiederbeschaffungswert) for an equivalent vehicle in the same condition, less any agreed deductible and less any wreck/residual value. Recovery costs incurred if the vehicle is found within one month are reimbursed up to 2% of the replacement value without deduction of the deductible.

[83] Partial loss: Covered ↩

Covers the cost of repair plus simple freight/transport costs for spare parts, and the necessary recovery and towing costs to the nearest suitable workshop (up to €2,000 per event, of which €200 for towing costs; subsidiary to any other existing cover). Compensation for repairs is paid only once the vehicle has been properly repaired. Betterment, wear-repairs, diminished value, loss of use and cost of a replacement vehicle are excluded.

[84] Theft & robbery: Covered ↩

Covers total theft, theft of parts, robbery and unauthorised use by persons outside the company/household; a police report confirmation must be attached to the claim notification. Personal items stolen from the locked vehicle by forced entry are covered up to €1,000 per event (of which max. €500 for electronic/technical devices), excluding cash over €150, bank/credit cards, vehicle documents, vouchers, valuables, jewellery, watches, securities and keys; this sub-limit can be increased to €2,500 (uncapped for electronics within that sum) with the optional Fifty-Fifty/Bonus package. Coverage details (e.g. deductible amounts and sub-limits) vary between the Standard and Premium Kasko tariffs, as shown in muki's KDÜ coverage-overview table.

[85] Glass damage: Covered ↩

For cars, estate cars and trucks up to 1 tonne payload, breakage damage to windscreen, side and rear windows, and panoramic glass/sliding sunroof is covered regardless of cause, as are headlights, taillights, fog lights, indicator lenses and exterior mirrors (incl. housing). Costs for toll stickers/vignettes are excluded. An agreed deductible does not apply if the glass is repaired without replacement. With the optional Fifty-Fifty/Bonus package, the deductible for windscreen replacement is reduced by €100 (any workshop) or €200 (Carglass®), and headlight/small-glass breakage up to €500 is covered without deductible. Coverage details vary between the Standard and Premium Kasko tariffs, as shown in muki's KDÜ coverage-overview table.

[86] Natural perils: Covered ↩

Covers direct impact of lightning, rockfall, landslide, avalanches, snow pressure, hail, mudslides, high water, flooding, and storm (wind over 60 km/h), including damage from objects thrown onto/against the vehicle by these forces (but not damage due to driver behaviour caused by these forces). Also covers roof avalanches (snow falling from buildings) and falling icicles/ice formations. Coverage details vary between the Standard and Premium Kasko tariffs, as shown in muki's KDÜ coverage-overview table.

[87] Vandalism: Covered ↩

Covers malicious or wanton acts committed by persons outside the company/household (vandalism); a police report confirmation must be attached to the claim notification. Coverage details vary between the Standard and Premium Kasko tariffs, as shown in muki's KDÜ coverage-overview table.

[88] Roadside assistance: Optional ↩

Covers the necessary costs of recovering and transporting the vehicle to the nearest workshop capable of carrying out the repair, up to €2,000 per event, of which €200 is earmarked for towing costs; this cover is subsidiary to any other existing insurance cover for these costs. This is a cost-reimbursement benefit within the Kasko policy, distinct from muki's separately marketed 24h emergency-assistance service (muki 24h-Nothilfe, ASK conditions, optional add-on).

[89] Replacement vehicle: Excluded ↩

Loss of use and the cost of a replacement vehicle (Ersatzwagen) are explicitly excluded from the Kasko settlement. A rental car during vehicle downtime may only be available through muki's separate, optionally purchased 24h emergency-assistance service (ASK), which is not part of the standard Kasko benefits described in the AKKB/ATKB.

[90] Driver accident: Excluded ↩

Personal injury to the driver/occupants is not covered under the Kasko (AKKB/ATKB) terms; muki offers this separately as a distinct product, the Kfz-Insassenunfallversicherung, which can be combined with the Kasko policy but is not part of it.

[91] Own damage: Conditional ↩

Covers damage to the insured vehicle from own carelessness, accidents and parking dents; a self-caused total loss is also covered, but only under the Vollkasko (comprehensive) tier. Repair costs are capped at the vehicle's current market value (Zeitwert). No fixed monetary sum insured is stated.

Denn egal ob es sich um eigene Unachtsamkeit, Unfälle, Parkdellen, einem schlecht ausgehenden Wildwechsel oder Hagelschäden handelt. Mit der KFZ Kasko Versicherung der NV sind Sie bestens abgesichert.

[92] Total loss: Conditional ↩

A self-caused total loss of the vehicle finds cover under the Vollkasko (comprehensive) tier of the Kfz-Kasko product; no fixed sum insured is stated as the vehicle's value determines the payout.

Und natürlich findet ein selbstverursachter Totalschaden Deckung in der Vollkasko.

[93] Partial loss: Covered ↩

For partial damage, NV states that repair costs are limited to the current market value (Zeitwert) of the vehicle. Applies to perils covered under Teilkasko and, with own-fault damage, under Vollkasko.

Reparaturkosten sind mit dem Zeitwert des Fahrzeuges begrenzt.

[94] Theft & robbery: Covered ↩

NV's Kfz-Kasko FAQ lists theft, embezzlement, robbery and unauthorised use by persons outside the household among the covered loss events, alongside fire, explosion and malicious damage. No fixed sum insured is stated.

Diebstahl Unterschlagung, Raub oder unbefugten Gebrauch durch fremde Personen

[95] Glass damage: Covered ↩

Covers breakage of the windscreen, front, side and rear windows; breakage of small glass parts (headlight/indicator lenses and tail lights) is also listed.

Glasbruchschäden Windschutz-, Front-, Seiten- und Heckscheiben

[96] Natural perils: Covered ↩

NV's Kfz-Kasko explicitly covers natural perils: lightning, hail, rockfall, avalanche, landslide, storm, snow pressure, flood, etc. No fixed sum insured is stated.

Naturgewalten Blitz, Hagel, Felssturz, Lawinen, Erdrutsch, Sturm, Schneedruck, Hochwasser etc.

[97] Vandalism: Covered ↩

NV's own FAQ lists malicious damage caused by persons outside the household ('mut- und böswillige Sachbeschädigung betriebsfremder Personen') among the covered events. No fixed sum insured is stated.

Das gilt auch bei Schadenereignissen wie Diebstahl, Unterschlagung, Raub, unbefugten Gebrauch durch betriebsfremde Personen, Brand, Explosion, Tiere (ausgenommen Tierbiss), mut- und böswillige Sachbeschädigung betriebsfremder Personen.

[98] Roadside assistance: €300 ↩

Offered as the separate optional Kfz-Soforthilfe product: breakdown and accident help for the vehicle incl. trailer up to €300 in total, vehicle recovery up to €1,500, rental car up to €500, 24/7 hotline and interpreter help abroad.

Pannen- und Unfallhilfe für Ihr Fahrzeug einschließlich Anhänger bis zu einem Höchstbetrag von insgesamt € 300,- - auch in Ihrer Wohnsitzgemeinde Bergung Ihres Fahrzeuges Kostenübernahme bis zu € 1.500,- auch in Ihrer Wohnsitzgemeinde

[99] Replacement vehicle: See details ↩

Not part of Kfz-Kasko. A rental car (up to €500) is available through the separate optional Kfz-Soforthilfe product.

Mietwagen Kostenübernahme von bis zu € 500,- für die Anmietung eines gleichartigen Fahrzeuges

[100] Driver accident: Optional ↩

Kfz-Insassenunfall is offered by NV as an advisable separate extension of the motor insurance, covering the driver and all occupants regardless of fault, including permanent disability from a 51% degree of disability per the injury scale. It is a distinct optional product, not a built-in Kasko benefit.

Die Kfz-Insassenunfallversicherung ist eine ratsame Erweiterung Ihrer Kfz-Versicherung und bietet verlässlichen Schutz, für jeden, der das versicherte Fahrzeug lenkt. Unabhängig von Unfall-Verschuldsfrage.

[101] Own damage: Covered ↩

Covers damage to the insured vehicle caused by an accident (a sudden externally-acting mechanical event), including self-caused collisions; braking, operational and pure breakage damage are excluded. Only included in the Vollkasko (fully comprehensive) variant; excluded under Teilkasko, Parkschadenkasko and Eingeschränkte Teilkasko.

durch Unfall, das ist ein unmittelbar von außen plötzlich mit mechanischer Gewalt einwirkendes Ereignis; Brems-, Betriebs- und reine Bruchschäden sind nicht versichert.

[102] Total loss: Covered ↩

A total loss exists if the vehicle is destroyed or lost, or if the estimated repair costs plus residual value exceed the vehicle's current replacement value (Wiederbeschaffungswert); the insurer then pays that replacement value less the residual value. Applies across Vollkasko, Teilkasko, Parkschadenkasko and Eingeschränkte Teilkasko, each within its own covered perils.

Ein Totalschaden liegt vor, wenn infolge eines unter die Versicherung fallenden Ereignisses das Fahrzeug zerstört worden oder in Verlust geraten ist oder die voraussichtlichen Kosten der Wiederherstellung zuzüglich der Restwerte den sich gemäß Punkt 1.2 ergebenden Betrag übersteigen.

[103] Partial loss: Covered ↩

Where no total loss occurs, the insurer pays the cost of restoration and necessary transport/recovery costs to the nearest suitable workshop, for each covered peril of the respective clause (Vollkasko, Teilkasko, Parkschadenkasko, Eingeschränkte Teilkasko).

Liegt kein Totalschaden (Punkt 1.1) vor, leistet der Versicherer - die Kosten der Wiederherstellung und die notwendigen einfachen Fracht- und sonstigen Transportkosten der Ersatzteile; - die notwendigen Kosten der Bergung und Verbringung des Fahrzeugs bis zur nächsten Werkstätte, die zur ordnungsgemäßen Durchführung der Reparatur des Fahrzeugs in der Lage ist.

[104] Theft & robbery: Covered ↩

Covers loss of or damage to the vehicle from theft, robbery or unauthorized use by persons outside the operation; included in Vollkasko, Teilkasko and Parkschadenkasko; explicitly not covered under Eingeschränkte Teilkasko.

Diebstahl, Raub oder unbefugter Gebrauch

[105] Glass damage: Covered ↩

Covers breakage of windscreen, side and rear windows and panoramic glass roof regardless of cause of damage; included in Vollkasko, Teilkasko and Parkschadenkasko; excluded under Eingeschränkte Teilkasko. An optional 'Light' add-on package additionally covers breakage of small glass items such as headlamp lenses, indicator lenses and exterior mirrors.

Bruchschäden ohne Rücksicht auf die Schadensursache an Windschutz-(Front-), Seiten- und Heckscheiben sowie am Panoramaglasdach;

[106] Natural perils: Covered ↩

Covers damage from lightning, rockfall, landslide, avalanches, snow pressure, hail, flooding and storm (wind above 60 km/h), as well as fire/explosion and animal collision/bite damage; included in all four variants (Vollkasko, Teilkasko, Parkschadenkasko, Eingeschränkte Teilkasko).

Felssturz, Steinschlag, Erdrutsch, Muren, Lawinen, Schneedruck, Hagel, Hochwasser, Überschwemmungen und Sturm (wetterbedingte Luftbewegung von mehr als 60 km/h).

[107] Vandalism: Covered ↩

Covers malicious or spiteful acts by persons outside the operation (vandalism) and parking damage caused by an unknown vehicle; included in Vollkasko and Parkschadenkasko; explicitly excluded under Teilkasko and Eingeschränkte Teilkasko.

Parkschäden oder Vandalismus (mut- oder böswillige Handlungen betriebsfremder Personen)

[108] Roadside assistance: Not established from the reviewed documents ↩

Not addressed as part of the casco product's own terms in the sources reviewed.

[109] Replacement vehicle: Optional ↩

The base casco terms exclude reimbursement of a replacement vehicle (Ersatzwagen) for own-damage or partial-loss claims; however, the optional 'Luxus' add-on package (available for an extra premium) provides a rental car in the event of theft of the insured vehicle; no monetary limit is stated for this benefit.

ein Mietwagen im Falle des Diebstahles Ihres Fahrzeuges.

[110] Driver accident: Not established from the reviewed documents ↩

Not addressed within the casco terms and conditions reviewed; no provision for driver or passenger accident benefits was found in the documents checked.

[111] Own damage: Covered ↩

Comprehensive casco covers damage to the insured vehicle from an accident regardless of who is at fault; this is the core feature distinguishing comprehensive (Vollkasko) from partial (Teilkasko) casco. Depending on the extent of the damage, either the repair costs or the replacement value is reimbursed. Specific sums insured are agreed individually in the policy.

Abhängig von der Höhe des eingetretenen Schaden werden entweder die Reparaturkosten oder der Wiederbeschaffungswert (Betrag den der Versicherungsnehmer für ein Fahrzeug gleicher Art und Güte im gleichen Abnützungszustand zur Zeit des Versicherungsfalles hätte aufwenden müssen) ersetzt.

[112] Total loss: Not established from the insurer's documents ↩

A total loss exists if the vehicle is destroyed or lost, or if projected repair costs plus residual value exceed the replacement value. The insurer pays the replacement value (the cost of an equivalent vehicle in the same condition at the time of loss). For qualifying passenger cars/light vehicles, an enhanced benefit applies within 24 months of first registration, in four periods: months 1-6 (replacement value over 70% of list price) pays 100% of the purchase price; months 7-12 (over 65%) pays 100%; months 13-18 (over 60%) pays 90%; and months 19-24 (over 55%) pays 80%. Purchase price means the price actually paid for the vehicle after all discounts, not the list price.

Ein Totalschaden liegt vor, wenn infolge eines unter die Versicherung fallenden Ereignisses das Fahrzeug zerstört worden oder in Verlust geraten ist oder die voraussichtlichen Kosten der Wiederherstellung zuzüglich der Restwerte den sich gemäß Pkt. 1.2 ergebenden Wiederbeschaffungswert übersteigen.

[113] Partial loss: Not established from the insurer's documents ↩

If no total loss exists, the insurer pays the cost of the repair actually carried out plus necessary transport costs of spare parts, or, if the damaged vehicle is sold, the estimated cost of restoration. A new-for-old deduction for parts/paint applies after the third year from first registration for most vehicle types, but is waived for cars, station wagons, light four-wheel vehicles, trucks up to 3,500 kg and motorhomes up to 3,500 kg.

Von den Kosten der Ersatzteile und der Lackierung wird ein dem Alter und der Abnützung entsprechender Abzug (neu für alt) gemacht, bis zum Ablauf des dritten Jahres ab erstmaliger Zulassung jedoch nur bei Bereifung, Batterie und Lackierung.

[114] Theft & robbery: Not established from the insurer's documents ↩

Covers damage or loss of the vehicle through theft, robbery, or unauthorized use by persons outside the household; the vehicle itself is indemnified at replacement value (uncapped), not the personal-effects sub-limit. Loss of personal items normally carried in the vehicle (excluding cash, valuables, securities, documents/IDs) through break-in theft can be added as an optional module, insurable up to EUR 1,000, depending on vehicle type. If a stolen/robbed vehicle is later recovered, actual recovery costs are reimbursed up to 5% of the replacement value, capped at EUR 2,000, without deduction of the deductible.

durch Diebstahl, Raub oder unbefugten Gebrauch durch betriebsfremde Personen; sowie Verlust von im Fahrzeug befindlichen Gegenständen des persönlichen Bedarfes – ausgenommen Geld, Kostbarkeiten, Wertpapiere, Dokumente und Ausweise – durch Einbruchdiebstahl bis zur Höhe von 1.500 Euro

[115] Glass damage: Not established from the insurer's documents ↩

Covers breakage of windscreens, side and rear windows regardless of cause (excluding wear-related breakage of convertible rear windows), for the broad range of listed vehicle types (cars, vans, trucks, buses, motorhomes, agricultural/construction machinery etc.); a glass roof counts as a window. Breakage of headlights, taillights, indicator lenses and exterior mirrors is also covered for these vehicle types, and separately for small motorcycles/mopeds/tricycles. A separate optional 'Kleingläser' module extends cover for smaller glass items depending on vehicle type.

Bruchschäden ohne Rücksicht auf die Schadenursache an Windschutz- (Front-), Seiten- und Heckscheiben, ausgenommen Abnützungsbruch bei Heckscheiben von Cabrios. Als Scheibe gilt auch ein Glasdach.

[116] Natural perils: Not established from the insurer's documents ↩

Covers direct effects of lightning, rockfall, stone fall, landslide, avalanche, snow pressure, hail, high water, flooding, mudflow and storm (wind over 60 km/h), as well as roof avalanches and falling icicles/ice formations, including objects thrown onto the vehicle by these forces. For fully electric or plug-in hybrid vehicles, damage from indirect lightning (atmospheric electricity) is also covered.

unmittelbare Einwirkung von Blitzschlag, Felssturz, Steinschlag, Erdrutsch, Lawinen, Schneedruck, Hagel, Hochwasser, Überschwemmungen, Muren und Sturm (wetterbedingte Luftbewegung von mehr als 60 km/h)

[117] Vandalism: Not established from the insurer's documents ↩

Covers malicious or wanton acts by persons outside the household (vandalism damage) to the insured vehicle.

durch mut- oder böswillige Handlungen betriebsfremder Personen (Vandalismusschaden).

[118] Roadside assistance: Not established from the insurer's documents ↩

As part of a covered claim, the insurer pays the necessary costs of recovering and transporting the damaged vehicle to the nearest suitable repair workshop (uncapped 'necessary cost' standard). If a stolen vehicle is later recovered, actual recovery costs are reimbursed up to 5% of the replacement value, capped at EUR 2,000, without deduction of the deductible. This is distinct from 'Raiffeisen VerkehrsSoforthilfe', a 24/7 roadside-assistance service across Europe that is automatically included with the (separate) compulsory motor liability policy, not with this casco product.

Wird das Fahrzeug aufgefunden, werden die tatsächlich aufgewendeten Rückholkosten im Höchstausmaß von 5 % des Wiederbeschaffungswertes ohne Abzug einer vereinbarten Selbstbeteiligung vergütet, höchstens aber 2.000 Euro

[119] Replacement vehicle: Not established from the insurer's documents ↩

For cars, station wagons and light four-wheel vehicles without special use, following an accident claim to which the agreed accident deductible applies, the insurer reimburses the cost of a replacement vehicle rented from a licensed rental company or the repairing workshop for the duration of the repair, up to EUR 50 per day and EUR 350 per calendar year against invoice. These costs are not counted toward the agreed deductible; they are not reimbursed if the vehicle is sold in damaged condition.

Die Kosten werden nach Vorlage einer Rechnung bis zu 50 Euro pro Tag und bis zu 350 Euro pro Kalenderjahr ersetzt. Die Kosten eines Ersatzwagens werden bei der Ermittlung der vereinbarten Selbstbeteiligung nicht berücksichtigt.

[120] Driver accident: Not established from the reviewed documents ↩

No occupant/driver personal-accident benefit is described in the casco terms or IPID for this product.

[121] Own damage: Conditional ↩

Covers damage to the insured vehicle caused by a self-inflicted collision or accident. Only included in the Vollkasko (fully comprehensive) tier; Teilkasko excludes self-caused collision damage. Settled as repair costs, or the vehicle's current value less any salvage value if repair costs plus salvage exceed current value (total loss), or current value if the vehicle is stolen/robbed and not recovered.

zusätzlich bei Vollkasko: Unfallschäden

[122] Total loss: Covered ↩

If estimated repair costs plus the vehicle's residual/salvage value exceed its current value, Helvetia pays the current value less the residual value; if the vehicle is stolen or robbed and not recovered, the current value is paid. Applies across covered Teilkasko and Vollkasko perils.

den aktuellen Wert des Fahrzeugs – abzüglich des Restwerts, wenn die Summe aus geschätzten Reparaturkosten und Restwert den aktuellen Wert übersteigen (Totalschaden)

[123] Partial loss: Covered ↩

Partial damage (e.g. from fire, glass breakage, natural hazards, theft attempts, or - in Vollkasko - collision) is reimbursed at repair cost, within the agreed sum insured/limits.

Reparaturkosten

[124] Theft & robbery: Covered ↩

Covers theft, robbery and unauthorized use of the vehicle; included in both Teilkasko and Vollkasko. If the vehicle is stolen/robbed and not recovered, the current value is paid.

Diebstahl, Raub oder unbefugter Gebrauch

[125] Glass damage: Covered ↩

Covers breakage of front, side and rear windows as well as small glass parts, for passenger cars and station wagons (PKW/Kombi); included in both Teilkasko and Vollkasko.

Bruch von Front-, Seiten- und Heckscheiben (versichert für Personen- und Kombinationskraftwagen)

[126] Natural perils: Covered ↩

Covers damage from lightning strike, rockfall, landslide, avalanches (incl. roof avalanches), snow pressure, hail, flood/inundation, storm, as well as fire, explosion, and collision with animals (incl. bites to cables/hoses and cable-scorch damage); included in both Teilkasko and Vollkasko. Earthquake and nuclear damage are explicitly excluded.

Schäden durch Blitzschlag, Felssturz, Steinschlag, Erdrutsch, Lawinen, Dachlawinen, Schneedruck, Hagel, Hochwasser, Sturm und Überschwemmungen

[127] Vandalism: Covered ↩

Parking-damage and vandalism cover for passenger cars/station wagons is included already in Teilkasko; Vollkasko additionally covers damage caused by unidentified/unknown vehicles.

zusätzlich bei Teilkasko Vandalismus /Parkschaden (nur Personen- und Kombinationskraftwagen) und bei Vollkasko: Schäden durch Vandalismus Schäden durch unbekannte Fahrzeuge

[128] Roadside assistance: See details ↩

Not part of the Kasko product itself; roadside assistance is offered as a separate product (Allgemeine Bedingungen für die Kfz-Assistance - 488964/2506, marketed as 'Smile Assist').

[129] Replacement vehicle: See details ↩

Not mentioned in the Kasko IPID or the special conditions reviewed; no replacement-vehicle benefit is described as part of this Kasko product.

[130] Driver accident: See details ↩

Not part of the Kasko product; occupant accident cover is sold as a separate product (Allgemeine Bedingungen für die Kfz-Insassenunfallversicherung - 414955/2506).

[131] Own damage: Conditional ↩

Covers damage to the insured vehicle caused by an immediate, sudden external event with mechanical force (Unfall). This peril is only insured under the Vollkasko (fully comprehensive) tier and only if named in the policy; braking, operational and pure fracture damages are excluded. Compensation is based on the replacement value (Wiederbeschaffungswert), not a fixed sum insured.

Unfall (unmittelbar von außen plötzlich mit mechanischer Gewalt einwirkendes Ereignis; Brems-, Betriebs- und reine Bruchschäden sind daher nicht versichert)

[132] Total loss: Covered ↩

In case of total loss (vehicle destroyed, lost and not recovered within two months, or repair cost plus residual value exceeds replacement value), the insurer pays the replacement value (Wiederbeschaffungswert) minus the value of the damaged vehicle. If new-value cover is agreed, 100% of the proven purchase price is paid for a total loss within the first 12 months from first registration.

Neuwertleistung, sofern diese in der Polizze vereinbart ist: der Versicherer leistet bei Totalschaden innerhalb der ersten 12 Monate ab Datum der erstmaligen Zulassung 100% des nachgewiesenen Kaufpreises

[133] Partial loss: Covered ↩

If no total loss occurred, the insurer pays the cost of restoration and necessary transport costs of spare parts, or (if the vehicle is sold in damaged condition) the anticipated repair costs up to the difference between replacement value and the value of the damaged vehicle. A new-for-old deduction applies to tyres, battery and paintwork up to year 3, except this deduction does not apply for passenger cars, station wagons and trucks up to 1.5 tonnes payload.

Von den Kosten der Ersatzteile und der Lackierung wird ein dem Alter und der Abnützung entsprechender Abzug (neu für alt) gemacht, bis zum Ablauf des dritten Jahres ab erstmaliger Zulassung jedoch nur bei Bereifung, Batterie und Lackierung. Bei PKW, Kombi und LKW bis 1,5 Tonnen Nutzlast unterbleibt ein solcher Abzug.

[134] Theft & robbery: Conditional ↩

Covers theft, robbery or unauthorized use of the vehicle by persons outside the operation, if this peril is named in the policy. Available in both Teilkasko and Vollkasko. Compensation is based on replacement value; a recovery cost benefit of up to 5% of the replacement value applies if the vehicle is found (see towing/recovery constraint).

Wird das Fahrzeug aufgefunden, werden die tatsächlich aufgewendeten Rückholkosten im Höchstausmaß von 5 % des Wiederbeschaffungswertes ohne Abzug einer vereinbarten Selbstbeteiligung vergütet.

[135] Glass damage: Conditional ↩

Covers breakage damage regardless of cause to windscreen, side and rear windows and glass roofs, in both Teilkasko and Vollkasko, if named in the policy. If the glass is repaired instead of replaced, any deductible named in the policy is waived. In Teilkasko, this peril does not pay out in a total-loss scenario. Replacement of the pane with a new part requires prior inspection by the insurer's expert.

Glasbruch, das sind Bruchschäden ohne Rücksicht auf die Schadensursache an Windschutz- (Front-), Seiten-, Heckscheiben und Glasdächer bei Wiederherstellung; bei Reparatur statt Austausch der Scheibe entfällt ein etwaig in der Polizze genannter Selbstbehalt. Im TotalSchadensfall erfolgt keine Entschädigung aus Punkt 1.1.9.

[136] Natural perils: Conditional ↩

Covers direct impact of lightning strike, rockfall, landslide, mudflow, avalanche (including falling ice from buildings), snow pressure, hail, flood and storm (wind of more than 60 km/h), including damage from objects thrown onto or against the vehicle by these forces. Damage caused by driver behaviour induced by these forces is excluded. Available in both Teilkasko and Vollkasko, if named in the policy.

Folgende Naturgewalten: unmittelbare Einwirkung von Blitzschlag, Felssturz, Steinschlag, Erdrutsch, Muren, Lawinen, Dachlawinen (sowie von Gebäuden herabfallende Eisgebilde), Schneedruck, Hagel, Hochwasser, Überschwemmungen und Sturm (wetterbedingte Luftbewegung von mehr als 60 km/h)

[137] Vandalism: Conditional ↩

Covers malicious or wanton acts by persons outside the vehicle operation, if named in the policy. Available in both Teilkasko and Vollkasko.

Vandalismus (mut- oder böswillige Handlungen betriebsfremder Personen)

[138] Roadside assistance: Conditional ↩

Casco covers only the necessary costs of recovering and transporting the vehicle to the nearest workshop capable of proper repair, and only where the vehicle is not a total loss. This is a subsidiary benefit: it is not paid if another party (e.g. ÖAMTC, ARBÖ, another insurance) is obliged to cover it. Broader roadside assistance is offered as a separate 'KFZ-Assistance' product, not included in Kasko itself.

die notwendigen Kosten der Bergung und Verbringung des Fahrzeuges bis zur nächsten Werkstätte, die zur ordnungsgemäßen Durchführung der Reparatur des Fahrzeuges in der Lage ist. Diese Kosten werden nur dann ersetzt, soweit nicht Ersatz von anderer Seite ... zu leisten ist

[139] Replacement vehicle: Excluded ↩

Explicitly excluded: the insurer does not reimburse loss of use (Nutzungsausfall) or the cost of a replacement vehicle (Ersatzwagen).

Veränderungen, Verbesserungen, Verschleißreparaturen, Minderung an Wert, äußerem Ansehen oder Leistungsfähigkeit, Nutzungsausfall oder Kosten eines Ersatzwagens ersetzt der Versicherer nicht.

[140] Driver accident: See details ↩

Not addressed in the reviewed Kasko terms and conditions (KB20/KB24) or product page; driver/occupant accident cover is offered by Tiroler as a separate 'Insassen-Unfall-Versicherung' product.

[141] Own damage: Conditional ↩

Damage to the insured vehicle caused by an accident through the policyholder's own fault is only covered under the PREMIUM package of Auto & Frei Kasko (full comprehensive/Vollkasko); it is not included in the KOMPAKT or OPTIMAL packages, which only cover the perils explicitly listed as insurance modules on the policy.

Unfall (Fremd- oder Eigenverschulden) […] ✓

[142] Total loss: Covered ↩

In case of total loss (vehicle destroyed, lost, or repair cost plus residual value exceeds replacement value), UNIQA pays the replacement value of a vehicle of the same type and condition at the time of loss, minus the residual value; a scaled benefit improvement of up to 100% of the purchase price applies during the first 24 months after first registration.

Der Versicherer leistet jenen Betrag, den der Versicherungsnehmer für ein Fahrzeug gleicher Art und Güte im gleichen Abnützungszustand zur Zeit des Versicherungsfalles hätte aufwenden müssen (Wiederbeschaffungswert).

[143] Partial loss: Covered ↩

If there is no total loss, UNIQA pays the cost of the repair carried out plus the necessary freight/transport cost of spare parts, and the cost of recovery and towing to the nearest suitable workshop; a deduction 'new for old' applies to tyres, battery and paintwork within the first 3 years, but not for passenger cars/combis/small buses etc. without special use.

Liegt kein Totalschaden (Pkt. 1.1.) vor, leistet der Versicherer die Kosten der vorgenommenen Reparatur und die notwendigen einfachen Fracht- und sonstigen Transportkosten der Ersatzteile ... die notwendigen Kosten der Bergung und Verbringung des Fahrzeuges bis zur nächsten Werkstätte.

[144] Theft & robbery: Covered ↩

Theft, robbery or unauthorized use of the vehicle is covered; if the vehicle is stolen or robbed and not recovered, UNIQA pays its current value. A separate sub-limit of EUR 1,500 applies to the loss of personal items from the vehicle through burglary (break-in theft).

Diebstahl, Raub oder unbefugter Gebrauch sowie Verlust von Gegenständen des persönlichen Bedarfs durch Einbruchdiebstahl bis zur Höhe von 1.500,-Euro ... UNIQA ersetzt ... den aktuellen Wert, wenn das Fahrzeug gestohlen oder geraubt wurde und nicht wieder aufgefunden wird.

[145] Glass damage: Conditional ↩

Breakage of windscreen, side, and rear windows, headlights, tail lights, indicator lenses and mirrors, regardless of cause, is an optional module (wahlweise) in the KOMPAKT package and is standard/included in the OPTIMAL and PREMIUM packages.

Glasbruch an Scheiben und Kleingläsern […] wahlweise ✓ ✓

[146] Natural perils: Covered ↩

Covers direct impact of lightning, rockfall, falling stones, landslides, avalanches, snow pressure, hail, flooding, mudslides and storm (wind over 60 km/h), as well as roof avalanches and falling icicles/ice from buildings; included in all three packages (KOMPAKT, OPTIMAL, PREMIUM) of Auto & Frei Kasko.

Blitzschlag, Felssturz, Steinschlag, Erdrutsch, Lawinen, Schneedruck, Hagel, Hochwasser, Überschwemmungen, Muren, Sturm (Wind > 60 km/h), Dachlawinen und von Gebäuden herabfallende Eiszapfen und andere Eisgebilde

[147] Vandalism: Conditional ↩

Damage from malicious or spiteful acts by third parties is not covered in the KOMPAKT package, is an optional module (wahlweise) in OPTIMAL, and is included as standard in PREMIUM.

Vandalismus […] wahlweise ✓

[148] Roadside assistance: Conditional ↩

Auto PLUS24service (accident/breakdown assistance, towing, recovery, route planning abroad, travel information, replacement transport, vehicle transport abroad, driver replacement, child recovery, medical repatriation, spare parts shipping) is an optional module in KOMPAKT and included as standard in OPTIMAL and PREMIUM.

Auto PLUS24service Kompakt (wahlweise)/ Optimal/ Premium […] Unfall-/Pannenhilfe […] Kranken-Rücktransport

[149] Replacement vehicle: €350 ↩

For passenger cars, combis, small buses and certain light vehicles without special use, following accident damage where the agreed accident deductible applies, UNIQA reimburses the cost of a rental car from a licensed rental company or the repairing workshop for the duration of the repair, up to EUR 50 per day and up to EUR 350 per calendar year, on presentation of an invoice; not reimbursed if the vehicle is sold in damaged condition.

Die Kosten werden nach Vorlage einer Rechnung bis zu EUR 50,- pro Tag und bis zu EUR 350,- pro Kalenderjahr ersetzt.

[150] Driver accident: Optional ↩

Driver accident protection (Lenkerschutz) is offered as a separately selectable module of the Auto & Frei product line in all packages; it is not part of the Casco cover itself.

Lenkerschutz wahlweise wahlweise wahlweise

[151] Own damage: Not established from the insurer's documents ↩

Covers damage, destruction and loss of the insured vehicle and its parts/accessories. Vollkasko additionally covers collisions (sudden, external, mechanical impact) and vandalism, on top of the Teilkasko perils (fire, theft, natural perils, glass breakage, animal bites, short-circuit damage, etc.). No fixed sum insured; indemnity is based on replacement or repair value.

Versichert sind das Fahrzeug und die Fahrzeugbestandteile in der im Antrag bezeichneten Ausführung, sowie solche Teile, die im versperrten Fahrzeug verwahrt oder als Sonderausstattung bzw. Zubehör am Fahrzeug befestigt sind, gegen Beschädigung, (Reparaturschaden), Zerstörung (irreparable Beschädigung) und Verlust (Total- oder Teildiebstahl)

[152] Total loss: Not established from the insurer's documents ↩

In case of total loss (destruction, unrecovered total theft, or economic total loss where repair cost plus residual value exceeds replacement value), VAV pays the replacement value (Wiederbeschaffungswert) of an equivalent vehicle in the same condition, less any residual/wreck value. Recovery costs are covered up to EUR 2,000 per claim, including EUR 200 for towing costs.

Der Versicherer leistet jenen Betrag, den der Versicherungsnehmer für ein Fahrzeug gleicher Art und Güte im gleichen Abnützungszustand zur Zeit des Versicherungsfalles hätte aufwenden müssen (Wiederbeschaffungswert), abzüglich eines allfällig erzielbaren Wrackwertes bzw. Restwertes.

[153] Partial loss: Not established from the insurer's documents ↩

Where there is no total loss, VAV pays the cost of restoration/repair plus necessary transport costs for spare parts and recovery/towage to the nearest suitable repair workshop, less any agreed deductible.

Liegt kein Totalschaden (Pkt. 1.1.) vor, leistet der Versicherer die Kosten der Wiederherstellung und die notwendigen einfachen Fracht- und sonstigen Transportkosten der Ersatzteile

[154] Theft & robbery: Not established from the insurer's documents ↩

Covers theft, robbery or unauthorized use of the vehicle by persons outside the household/business; also covers items of personal use stolen from the locked vehicle during a break-in (up to EUR 1,000 per claim, excluding cash and electronic devices), and replacement of stolen documents/keys/plates up to EUR 250 per claim.

aus dem versperrten Fahrzeug im Zuge eines Einbruchdiebstahls. Die Entschädigungsleistung für Gegenstände des persönlichen Bedarfes erfolgt zum Neuwert des betreffenden Objektes und ist insgesamt mit EUR 1.000,00 pro Schadensereignis begrenzt.

[155] Glass damage: Not established from the insurer's documents ↩

Covers breakage of windscreen, side and rear windows, panoramic/sliding sunroofs, headlights, taillights, fog lights and mirrors regardless of cause, plus related installation costs. The deductible is waived for windscreen repair (not replacement).

Bruchschäden an Windschutz- (Front-), Seiten- und Heckscheiben, Panoramadächern, Glasschiebedächern sowie an Scheinwerfern, Heckleuchten, Nebellichtern, Blinkercellonen und Außenspiegeln (inklusive Gehäuse) ohne Rücksicht auf die Schadenursache.

[156] Natural perils: Not established from the insurer's documents ↩

Covers direct effects of lightning, rockfall, landslide, avalanches (including roof avalanches), snow pressure, falling ice from buildings, hail, flooding due to weather, and storm (wind over 60 km/h), including damage from objects thrown onto the vehicle by these forces.

Unmittelbare Einwirkung von Blitzschlag, Felssturz, Steinschlag, Erdrutsch, Muren, Lawinen (auch Dachlawinen), Schneedruck, von Gebäuden herabfallende Eiszapfen oder andere Eisgebilde, Hagel, Hochwasser, durch wetterbedingte Überschwemmungen sowie Sturm (das sind wetterbedingte Luftbewegung von mehr als 60 km/h).

[157] Vandalism: Conditional ↩

Malicious or wanton damage to the vehicle by third parties is included (subject to deductible) in Vollkasko as a core benefit; in Teilkasko it is only available as an optional add-on (subject to deductible), per the VAV coverage overview.

Kasko Zusatzdeckung (TK): Vandalismus SB SB l mit SB l mit SB

[158] Roadside assistance: Not established from the insurer's documents ↩

Recovery costs (Bergungskosten) following an insured event are reimbursed up to EUR 2,000 per claim, of which up to EUR 200 relates to towing costs; this cover is subsidiary to any other existing coverage (e.g. dedicated roadside assistance/ÖAMTC membership).

Bergungskosten werden bis zum Betrag von EUR 2.000,00 pro Schadensereignis ersetzt; im Rahmen dieses Versicherungsschutzes werden EUR 200,00 aus dem Titel Abschleppkosten übernommen. Der Versicherungsschutz ist subsidiär zu allfällig anderweitig bestehendem Versicherungsschutz.

[159] Replacement vehicle: €200 ↩

Optional add-on covering rental car costs while the vehicle is being repaired following a Casco claim, limited to EUR 40 per day, maximum EUR 200 in total, and maximum 5 days per claim.

Leihwagenkosten

[160] Driver accident: See details ↩

Not part of Casco, which covers only damage to the vehicle itself; driver/occupant accident cover (Lenker-/Insassen-Unfallversicherung) is available as a separate optional add-on.

Unsere Insassen-Unfallversicherung schützt Sie und Ihre Mitfahrer vor den Folgen eines Unfalls und stellt damit eine wichtige Ergänzung zu Ihrer Autoversicherung dar.

[161] Own damage: 100% of insured sum ↩

Only covered under the Top-Schutz (Kollisionskasko) variant: damage from an accident, i.e. a sudden event acting on the vehicle from outside with mechanical force; braking, operational and pure breakage damage remain excluded. Compensation is capped at the insured sum (list price incl. VAT and NoVA plus accessories), subject to reduction for underinsurance.

durch Unfall, das ist ein unmittelbar von außen plötzlich mit mechanischer Gewalt einwirkendes Ereignis; Brems-, Betriebs- und reine Bruchschäden sind daher nicht versichert;

[162] Total loss: 100% of insured sum ↩

Included in both variants: in case of total loss (vehicle destroyed, not recovered within one month, or repair cost plus residual value exceeds the replacement value), VLV pays the replacement value of an equivalent vehicle in the same condition of wear, less the agreed deductible; salvage remains with the policyholder and its value is deducted.

Der Versicherer leistet jenen Betrag, den der Versicherungsnehmer für ein Fahrzeug gleicher Art und Güte im gleichen Abnützungszustand zur Zeit des Versicherungsfalles hätte aufwenden müssen (Wiederbeschaffungswert).

[163] Partial loss: 100% of insured sum ↩

Included in both variants: if there is no total loss, VLV pays the actual repair costs on presentation of an invoice plus necessary transport costs for spare parts, and recovery/towing costs to the nearest suitable workshop; a new-for-old deduction applies only to tyres, battery and paintwork within the first three years for passenger cars/vans/light trucks.

die Kosten der vorgenommenen Reparatur nach Vorlage einer Rechnung und die notwendigen einfachen Fracht- und sonstigen Transportkosten der Ersatzteile;

[164] Theft & robbery: 100% of insured sum ↩

Included in both variants: cover for damage, destruction or loss of the vehicle through theft, embezzlement, robbery or unauthorised use by persons outside the household; a separate special condition adds cover up to EUR 1,500 for personal/professional items lost through break-in theft.

durch Diebstahl, Unterschlagung, Raub oder unbefugten Gebrauch durch betriebsfremde Personen;

[165] Glass damage: 100% of insured sum ↩

Included in both variants: breakage of windscreen, side and rear windows and the sliding sunroof/panoramic roof is covered regardless of cause; the deductible is waived if the repair is carried out without replacing the glass.

[166] Natural perils: 100% of insured sum ↩

Included in both variants: direct impact of lightning, rock fall, landslide, avalanche, snow pressure, hail, flood, inundation, mudslide and storm (wind over 60 km/h); also includes damage from objects thrown onto/against the vehicle by these forces.

durch folgende Naturgewalten: unmittelbare Einwirkung von Blitzschlag, Felssturz, Steinschlag, Erdrutsch, Lawinen, Schneedruck, Hagel, Hochwasser, Überschwemmungen, Vermurungen und Sturm (wetterbedingte Luftbewegung von mehr als 60 km/h).

[167] Vandalism: 100% of insured sum ↩

Only covered under the Top-Schutz (Kollisionskasko) variant: damage from spiteful or malicious acts of persons outside the household.

durch mut- oder böswillige Handlungen betriebsfremder Personen.

[168] Roadside assistance: Optional ↩

Optional service offered with the Top-Schutz variant: if the journey cannot continue due to a breakdown (braking, operational or pure breakage damage) or an accident, VLV provides assistance under its NotfallHilfe service.

Können Sie wegen einer Panne (Brems-, Betriebs- oder reiner Bruchschaden) oder eines Unfalles Ihre Fahrt nicht fortsetzen, helfen wir Ihnen gerne im Rahmen unserer NotfallHilfe weiter.

[169] Replacement vehicle: Excluded ↩

Explicitly excluded in both variants: the insurer does not reimburse loss of use or the cost of a replacement vehicle.

Nutzungsausfall oder Kosten eines Ersatzwagens ersetzt der Versicherer nicht.

[170] Driver accident: See details ↩

Not part of Casco; VLV offers driver/occupant accident cover as a separate product (Quattro-Insassenunfallversicherung).

[171] Own damage: Covered ↩

Comprehensive (Vollkasko) covers the insured vehicle and its parts kept in the locked vehicle against damage, destruction and loss from the perils listed in the policy (accident, fire, theft, natural hazards, glass breakage, parking damage, vandalism, animal collision). No fixed sum insured is stated; the benefit is calculated per claim based on repair cost or replacement value.

Versichert sind das Fahrzeug und seine Teile, die im versperrten Fahrzeug verwahrt oder an ihm befestigt sind, gegen Beschädigung, Zerstörung und Verlust durch die folgenden Naturgewalten:

[172] Total loss: Covered ↩

In case of total loss (vehicle destroyed, lost, or repair cost plus residual value exceeds replacement value), the insurer pays the replacement cost of an equivalent vehicle of the same type, quality and wear condition at the time of loss (Wiederbeschaffungswert), minus any residual value and agreed deductible.

Der Versicherer leistet jenen Betrag, den der Versicherungsnehmer für ein Fahrzeug gleicher Art und Güte im gleichen Abnützungszustand zur Zeit des Versicherungsfalles hätte aufwenden müssen (Wiederbeschaffungswert).

[173] Partial loss: Covered ↩

If no total loss occurs, the insurer covers restoration costs, necessary freight/transport costs for spare parts, and recovery/towing costs to the nearest suitable workshop. For cars/station wagons and trucks up to 1.5 tonnes payload, no age/wear deduction ("new for old") is applied to parts and paint costs.

die Kosten der Wiederherstellung und die notwendigen einfachen Fracht- und sonstigen Transportkosten der Ersatzteile; die notwendigen Kosten der Bergung und Verbringung des Fahrzeugs bis zur nächsten Werkstätte

[174] Theft & robbery: Covered ↩

Covers theft, robbery and unauthorized use of the vehicle by persons outside the household/business. If a stolen/robbed item is recovered within one month of the claim notification, it remains the property of the policyholder; recovery costs are reimbursed up to a maximum of 2% of the replacement value without deduction of the deductible.

Wird das Fahrzeug aufgefunden, werden die tatsächlich aufgewendeten Rückholkosten im Höchstausmaß von 2 % des Wiederbeschaffungswertes ohne Abzug einer vereinbarten Selbstbeteiligung vergütet.

[175] Glass damage: Covered ↩

Breakage of windscreen (front), side and rear windows as well as the panoramic glass roof is covered regardless of the cause of damage.

Bruchschäden ohne Rücksicht auf die Schadensursache an Windschutz-(Front-), Seiten- und Heckscheiben sowie am Panoramaglasdach;

[176] Natural perils: Covered ↩

Covers direct and indirect lightning strike (including damage to EV batteries connected to an external charging source), rockfall, landslide, mudslide, avalanche, snow pressure, hail, flooding, storm (wind over 60 km/h), roof avalanches, and falling icicles/ice formations from buildings.

Felssturz, Steinschlag, Erdrutsch, Muren, Lawinen, Schneedruck, Hagel, Hochwasser, Überschwemmungen und Sturm (wetterbedingte Luftbewegung von mehr als 60 km/h).

[177] Vandalism: Covered ↩

Covers collision of the parked/stopped vehicle with an unknown vehicle (parking damage) and malicious or spiteful acts by persons outside the household/business (vandalism).

durch Kollision des geparkten oder haltenden Fahrzeugs mit einem unbekannten Fahrzeug (Parkschaden); - durch mut- oder böswillige Handlungen betriebsfremder Personen;

[178] Roadside assistance: See details ↩

Not part of the Vollkasko comprehensive product itself. The extended 24h roadside assistance (Pannenhilfe) is included only in the PREMIUM variant of the separate Kfz-Haftpflichtversicherung (MTPL) product.

In der Variante PREMIUM der Kfz-Haftpflichtversicherung ist das erweiterte 24h-Pannenhilfe-Service enthalten.

[179] Replacement vehicle: Excluded ↩

The cost of a replacement/rental vehicle is explicitly not reimbursed by the insurer.

Kosten eines Ersatzwagens ersetzt der Versicherer nicht.

[180] Driver accident: Optional ↩

Not included in the Vollkasko product. Accident protection for the driver and occupants is offered as a separate, separately purchasable product, the Kfz-Insassenunfallversicherung (Lenker- und Insassenunfallversicherung), which pays out regardless of fault.

Die Lenker- und Insassen-Unfallversicherung kann zusätzlich zu einer der drei Kfz-Haftpflichtversicherungen BASIC, CLASSIC und PREMIUM abgeschlossen werden und schützt sowohl Lenker:in als auch die Insass:innen im Falle eines Unfalles.

[181] Own damage: Conditional ↩

Damage from a sudden, externally-acting mechanical event (accident) to the insured vehicle is only covered in the Vollkasko (Premium) variant under 1024A; braking, operational and pure breakage damage are excluded. Not covered in eingeschränkte Teilkasko, Teilkasko or Parkschadenkasko.

durch Unfall, das ist ein unmittelbar von außen plötzlich mit mechanischer Gewalt einwirkendes Ereignis; Brems-, Betriebs- und reine Bruchschäden sind nicht versichert.

[182] Total loss: Covered ↩

In case of total loss (vehicle destroyed/lost, or repair cost plus residual value exceeds replacement value), the insurer pays the replacement value (Wiederbeschaffungswert) at the time of the claim. No fixed sum is stated; indemnity is value-based. Included in all four variants.

Der Versicherer leistet jenen Betrag, den der Versicherungsnehmer für ein Fahrzeug gleicher Art und Güte im gleichen Abnützungszustand zur Zeit des Versicherungsfalles hätte aufwenden müssen (Wiederbeschaffungswert).

[183] Partial loss: Covered ↩

If no total loss occurs, the insurer pays repair costs, necessary transport costs of spare parts, and recovery/towing costs to the nearest capable workshop. No deduction for age/wear (neu-für-alt) is made on parts/paintwork for cars, station wagons and trucks up to 1.5t payload. No fixed sum stated.

Von den Kosten der Ersatzteile und der Lackierung wird bei PKW/Kombi und LKW bis 1,5 Tonnen Nutzlast kein dem Alter und der Abnützung entsprechender Abzug (neu für alt) gemacht.

[184] Theft & robbery: Conditional ↩

Covers damage/loss from theft, robbery or unauthorized use by persons outside the operation. Available in Teilkasko, Parkschadenkasko and Vollkasko; not included in the reduced eingeschränkte Teilkasko variant (explicitly excluded there). If the vehicle is recovered, actual recovery costs are reimbursed up to a maximum of 2% of the replacement value, without deduction of the agreed deductible.

Wird das Fahrzeug aufgefunden, werden die tatsächlich aufgewendeten Rückholkosten im Höchstausmaß von 2 % des Wiederbeschaffungswertes ohne Abzug einer vereinbarten Selbstbeteiligung vergütet.

[185] Glass damage: Conditional ↩

Breakage damage regardless of cause to windscreen, side/rear windows and panoramic glass roof. Available in Teilkasko, Parkschadenkasko and Vollkasko; not included in the reduced eingeschränkte Teilkasko variant.

Bruchschäden ohne Rücksicht auf die Schadensursache an Windschutz-(Front-), Seiten- und Heckscheiben sowie am Panoramaglasdach.

[186] Natural perils: Covered ↩

Covers direct/indirect lightning strike, rockfall, landslide, mudflow, avalanche, snow pressure, hail, flood and storm (wind over 60 km/h), plus roof avalanches and falling icicles. Included in all four variants.

Felssturz, Steinschlag, Erdrutsch, Muren, Lawinen, Schneedruck, Hagel, Hochwasser, Überschwemmungen und Sturm (wetterbedingte Luftbewegung von mehr als 60 km/h).

[187] Vandalism: Conditional ↩

Covers collision of the parked/stationary vehicle with an unknown vehicle (parking damage) and malicious/spiteful acts by persons outside the operation (vandalism). Only available in Parkschadenkasko and Vollkasko; not in eingeschränkte Teilkasko or standard Teilkasko.

durch Kollision des geparkten oder haltenden Fahrzeugs mit einem unbekannten Fahrzeug (Parkschaden); durch mut- oder böswillige Handlungen betriebsfremder Personen.

[188] Roadside assistance: Conditional ↩

No standalone roadside-assistance benefit is stated. Only recovery/towing to the nearest capable workshop as part of an actual covered claim is included, which is a claims-settlement cost, not a general breakdown-assistance service.

die notwendigen Kosten der Bergung und Verbringung des Fahrzeugs bis zur nächsten Werkstätte, die zur ordnungsgemäßen Durchführung der Reparatur des Fahrzeugs in der Lage ist.

[189] Replacement vehicle: Optional ↩

The base Kasko terms explicitly exclude reimbursement of replacement-vehicle costs (1022A/1024A Art. 5: 'Kosten eines Ersatzwagens ersetzt der Versicherer nicht'). However, a rental car in the event of vehicle theft is available as part of the optional Zusatzpaket Luxus add-on package.

auch ein Mietwagen im Falle des Diebstahles Ihres Fahrzeuges.

[190] Driver accident: Not applicable to this product ↩

No cover for driver/occupant personal injury is mentioned in the Kasko terms, IPIDs or Flugblatt; this peril falls outside the scope of the Kasko (own-damage) product line.

[191] Own damage: Conditional ↩

Damage to the insured vehicle from an accident (a sudden externally-acting mechanical event), regardless of who caused it, is covered only under the Vollkasko (fully comprehensive) variant; Teilkasko does not cover collision/accident damage, braking, operational or pure breakage damage.

3.1 Schäden durch Unfall, das ist ein unmittelbar von außen plötzlich mit mechanischer Gewalt einwirkendes Ereignis: Brems-, Betriebs- und reine Bruchschäden sind daher nicht versichert.

[192] Total loss: Covered ↩

If the vehicle is destroyed, or stolen/robbed and not recovered within one month, or if repair costs plus residual value exceed the replacement value, the insurer pays the replacement value (what an equivalent vehicle of the same type and condition would cost) less the residual value. For Vollkasko, a new-value benefit applies: 100% of the purchase price for months 1-24 after first registration, 70% for months 25-36 and 60% for months 37-48; this can be extended (Vollkasko only, for a surcharge) to pay 100% for the full 48 months. For Teilkasko, new-value cover can be added as an option.

100 % Entschädigung des Kaufpreises, wenn sich der Schaden 1 bis 24 Monate ab Neukauf ereignet; 70 % des Kaufpreises nach 25 bis 36 Monate ab Neukauf; 60 % des Kaufpreises nach 37 bis 48 Monate ab Neukauf. 100 % Entschädigung des Kaufpreises, wenn sich der Schaden 1 bis 48 Monate ab Neukauf ereignet.

[193] Partial loss: Covered ↩

Where no total loss occurs, the insurer pays the cost of restoration and necessary freight/transport of spare parts plus recovery and towing to the nearest suitable workshop, for whichever perils are covered under the chosen variant (Vollkasko: all named perils plus accident/vandalism/parking damage/glass; Teilkasko: named perils only, e.g. fire, theft, natural hazards, animal collision).

Liegt kein Totalschaden gemäß Punkt 1.1 vor, leistet der Versicherer die Kosten der Wiederherstellung und die notwendigen einfachen Fracht- und sonstigen Transportkosten der Ersatzteile

[194] Theft & robbery: Covered ↩

Covers destruction, damage or loss of the vehicle through theft, embezzlement, robbery or unauthorised use by persons outside the household/business, without deductible, in both Vollkasko and Teilkasko; theft must be reported to the nearest police station without delay.

durch Diebstahl, Unterschlagung, Raub oder unbefugten Gebrauch durch betriebsfremde Personen:

[195] Glass damage: Conditional ↩

Breakage of windscreen, side and rear windows and other glazing (plus headlights, indicators, tail-lights under the 2015 conditions) is covered for registered vehicles under both Vollkasko and Teilkasko, with a deductible of €350 per claim; the deductible is waived for a windscreen repair (instead of replacement) costing up to €400, or when the breakage is caused by an otherwise deductible-free insured peril. Glass breakage is not covered for non-registrable vehicles (e-bikes, scooters, etc.).

Selbstbehalt: 350 €

[196] Natural perils: Covered ↩

Covers, without deductible, damage from lightning, rockfall, falling stones, landslide, mudslide, avalanche, snow pressure, hail, high water, flooding and storm (wind of more than 60 km/h), as well as roof avalanches and falling icicles, and collision with game or domestic animals; included in both Vollkasko and Teilkasko and for both registered and non-registrable vehicles.

durch folgende Naturgefahren: unmittelbare Einwirkung von Blitzschlag, Felssturz, Steinschlag, Erdrutsch, Muren, Lawinen, Schneedruck, Hagel, Hochwasser, Überschwemmungen und Sturm (wetterbedingte Luftbewegung von mehr als 60 km/h).

[197] Vandalism: Conditional ↩

Malicious damage by third parties (vandalism) and collision with an unidentified vehicle while parked/stationary (parking damage) are included as standard in Vollkasko (subject to the agreed deductible). Under Teilkasko for registered vehicles these perils are not included by default and must be purchased as a separately priced add-on (e.g. at deductible levels of €350 or €550 in the 2023 tariff); for non-registrable vehicles under Teilkasko, vandalism/parking damage is not available at all.

Vandalisumus und Parkschäden sind bei zulassungspflichtigen Kfz bei Teilkasko ohne Selbstbehalt nicht versichert.

[198] Roadside assistance: Covered ↩

The Mobilitäts-Assistance Premium package is included as standard in the Mobilitäts-Kasko (both Vollkasko and Teilkasko, for registered and non-registrable vehicles): 24/7 telephone helpline, on-site repair, towing to the nearest workshop, taxi up to €70, plus (Premium) a rental car/substitute means of transport for up to 5 days, hotel costs up to 5 nights, and organisation of the return/onward journey; vehicle-specific extras include collection/return of the repaired vehicle and repatriation from abroad; PKW customers additionally get SmartRepair cost cover up to €200 for breakdown repairs (e.g. ignition coil, knock sensor, tyre replacement).

Mietwagen oder Ersatz-Fortbewegungsmittel bis 5 Tage; Übernahme der Übernachtungskosten im Hotel (bis zu 5 Nächte); Organisation der Heim- oder Weiterreise

[199] Replacement vehicle: Covered ↩

As part of the standard assistance benefit, a rental car or substitute means of transport is provided for up to 5 days without deductible. In addition, MO'Drive casco customers with an accepted claim who use the MO'Drive repair-partner network receive a free replacement vehicle for the entire duration of the repair. Under the legacy 2015 conditions, costs of a comparable rental vehicle are alternatively reimbursed up to €40/day, capped at €240 per insurance year, without deductible.

auf die Kosten eines gleichartigen Ersatzfahrzeuges bei einem konzessionierten Leihwagenunternehmen bzw. bei der mit der Reparatur des Fahrzeuges beauftragten Fachwerkstätte bis zu einem Tagesmaximum von EUR 40,00, insgesamt bis zu EUR 240,00 pro Versicherungsjahr

[200] Driver accident: Excluded ↩

Personal accident cover for the driver and passengers is not part of the Kasko (own-damage) product; Wüstenrot offers it as a separate, optionally purchasable product, the Mobilitäts-Unfallvorsorge, which protects against the financial consequences of an accident for the driver and passengers.

MOBILITÄTS-UNFALLVORSORGE Wer vorsorgt, hat später nicht das Nachsehen – erst recht bei einem Unfall. Mit der Mobilitäts-Unfallvorsorge schützen Sie sich und die Mitfahrenden vor nicht absehbaren finanziellen Folgen.

[201] Own damage: Covered ↩

Covers damage, destruction or loss of the insured vehicle and its permanently fixed parts caused by fire/explosion, theft/robbery/embezzlement/unauthorised use, natural hazards, animal contact, glass breakage, parking damage, malicious acts by outsiders and accidents (sudden external mechanical force); braking/wear/operational damage is excluded.

Versichert sind das Fahrzeug und seine Teile, die im versperrten Fahrzeug verwahrt oder an ihm befestigt sind (Treibstoffe gelten nicht als Fahrzeugteile), gegen Beschädigung, Zerstörung und Verlust

[202] Total loss: Covered ↩

A total loss exists if the vehicle is destroyed, not recovered within one month of theft, or if repair costs exceed both the gap between replacement value and residual value and 85% of the replacement value; Zurich then pays the replacement value (cost of an equivalent vehicle of the same type/condition) less the residual value.

Ein Totalschaden liegt vor, wenn infolge eines unter die Versicherung fallenden Ereignisses ... die voraussichtlichen Kosten der Wiederherstellung des beschädigten Fahrzeugs sowohl den Differenzbetrag zwischen Wiederbeschaffungswert ... als auch 85% des Wiederbeschaffungswertes ... übersteigen.

[203] Partial loss: Covered ↩

If no total loss exists, Zurich pays the technically and economically necessary restoration costs (incl. transport of spare parts), capped at the gap between replacement value and residual value; if actual necessary repair costs exceed that cap but stay below 85% of the replacement value, the excess is reimbursed once the policyholder proves the vehicle was fully and properly repaired within one year of the loss.

Bei Teilschäden (ausgenommen die Fälle des Pkt. 2.1.3.) leistet der Versicherer zunächst die technisch und wirtschaftlich notwendigen Kosten der Wiederherstellung des Fahrzeugs einschließlich der notwendigen Fracht- oder sonstigen Transportkosten der Ersatzteile

[204] Theft & robbery: Covered ↩

Covers damage, destruction or loss of the vehicle through theft, embezzlement, robbery or unauthorised use by persons outside the operation; Zurich pays the replacement value if the vehicle is not recovered, and reimburses recovery costs up to 2% of the replacement value without deduction of the deductible if it is later found. Stolen items not recovered within one month of the claim report become the insurer's property.

durch Diebstahl, Unterschlagung, Raub oder unbefugten Gebrauch durch betriebsfremde Personen

[205] Glass damage: Covered ↩

Covers breakage damage regardless of cause to windscreen, side and rear windows, glass roofs, headlights, indicator lenses, tail lights and exterior mirrors on multi-track vehicles.

durch Glasbruch, dies sind Bruchschäden ohne Rücksicht auf die Schadensursache an Windschutz- (Front-), Seiten-, Heckscheiben und Glasdächer sowie an Scheinwerfern, Blinkercellonen, Heckleuchten und Außenspiegeln bei mehrspurigen Fahrzeugen

[206] Natural perils: Covered ↩

Covers direct impact of lightning, rockfall/rockslide, landslide, avalanches, snow pressure, roof avalanches, falling icicles/ice formations, hail, high water, flooding, mudslides (Muren) and storm (wind over 60 km/h), including objects thrown onto the vehicle by these forces.

unmittelbare Einwirkung von: - Blitzschlag, - Felssturz/Steinschlag ... - Sturm (wetterbedingte Luftbewegung von mehr als 60 km/h).

[207] Vandalism: Covered ↩

Covers damage, destruction or loss caused by malicious or spiteful acts of persons outside the operation of the vehicle (vandalism); included as standard in the comprehensive (Vollkasko) cover.

durch mut- oder böswillige Handlungen betriebsfremder Personen;

[208] Roadside assistance: €750 ↩

Zurich pays the necessary costs of recovering and transporting the vehicle to the nearest workshop up to EUR 750; this benefit is subsidiary, i.e. paid only insofar as no claim can be made under another contract (e.g. an assistance policy) for the same costs.

Der Versicherer leistet überdies die notwendigen Kosten einer tatsächlich vorgenommenen Bergung und Verbringung des Fahrzeuges bis zur nächsten Werkstätte bis zur Höhe von EUR 750,00.

[209] Replacement vehicle: Excluded ↩

Loss of use and the cost of a replacement vehicle are explicitly excluded from the comprehensive motor insurance; a rental car is only provided free of charge under the separate, optional Smart & Easy Repair partner-workshop service for covered claims.

Nutzungsausfall oder Kosten eines Ersatzwagens ersetzt der Versicherer nicht.

[210] Driver accident: See details ↩

Driver and occupant accident cover (Insassenunfall) is not part of the comprehensive motor (Vollkasko) conditions; it is offered as a separate accident insurance product under the shared Kasko and Occupant Accident Insurance framework (AKIB).

[211] Own damage: Conditional ↩

Covers damage to the insured vehicle caused suddenly and directly by mechanical force from outside (Unfall), including self-caused collisions. This peril is only included in the Vollkasko (comprehensive) tier; it is not part of the Teilkasko (partial) tier. Settlement follows the same total-loss/partial-loss rules as other casco perils (replacement value less residual value for total loss, repair cost otherwise).

[212] Total loss: Covered ↩

In case of total loss (vehicle destroyed/lost, or estimated repair cost plus residual value exceeds replacement value), Zurich pays the replacement value (Wiederbeschaffungswert) for an equivalent vehicle of the same type and condition at the time of the loss, minus any agreed deductible. If repair cost does not exceed 85% of the replacement value, repair may still be requested instead.

Der Versicherer leistet - unter Abzug einer allenfalls vereinbarten Selbstbeteiligung (Artikel 9) - jenen Betrag, der nachfolgenden Punkten berechnet wird: […] die voraussichtlichen Kosten der Wiederherstellung zuzüglich der Restwerte den sich gemäß Punkt 1.2 ergebenden Betrag (Wiederbeschaffungswert) übersteigen. Solange die voraussichtlichen Kosten einer Reparatur des beschädigten Fahrzeuges 85% des Wiederbeschaffungswertes nicht übersteigen, kann der Versicherungsnehmer allerdings dennoch eine Reparatur des Fahrzeuges begehren […] Der Versicherer leistet jenen Betrag, den der Versicherungsnehmer für ein Fahrzeug gleicher Art und Güte im gleichen Abnützungszustand zur Zeit des Versicherungsfalles hätte aufwenden müssen (Wiederbeschaffungswert).

[213] Partial loss: Covered ↩

If no total loss occurs, Zurich pays the cost of restoration plus necessary freight/transport costs for replacement parts, and the necessary costs of recovery and transport of the vehicle to the nearest suitable workshop. Value depreciation, cosmetic loss, loss of use or cost of a replacement car are not reimbursed.

die Kosten der Wiederherstellung und die notwendigen einfachen Fracht- und sonstigen Transportkosten der Ersatzteile […] die notwendigen Kosten der Bergung und Verbringung des Fahrzeuges bis zur nächsten Werkstätte, die zur ordnungsgemäßen Durchführung der Reparatur des Fahrzeuges in der Lage ist. […] Veränderungen, Verbesserungen, Verschleißreparaturen, Minderung an Wert, äußerem Ansehen oder Leistungsfähigkeit, Nutzungsausfall oder Kosten eines Ersatzwagens ersetzt der Versicherer nicht.

[214] Theft & robbery: Covered ↩

Covers damage, destruction and loss of the vehicle through theft, embezzlement, robbery or unauthorized use by third parties. If the vehicle is recovered, actual recovery costs up to 2% of the replacement value are reimbursed without deduction of any agreed deductible. Items not recovered within one month of the claim notification become the insurer's property.

durch Diebstahl, Unterschlagung, Rau oder unbefugten Gebrauch durch betriebsfremde Personen; […] Wird das Fahrzeug aufgefunden, werden die tatsächlich aufgewendeten Rückholkosten im Höchstausmaß von 2 % des Wiederbeschaffungswertes ohne Abzug einer vereinbarten Selbstbeteiligung vergütet. […] Werden gestohlene, unterschlagene oder geraubte Gegenstände erst nach Ablauf eines Monates nach Zugang der Schadensanzeige wieder zur Stelle gebracht, werden sie Eigentum des Versicherers.

[215] Glass damage: Covered ↩

Covers breakage, irrespective of cause, of windscreen, side and rear windows and glass roofs, as well as headlights, indicator lenses, tail lights and exterior mirrors on multi-track vehicles. Zurich's Carglass partner offers a EUR 150 deductible reduction on glass replacement and no deductible for glass repair only.

durch Glasbruch, dies sind Bruchschäden ohne Rücksicht auf die Schadensursache an Windschutz- (Front-), Seiten-, Heckscheiben und Glasdächer sowie an Scheinwerfern, Blinkercellonen, Heckleuchten und Außenspiegeln bei mehrspurigen Fahrzeugen;

[216] Natural perils: Covered ↩

Covers direct impact of lightning, rockfall/landslide, avalanches, snow pressure, roof avalanches, falling icicles, hail, high water, flooding, mudslides and storm (wind over 60 km/h). Damage caused by objects being thrown onto or against the vehicle by these forces is included; damage from the driver's own conduct triggered by these forces is excluded.

unmittelbare Einwirkung von: - Blitzschlag, - Felssturz/Steinschlag (dies ist das naturbedingte Ablösen und Abstürzen von Gesteinsmassen im Gelände), - Erdrutsch […] und - Sturm (wetterbedingte Luftbewegung von mehr als 60 km/h). […] Eingeschlossen sind Schäden, die dadurch verursacht werden, dass durch diese Naturgewalten Gegenstände auf oder gegen das Fahrzeug geworfen werden; ausgeschlossen sind Schäden, die auf ein durch diese Naturgewalten veranlasstes Verhalten des Lenkers zurückzuführen sind;

[217] Vandalism: Covered ↩

Covers damage caused by malicious or spiteful acts of persons unconnected with the operation of the vehicle. Self-caused vandalism-like damage (own reckless acts) is only covered under the Vollkasko tier together with the accident (Unfall) peril.

durch mut- oder böswillige Handlungen betriebsfremder Personen;

[218] Roadside assistance: €750 ↩

Zurich covers the necessary costs of transporting the damaged vehicle to the nearest workshop up to EUR 750. This benefit applies only insofar as reimbursement cannot be claimed under another contract (insurance, service or assistance contract) covering the same vehicle (agreed subsidiarity).

Der Versicherer leistet überdies die notwendigen Kosten der Verbringung des Fahrzeuges bis zur nächsten Werkstätte bis zur Höhe von EUR 750,00. […] Eine Entschädigung gemäß Pkt. 1.3. wird nur dann und nur insoweit erbracht, als nicht aus einem anderen Vertrag (Versicherungs-, Dienstleistungs-, Assistancevertrag) Ersatz für die hier erwähnten Kosten bezüglich des versicherten Fahrzeuges beansprucht werden kann (vereinbarte Subsidiarität).

[219] Replacement vehicle: Excluded ↩

The general casco terms explicitly exclude reimbursement of loss of use or the cost of a replacement car. However, as a service benefit (not a cash entitlement), policyholders using the Smart & Easy Repair partner-workshop service receive a free loan vehicle (only fuel costs payable) and save EUR 100 on the deductible.

Veränderungen, Verbesserungen, Verschleißreparaturen, Minderung an Wert, äußerem Ansehen oder Leistungsfähigkeit, Nutzungsausfall oder Kosten eines Ersatzwagens ersetzt der Versicherer nicht.

[220] Driver accident: See details ↩

Personal accident cover for the driver is not part of the casco conditions; it is sold as a separate product (Kfz-Insassenunfallversicherung).