Allianz

Covers damage to the insured vehicle and its parts caused by accidents (sudden external mechanical force events). At total loss, the replacement value (Wiederbeschaffungswert) is paid; at partial loss, restoration costs (Wiederherstellungskosten) are paid. Gross negligence is covered except where the driver is impaired by drugs or alcohol. The agreed deductible per the policy certificate is deducted.

In the event of total loss (vehicle destroyed, lost and not returned within one month, or estimated repair costs plus residual value exceed the replacement value), the replacement value (Wiederbeschaffungswert) is paid. For new vehicles (first registration less than 6 months before policy inception) where a total loss or theft occurs within the first 24 months after first registration, 100% of the purchase price (Kaufpreis) is paid instead, provided it exceeds the replacement value. For leased vehicles (regardless of first registration date), the lease contract dissolution value (Auflösungswert) is paid if it exceeds the replacement value.

For partial damage (any loss event that is not a total loss), restoration costs (Wiederherstellungskosten) are reimbursed. These include costs of recovery and towing to the nearest capable workshop, repair costs, and necessary freight/transport costs for spare parts. A deduction for age and wear (neu für alt) is applied to spare parts and paintwork, except for passenger cars, station wagons, and trucks up to 1 tonne payload where no such deduction applies. The agreed deductible per the policy certificate is deducted.

Covers the insured vehicle and its parts (stored in the locked vehicle or attached to it) against theft, robbery, and unauthorized use by non-operational third parties. At total loss, the replacement value is paid; at partial loss, restoration costs are paid. The agreed deductible is deducted. For break-in theft, personal and professional items inside the vehicle are covered up to EUR 1,000 without deductible, excluding cash, valuables, securities, mobile phones (especially smartphones), digital cameras, laptops, tablets, and mobile computers. If stolen goods are recovered within one month of claim notification, they remain the insured's property; if recovered and returned later, they pass to Allianz. Retrieval costs for the recovered vehicle are reimbursed up to 2% of the replacement value. Note: Gross negligence is NOT covered for theft/robbery.

Covers breakage damage to all vehicle glazing (including Cellon) regardless of cause. Gross negligence is covered except for drug/alcohol impairment. For front, side, rear windscreens and panoramic glass roofs, the deductible is waived if repair without replacement is possible. For motorcycle windshield breakage, no deductible applies. The deductible stated in the policy certificate is applied for replacement of major glazing components or damage to other vehicle glass. At total loss, the replacement value is paid pro rata for affected glass; at partial loss, restoration costs are paid pro rata.

Covers damage, destruction or loss caused by: lightning, rockfall and landslide, earthslide, mudslides (Muren), avalanches, roof avalanches, snow pressure, hail, flood, inundation, storm (wind above 60 km/h), as well as objects propelled by these events. Also covers fire, explosion, and smouldering damage. For EVs/hybrids, coverage extends to drive batteries, charging cables (incl. adapters), portable chargers, and owner-possessed wallboxes, including indirect lightning (inductive strike) for connected batteries. Gross negligence is covered except for drug/alcohol impairment. Reactions of the driver to natural perils are excluded. At total loss, replacement value is paid; at partial loss, restoration costs are paid.

Covers damage or destruction caused by malicious or deliberate acts of third parties and collisions caused by unknown vehicles against the parked vehicle. Gross negligence is covered except for drug/alcohol impairment. At total loss, replacement value is paid; at partial loss, restoration costs are paid. The agreed deductible is deducted. Note: Vandalism and parking damage claims count against the Vollkasko Bonus-Malus system (premium raised by 3 levels per claim).

Paket MAX includes extended roadside assistance (Kfz-Assistance Erweitert) covering: on-site breakdown help (1h labour), towing to nearest authorised partner workshop (within 20km) or to a location of choice within 150km, replacement vehicle (up to 6 days for damage/vandalism/theft, up to 4 days / 2x per year for breakdown/misfuelling/lockout/key loss), overnight hotel costs (max 3 nights, up to EUR 75 per person per night, when vehicle is more than 50km from home), return travel costs, tyre replacement, fuel delivery, retrieval of recovered vehicle, transport of mortal remains, scrapping costs up to EUR 125, additional information services. EV charging/towing to nearest EV station available 2x per year. Assistance centre reachable 24/7. Applies only to passenger cars, kombis up to 9 seats, motorcycles, motorhomes, trucks up to 3.5t payload and their trailers.

Included via Kfz-Assistance (Erweitert) in Paket MAX. If vehicle cannot be repaired on the same day: for damage/destruction/vandalism/theft, up to 6 days; for breakdown/misfuelling/lockout/key loss, up to 4 days but max. 2x per year. Vehicle class: one class below insured vehicle but not higher than mid-range (e.g. VW Golf, Ford Focus, Seat Leon). For EV/hybrid insured vehicles, an EV/hybrid rental is organised where available. Delivery costs covered within 50km radius from vehicle location. Not available for tyre punctures, fuel shortage, or flat EV battery. Rental contract signed directly with rental company. Additionally, under Allianz Werkstatt-Service for PKW/Kombi, a courtesy car (PKW category) is provided free of charge during repair duration, subject to availability.

Paket MAX includes both driver accident insurance (Unfallversicherung Lenker) and passenger accident insurance (Unfallversicherung Insassen). Covers the authorised driver and all passengers (with driver's consent) for accidents causally connected with use of the vehicle, including boarding/alighting. Benefits: death benefit (if insured person dies within 1 year of accident from accident consequences) and permanent disability benefit (proportional to degree of invalidity per the Gliedertaxe scale, up to 100% of the insured sum). The insured sums are stated in the policy certificate. Excluded: unauthorised use, driving under influence of alcohol/drugs, heart attack/stroke, self-inflicted injuries.