Motor casco

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Feature / category	Allianz May 13, 2026 Open details	Generali May 13, 2026 Open details	GRAWE May 13, 2026 Open details	Helvetia May 13, 2026 Open details
Overview
Insurer	Allianz Elementar Versicherungs-Aktiengesellschaft	Generali Versicherung AG	Grazer Wechselseitige Versicherung Aktiengesellschaft	Helvetia Versicherungen AG
Online purchase	Yes	Yes	No	No
24/7 helpline	Yes	Yes	Yes	Yes
Billing basis	annual	annual	annual	annual
Unique selling points	New vehicle purchase price reimbursement: 100% of the purchase price is paid within 24 months of first registration in the event of total loss or theft, rather than only the depreciated market value. Gross negligence is covered for all casco perils except theft/robbery (where any gross negligence is excluded) and except where the driver is impaired by alcohol or drugs, meaning Allianz does not reduce benefits even in cases of careless driving for most perils. Full-service Allianz Workshop Service with pick-up/return, direct billing, courtesy car, and exterior cleaning – combined with lower premiums and deductibles when using the partner workshop network of around 450 garages in Austria. Extended roadside assistance (Kfz-Assistance Erweitert) is included as standard in Paket MAX, providing replacement vehicles (up to 6 days), overnight hotel costs (up to EUR 75/person/night for max. 3 nights), return travel costs, and EV-specific services at no extra premium. GAP coverage for leased vehicles is included: in the event of total loss, the lease dissolution value is reimbursed regardless of first registration date, protecting against the gap between insurance payout and outstanding lease obligations.	Five casco coverage variants in one product family (Vollkasko, Vollkasko mit durchgehender SB, Parkschadenkasko, Parkschadenkasko mit durchgehender SB, Teilkasko) — more granularity than the typical two-tier market offering. New-value replacement guarantee (Neuwertklausel) up to 48 months from first registration based on actual purchase price — significantly longer than the standard 12-month industry offer. Dedicated Elektroplus-Paket optional module covering EV-specific risks: cyberattack on vehicle software, charger/cable theft, indirect lightning damage to charger, and subsidiary fire containment costs up to EUR 10,000 per claim. Kleinglasschutz (small glass parts: headlights, indicators, mirrors etc.) included without deductible in every casco variant, and NOVUS-method glass repair waives the standard windscreen deductible entirely. 24/7 digital and telephone breakdown assistance (Tip&Tat KfzAktiv Plus) combinable with any casco or MTPL contract, with digital on-site dispatch via digitalepannenhilfe.at.	Superbonus system keeps the kasko premium tier frozen throughout the entire contract duration even after a claim, unlike standard bonus-malus systems. Special equipment and accessories up to EUR 2,500 are included in the Bonuskasko at no extra premium. Low-mileage bonus refunds 12% of the annual premium for claim-free policyholders driving fewer than 7,000 km per year. Coverage extends beyond standard Europe to all non-European Mediterranean coastal states, offering broader territorial protection than most competitors. GRAWE has been awarded the FMVÖ Recommender Award for 'Exzellente Kundenorientierung' 14 consecutive times (2012–2026), making it Austria's most-recommended insurer according to an independent annual study of 8,000 customers.	Three selectable casco variants (klassisch, gehoben, exklusiv) allow coverage of gross negligence and new-value compensation to be added without switching insurers. Partner workshop service provides a free replacement vehicle and complimentary vehicle collection/return, combined with a 6-year guarantee on all bodywork and paintwork by TÜV/DEKRA-certified workshops. The sport and electronics package (Freizeit- und Elektronikpaket) covers private sports equipment up to EUR 3,500 and electronic devices up to EUR 1,500 at new value, on top of the standard casco base cover. Claims service is available 24 hours a day, 365 days a year, with online damage reporting and access to a nationwide partner workshop network for fast, paperless repair settlement. Animal bite damage (e.g. marten bites) to hoses, cables and insulation material in the engine compartment is covered up to EUR 3,500, including collision damage with all types of animals while the vehicle is in motion.
IPID	IPID	Not available	IPID	IPID
Terms & conditions	Terms & conditions 1 Terms & conditions 2	Terms & conditions 1 Terms & conditions 2	Terms & conditions	Terms & conditions
Coverage
Own damage	Covered	unlimited	unlimited	unlimited
Total loss	Covered	replacement_value	unlimited	unlimited
Partial loss	Covered	unlimited	unlimited	unlimited
Theft & robbery	Covered	unlimited	unlimited	unlimited
Glass damage	Covered	unlimited	unlimited	unlimited
Natural perils	Covered	unlimited	unlimited	unlimited
Vandalism	Covered	unlimited	unlimited	unlimited
Roadside assistance	Covered	Optional	Optional	Optional
Replacement vehicle	Covered	Optional	Excluded	A free replacement vehicle (Corsa/Polo/Smart class) is provided for the duration of the repair when the partner workshop service (Werkstattservice) is selected. This is not available under a standard free workshop choice. The workshop service must be activated, and Helvetia's instructions must be obtained prior to any repair assignment.
Driver accident	Covered	Optional	Optional	Optional
Key conditions
Driver age experience limit	No explicit minimum driver age or experience requirement is stated for casco coverage in the policy documents. The driver must hold the legally required driving licence (kraftfahrrechtliche Berechtigung) for the vehicle type. Violation of this obligation may lead to denial of cover.	No driver age or minimum experience requirement is specified in the AKKB 2025 or the product sheet. Coverage loss occurs if the vehicle is operated without a valid driving licence under motor vehicle law (also applicable off public roads).	No explicit minimum driver age limit stated in the AKKB 2024. However, the driver must hold the legally required driving licence for the vehicle at all times (Art. 7 §2.1 AKKB 2024). An additional deductible of EUR 250 applies to young drivers under 22 years who are not the policyholder. The insurer's obligation to pay remains in place for other insured persons if the breach of obligation was not recognisable without fault.	Drivers under the age of 24 require a separate enquiry (anfragepflichtig) for the casco product. No minimum age is explicitly stated in the general terms (AVBK 2020), but the driver must at all times hold the legally required driving licence for the vehicle type. This applies even when driving on private ground.
Repair network requirements	If Allianz Workshop Service (Allianz Werkstatt-Service) is selected, Allianz chooses the qualified repair workshop. If the policyholder chooses a non-approved workshop instead, an increased deductible (as stated in the policy certificate) applies. The increased deductible does not apply if the vehicle must be repaired abroad after a loss event and is not roadworthy. Without Workshop Service, the policyholder may choose any workshop but must obtain Allianz's consent before starting repairs (pre-repair approval obligation).	No mandatory repair network is specified. The insurer must be contacted before any repair begins to allow vehicle inspection or damage assessment. For glass breakage, standard payment covers repair; replacement with a new part requires prior inspection by an insurer-appointed expert.	No specific approved repair network is required by the AKKB 2024. The insurer pays the costs of towing and transport to the nearest workshop capable of properly carrying out the repair (Art. 5 §2.1). The policyholder must obtain the insurer's consent before commencing repairs or disposing of the damaged vehicle where this can reasonably be expected of them (Art. 7 §3.3).	When the partner workshop service (Werkstattservice) has been selected, the insured must obtain Helvetia's prior authorisation before commissioning any repair or disposing of the damaged vehicle. Partner workshops are TÜV/DEKRA-certified specialists using original spare parts with a 6-year guarantee on bodywork and paintwork. Failure to obtain prior authorisation may result in reduced benefits. Under free workshop choice, no restriction applies but Helvetia's advance consent is still required before repair.
Territorial scope	Coverage extends throughout Europe in the geographic sense (including all states signatory to the Association Agreement of 30 May 2002). For Kfz-Assistance (Erweitert), coverage applies throughout geographic Europe including the European part of Turkey and the Greek part of Cyprus, but excluding Belarus, Ukraine, Russia and Moldova. Coverage is not interrupted during water transport if loading/unloading points are within the territorial scope.	Coverage extends throughout Europe in the geographical sense, and in any case to all signatory states of the agreement between national insurance bureaux of EWR member states and other associated states of 30 May 2002. During water transport, coverage is not interrupted if loading/unloading points are within the territorial scope; coverage ends at completion of loading if the destination is outside.	Coverage extends across Europe in the geographical sense, and at minimum to all states that have signed the agreement between national insurance bureaus of EEA member states and other associated states of 30 May 2002 (Art. 3 §1 AKKB 2024). The GRAWE Bonuskasko also extends to all non-European Mediterranean coastal states. Coverage is not interrupted during water transport if loading points are within the territorial scope; coverage ends upon completion of loading if the destination is outside the scope.	Coverage applies throughout geographical Europe (excluding the Asian part of Turkey), and in any case in all EU and EEA member states as well as Andorra, Switzerland and Serbia, pursuant to the multilateral guarantee agreement of 30 May 2002. Coverage is not interrupted during water transport (ferry) provided both loading and unloading ports are within the territorial scope.
Anti theft requirements	No specific anti-theft device requirements are stated for theft coverage. However, theft caused by gross negligence is explicitly excluded (unlike most other casco perils where gross negligence is covered). Parts stored in the locked (versperrt) vehicle are covered; items left in unlocked vehicles are not explicitly covered.	No specific anti-theft device requirements are stated in the policy conditions. However, a pre-damage inspection (Zustandsbericht) is required for used vehicles at policy inception, and prior damage must be disclosed; false declarations lead to loss of cover.	No specific anti-theft device requirements are stated in the AKKB 2024. However, the vehicle and its parts must be locked in or secured to the vehicle for theft coverage to apply (Art. 1 §1 AKKB 2024: insured are the vehicle and its parts that are locked in or attached to it). Coverage restrictions exist if vehicle-use agreements are not observed (Art. 7 §1 AKKB 2024).	For coverage of stolen items stored in the vehicle (personal belongings), the vehicle must be locked and the items must be stored invisibly in a locked boot/load compartment or in a closed glove compartment or centre armrest compartment. Items too large to be stored as specified are covered if kept inside the locked vehicle. Electronic items must be invisible from outside.
Claim notification deadline	After a loss event, the policyholder must notify Allianz within one week of becoming aware of the event, providing as detailed an account of the facts as possible, and also notify any related administrative or judicial proceedings. For theft, robbery, unauthorized use, fire, explosion, animal collision, and hit-and-run, immediate notification to the nearest police station is also required. Before starting repairs or disposing of the damaged vehicle, Allianz's consent must be obtained (where reasonably possible).	The policyholder must notify the insurer of the loss event within one week, with as precise a description of the facts as possible, and must report the start of any related administrative or judicial proceedings. Theft, robbery, unauthorised use, vandalism, collision with animals, damage by fire/explosion and collisions with unknown vehicles must be reported immediately to the nearest police station.	The policyholder must notify the insurer of the insured event in writing within at most one week of becoming aware of it, including the exact facts and any related administrative or court proceedings (Art. 7 §3.1 AKKB 2024). Damage caused by theft, robbery, unauthorised use, fire, explosion or wildlife must be reported immediately to the nearest police station (Art. 7 §3.4 AKKB 2024). Failure to comply may result in loss of coverage subject to § 6 VersVG.	The insured must notify Helvetia of the loss event within one week of gaining knowledge of it, with as precise a description as possible. Any related administrative or judicial proceedings must also be reported. For damage caused by theft, embezzlement, robbery, unauthorised use, fire, explosion, animals, an unknown vehicle, or vandalism, the driver must report the incident to the nearest police station within 12 hours.
Deductible rules	The deductible (Selbstbehalt) is individually agreed and stated in the policy certificate (Versicherungs-Urkunde). The deductible applies to all casco coverage areas: Naturgewalten, Brand/Explosion/Schmorschäden, Tierschäden, Diebstahl/Einbruchdiebstahl, Fahrzeugscheiben, Vandalismus/Parkschaden, Eigenschaden, and GAP/Neuwertdeckung. A higher deductible (erhöhter Selbstbehalt, also stated in the policy certificate) applies if a non-Allianz-approved workshop is used when Workshop Service was agreed. No deductible applies to break-in theft of personal/professional items up to EUR 1,000. No deductible on motorcycle windshield repair. Deductible waived on glass damage repaired without replacement. Vollkasko Bonus-Malus: Vandalismus/Parkschaden and Eigenschaden claims raise the premium level by 3 tiers; other casco claims do not raise the premium level.	Base deductible is EUR 500 (standard). Lower/higher options available: EUR 375, 600, 800, 1,000 or 2,000. In Vollkasko variants, doubling of the deductible for accident risk is optionally selectable. For animal collisions, animal bite damage, cable short-circuits, fire/explosion, theft and natural perils in Vollkasko: no deductible (standard); deductible applies only in 'Vollkasko mit durchgehender SB'. Glass breakage: standard deductible EUR 375; optional reduction by EUR 150; NOVUS repair waives deductible. Natural perils: optional waiver of deductible available.	A deductible applies per vehicle and per insured event at the agreed amount (Art. 8 AKKB 2024). The Bonusvollkasko products differ in the deductible levels for individual coverage types, ranging from EUR 0 to EUR 500 depending on the tier (Topschutz: EUR 300 for most perils; Standard: EUR 300; Grundschutz: EUR 500). For gross negligence coverage (optional), specific deductibles may apply. An additional deductible of EUR 250 applies to young drivers under 22 who are not the policyholder. Deductibles do not apply to vehicle recovery costs (up to 2% of replacement value per Art. 5 §5 AKKB 2024).	A deductible (Selbstbehalt) is agreed per vehicle and per claim at the amount specified in the policy. For full casco (Vollkasko), selectable deductible options are EUR 290, 350, 450, 750 or 1,500; the insured may choose a restricted deductible (applying only to accidents, parking damage, vandalism and glass) or a general deductible. For partial casco with vandalism and parking damage, a restricted deductible of EUR 290 applies; for pure elemental partial casco a deductible of EUR 140 applies only to glass breakage. If the glass damage deductible option is contracted, a flat EUR 70 applies; no deductible for small glass parts or resin repairs.
Proof and next steps
Direct payment policy	Allianz settles repair costs directly with the workshop when Allianz Workshop Service (Allianz Werkstatt-Service) is selected. In cash settlement cases, policyholders may choose a cash payout (Ablöse) instead of repair. Direct billing with the workshop is a standard service feature under Workshop Service.	The insurer pays the repair or replacement cost (minus deductible) directly after damage assessment; for partial loss, payment is triggered upon submission of a repair invoice or proof of sale in damaged condition; for theft/robbery, payment falls due after a two-month waiting period from claim notification.	The insurer pays repair costs directly or reimburses the insured after presentation of a repair invoice. For partial loss, payment is due upon presentation of an invoice for proper restoration or proof of sale in damaged condition. For theft/robbery, payment is due after expiry of a one-month recovery period. In total loss, the replacement value minus salvage value is paid.	Helvetia pays repair costs directly to partner workshops when the workshop service option is selected; for other workshops the insured pays first and is reimbursed after submission of the repair invoice.
Last verified	May 13, 2026	May 13, 2026	May 13, 2026	May 13, 2026