Generali
Generali is a motor casco insurance for the AT market with online purchase and 24/7 assistance.
Direct payment
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.
Geographic scope
AT
Europa im geographischen Sinn, jedenfalls die Vertragsstaaten des Übereinkommens der nationalen Versicherungsbüros des EWR und anderer assoziierter Staaten vom 30. Mai 2002
Unique selling points
- 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.
Coverage limits
Own damage (accident)
Covered
Covers damage to the insured vehicle caused by an accident (external, sudden, mechanical force); brake, operating and pure breakage damage are excluded; available only in Vollkasko variants.
Total loss (replacement value)
Covered
In total loss, the insurer pays the replacement value (Wiederbeschaffungswert) — the cost to acquire a vehicle of the same type, quality and condition at the time of loss. Deductible applies. For vehicles not older than 48 months, the optional Neuwertklausel module allows compensation based on purchase price instead of replacement value (100% up to 12 months, scaling to 60% at 48 months).
Partial loss (repair costs)
Covered
Pays restoration costs plus necessary freight and transport costs for spare parts. In case of sale in damaged condition, pays the difference between replacement value and the damaged vehicle's value. For PKW/Kombi/LKW up to 1.5t, no 'new for old' deduction is made within the first three years of first registration (except tyres, battery, paint). Drive battery ('Antriebsakkumulator') subject to 10% per year of operation deduction.
Theft, robbery and unauthorised use
Covered
Covers loss of the vehicle and its parts through theft, robbery or unauthorised use by non-authorised third parties. Claim falls due after a two-month waiting period. Recovered items after two months become property of the insurer. Retrieval costs up to 2% of replacement value are reimbursed without deductible.
Glass damage (windscreen, side, rear, roof)
Covered
Breakage damage to windscreen (front), side and rear windows and glass roofs without regard to cause, for PKW/Kombi/LKW up to 1.5t. Included in all casco variants with SB EUR 375. Deductible reduced by EUR 150 optional; deductible waived if repaired using NOVUS method. Kleinglasschutz (headlights, indicators, celluloid, rear/fog lights, mirrors) included without deductible in all variants.
Natural perils
Covered
Covers direct impact of lightning, rockfall, landslide, mudslide, avalanche, snow pressure, hail, flooding, storm (>60 km/h wind speed), as well as objects thrown against the vehicle by these forces. In all casco variants with deductible EUR 375–2000; optional waiver of deductible available for natural perils.
Vandalism (malicious acts by third parties)
Covered
Covers damage caused by malicious or wilful acts of third parties (non-authorised persons). Included in Vollkasko variants and Parkschadenkasko variants; not covered in Teilkasko. Deductible EUR 375–2000 applies.
Roadside assistance (Tip&Tat KfzAktiv Plus)
Optional
24/7 roadside and breakdown assistance available as an optional add-on module (Tip&Tat KfzAktiv Plus). Includes emergency help at the scene, costs of onward travel or overnight stays, and digital breakdown service via digitalepannenhilfe.at. Can be combined with any Kfz-Haftpflicht or Kasko product for PKW/Kombi/LKW up to 1.5t, motorhomes up to 3.5t and motorcycles.
Rental car deductible benefit (Mietwagen-Vorteil)
Optional
Optional add-on available only in conjunction with Vollkasko variants. After a covered loss event involving a rented vehicle (PKW/Kombi – rental car max. 4 weeks, car-sharing max. 24 hours) used by the policyholder (natural person), the same deductible as for the own fully comprehensively insured vehicle applies. The difference is reimbursed if the rental car deductible is higher. Subsidiary coverage up to EUR 1,000 for theft of personal belongings from the locked rental vehicle.
Driver accident coverage
Optional
Driver personal accident coverage is not part of the Kasko product itself. Generali offers a separate Kfz-Insassenunfallversicherung (occupant accident insurance) as a stand-alone optional add-on to any Kfz insurance contract. The Kasko policy (AKKB 2025) does not cover personal injury or invalidity of the driver.
Key conditions
driver_age_experience_limit
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).
repair_network_requirements
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.
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.
anti_theft_requirements
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.
claim_notification_deadline
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.
deductible_rules
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.
Where to buy
Policy specifics
Cyber protection for vehicle software
Coverage for repair costs due to unauthorized manipulation of original vehicle software through cyberattacks
EV charger protection
Coverage for repair costs from indirect lightning damage or charger malfunction, and theft compensation for portable chargers and cables
Fire containment and storage costs
Subsidiary coverage of extinguishing and storage costs to prevent imminent combustion of the insured vehicle
New value replacement guarantee
100% replacement of purchase price for total loss or theft within 12 months; extended protection based on purchase price (not replacement value) for up to 48 months from first registration
Deductible (self-retention) options
Casco coverage available with either limited or general self-retention (deductibles) at values of EUR 325, 400, 500, 700, 1000, or 2000
Pre-inspection requirement for used vehicles
Casco insurance for used vehicles requires a pre-damage inspection (Vorschadenbesichtigung)
Bonus-Malus rating system
Casco insurance grading aligned with motor third-party liability bonus-malus level at time of casco contract conclusion; grading is fixed once and does not change with subsequent liability insurance changes
Garage storage discount
Premium reduction available for vehicles kept in a garage during periods of temporary suspension from use