UNIQA
UNIQA is a motor casco insurance for the AT market with online purchase and 24/7 assistance.
Direct payment
UNIQA pays the insurer-assessed repair costs or replacement value directly after claim settlement; advance payments are available upon request if the liability is established but the amount cannot be determined within one month.
Geographic scope
Europe
Europa im geografischen Sinn; Geltungsbereich kann vertraglich erweitert werden
Unique selling points
- Special equipment up to EUR 6,000 is included premium-free in the Kaskoversicherung for passenger cars.
- Choice between a fixed premium rating (no increase after claims) or a no-claims discount system reducing the premium down to 45% of the base rate after 14 claim-free years.
- Auto PLUS24service provides 24/7 roadside assistance, towing and European-wide mobility services (accommodation, rental car, repatriation) included in the Premium package.
- New vehicle replacement protection: up to 100% of the purchase price is paid in case of total loss within the first 12 months of registration, without requiring an optional add-on.
- Full comprehensive (Vollkasko) coverage including accident (own/third-party fault), vandalism, parking damage, glass, and accident abroad on private trips – all included as standard in one product.
Coverage limits
Own vehicle damage (accident, own or third-party fault)
Covered
Coverage for damage to the insured vehicle caused by accident regardless of fault. Payout is either repair costs or replacement value (Wiederbeschaffungswert). For new vehicles within 24 months of first registration, an enhanced payout table applies: up to 100% of purchase price in months 1–12 (if replacement value exceeds 70%/65% of list price) and graded down to 80% in months 19–24.
Total loss
Covered
Total loss is declared when the vehicle is destroyed or lost, or when estimated repair costs plus residual value exceed the replacement value. Payout equals the replacement value (amount needed to acquire a vehicle of same type, quality and wear). For new vehicles, enhanced payout up to 100% of purchase price applies within first 12 months of registration where conditions are met. Retrieval costs (if the vehicle is found) are covered up to 5% of replacement value, max EUR 2,000.
Partial loss (repair damage)
Covered
Where no total loss exists, UNIQA pays the actual repair costs and necessary freight/transport costs for spare parts, plus towing costs to the nearest capable workshop. For passenger cars/combis/minibuses/light commercial vehicles (without special use), no age-related deduction (neu-für-alt) applies to parts and paintwork. Following an accident claim where the agreed accident deductible applies, replacement vehicle costs up to EUR 50/day and EUR 350/year are also reimbursed.
Theft, robbery and unauthorized use
Covered
Coverage for damage or loss of the vehicle through theft, robbery or unauthorized use by third parties. Also includes loss of personal belongings (excluding cash, valuables, securities, documents and ID) stored in the locked vehicle through break-in theft, up to EUR 1,000. Police report must be filed immediately.
Glass damage (windscreen, side and rear windows, small glass parts)
Covered
Coverage for breakage of front, side and rear windows regardless of cause (vehicle-type dependent). Includes glass roof. Small glass parts (headlamps, rear lights, indicators, wing mirrors) are covered for passenger cars, combis, minibuses and light commercial vehicles up to 3,500 kg. Excludes wear-related breakage of convertible rear windows.
Natural perils
Covered
Coverage for direct impact of lightning, rockfall, stone impact, landslide, avalanche, snow pressure, hail, flooding, inundation, mudflows and storm (wind speed exceeding 60 km/h), as well as roof avalanches (snow masses falling from buildings) and icicles and other ice formations falling from buildings. Also included: objects thrown at or against the vehicle by these natural forces. For EVs and plug-in hybrids, indirect lightning damage (induced electromagnetic effects) is also covered.
Vandalism and parking damage
Covered
The Premiumkasko includes both vandalism (malicious or wilful damage by third parties) and parking damage (contact by an unknown vehicle while the insured vehicle is stationary or parked) as standard covered perils. A police report must be filed immediately for both. Note: In the Kompaktkasko variant, both perils are excluded; in the Optimalkasko, vandalism is optional while parking damage is included.
Roadside assistance (Auto PLUS24service)
Covered
UNIQA Auto PLUS24service is included in the Premium package and provides 24/7 roadside assistance throughout Europe and Mediterranean coastal states. Covers: breakdown/accident assistance and towing up to EUR 350 (LKW to 3.5t up to EUR 500), vehicle recovery, and (from 50 km distance from home) overnight accommodation, rental vehicle, driver repatriation, children retrieval, medical repatriation, and spare part courier abroad.
Replacement vehicle costs
Conditional
After an accident claim where the agreed accident deductible applies, UNIQA reimburses costs for a replacement vehicle rented from a licensed car rental company or the authorized repair workshop for the duration of repair. Costs are reimbursed upon presentation of invoice up to EUR 50 per day and up to EUR 350 per calendar year. Not reimbursed if vehicle is sold in damaged condition.
Driver accident protection (Lenkerschutz)
Optional
Driver personal accident coverage (Lenkerschutz) is available as an optional add-on to all casco variants. It covers the authorized driver for personal injury sustained in an accident regardless of fault, up to EUR 1,000,000 insured sum. Coverage includes costs for medical treatment, loss of earnings, household help, and maintenance claims, as well as lump-sum payments for permanent disability or death.
Key conditions
driver_age_experience_limit
No minimum driver age or experience restriction is stated in the general conditions for the Premiumkasko. The driver must hold the legally required driving licence for the vehicle class at all times, even when driving off public roads.
repair_network_requirements
No mandatory repair network is specified; the policyholder must obtain the insurer's consent before beginning any repair work. Reimbursement for parts and paintwork is based on actual repair costs with no age-related deduction for passenger cars, combis, minibuses, and light commercial vehicles up to 3,500 kg.
territorial_scope
Coverage applies throughout Europe in the geographic sense, including all states that have signed the Green Card Agreement (as listed in the Annex). Coverage is not interrupted during water transport of the vehicle, provided both loading and unloading ports are within the covered territory. The territorial scope can be extended contractually.
anti_theft_requirements
Personal items with a new value exceeding EUR 100 must be stored in the vehicle in a manner not visible from outside. Storage in an externally visible bag does not satisfy this requirement. No specific anti-theft device requirement for the vehicle itself is stated in the general conditions.
claim_notification_deadline
The claim event and the initiation of any related administrative or criminal proceedings must be reported to the insurer within one week of gaining knowledge. For theft, robbery, unauthorized use, fire, explosion, animal contact (excluding bites), parking damage or vandalism, the incident must be reported to the nearest police station immediately.
deductible_rules
The policyholder can choose between a restricted deductible or a general deductible, each available at EUR 175 or EUR 350 per claim per vehicle. A higher deductible reduces the premium. The deductible does not apply to replacement vehicle costs. In a total loss case, if the declared vehicle value was understated relative to the list price, the payout is proportionally reduced.
Documents
Kraftfahrzeug-Premiumkasko-Versicherung – Informationsblatt zu Versicherungsprodukten (03.2019)
ipid
Allgemeine Bedingungen für die Bonus-Kaskoversicherung mit Fixstufen (ABBKF 2021)
terms_and_conditions
Allgemeine Bedingungen für die Bonus-Kaskoversicherung mit Umreihung (ABBKU 2021)
terms_and_conditions
Kfz-Versicherung Leistungsübersicht Teil-/Vollkasko – PKW (09.2025)
benefits_table
Policy specifics
Accident damage to own vehicle
Coverage for own vehicle damage caused by accidents regardless of fault (own or third-party fault)
Vandalism and parking damage
Optional additional coverage for vandalism and parking damage
Special equipment coverage
Free coverage for vehicle special equipment and accessories up to EUR 6,000
Natural hazard and weather damage
Coverage for damage from storm, hail, flooding, snow pressure, rockfall, avalanche, and similar natural events
Fire and explosion damage
Coverage for fire, explosion, and cable damage from electrical short circuits
Animal collision and bite damage
Coverage for collision with wild animals and bite damage to vehicle parts
Innovation package for electrical components
Optional coverage for secondary damage to control devices from short circuits and cable damage, and marten bites (up to EUR 3,500 per incident)
Leisure items coverage
Compensation for loss of personal leisure items stored in or on the vehicle (up to EUR 3,000 per claim)
New vehicle replacement protection
Full purchase price replacement up to 100% in case of total loss within first 12 months; long-term protection available up to 48 months
Careless conduct coverage
Additional protection if damage occurs due to unintentional careless behavior
Fixed bonus classification
Option to maintain fixed Kasko premium rating regardless of claims history
Adjustable bonus classification (Umreihung)
Kasko rating reduces by one step after 12 months claim-free; increases by one step per claim up to maximum class
Deductible (Selbstbehalt) options
Choice between restricted deductible and general deductible, each at EUR 175 or EUR 350
Repair pre-approval requirement
Insured must obtain UNIQA consent before beginning repairs
Claim notification deadline
Claim event and any legal proceeding must be reported to insurer within one week
Police report requirement for specific claims
For theft, robbery, unauthorized use, fire, explosion, animal damage, parking damage, or vandalism, police report must be filed immediately
Coverage geographic scope
Insurance protection applies in Europe as defined by geography; scope can be contractually extended
Full disclosure obligation
Customer must fully and honestly disclose all insured risks before contract signing and throughout contract duration