Wüstenrot Casco (own-damage car insurance) (Mobilitaets Kasko)

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.

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.

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).

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.

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.).

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.

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.

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).

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.