Casco (own-damage car insurance) — Germany

[1] Own damage: Covered ↩

Compensation for damage, destruction, total loss or loss of the insured vehicle is capped at the vehicle's new price (Neupreis); settlement is based on replacement value minus residual value, or on repair costs up to replacement value, across all three tiers (Basis, Komfort, Premium).

Die Höchstentschädigung für den Fahrzeugschaden nach Ziffer 1.5.1 und 1.5.2 ist beschränkt auf den Neupreis des Fahrzeugs.

[2] Total loss: Covered ↩

If total loss or theft occurs shortly after first registration, ADAC pays the new price instead of replacement value: within 12 months in Basis, 24 months in Komfort, and 36 months in Premium (extendable by a further 24 months via the optional Werterhaltgarantie add-on). Used vehicles purchased second-hand receive an equivalent purchase-price indemnity on the same 12/24/36-month schedule. An additional EUR 2,500 e-car switch bonus is paid on top of the new-price indemnity if the replacement vehicle is a fully electric car.

es tritt innerhalb von 12 Monaten nach Erstzulassung des Fahrzeugs ein Totalschaden oder der Verlust des Fahrzeugs ein.

[3] Partial loss: Covered ↩

Repair costs are reimbursed up to the replacement value of the vehicle; if the vehicle is not, or not fully, repaired, compensation is capped at replacement value minus residual value. An agreed deductible applies per claim, subject to the waivers described in the deductible rules.

Wenn das Fahrzeug vollständig und fachgerecht repariert wird, gilt: Wir zahlen die hierfür erforderlichen Kosten bis zur Höhe des Wiederbeschaffungswerts.

[4] Theft & robbery: Covered ↩

Covers theft, robbery, surrender under extortion, unauthorized use by persons with no entitlement, and damage caused by a completed or attempted theft; vandalism inflicted during the theft or attempted theft is excluded (covered instead under the comprehensive-cover malicious-acts benefit). Also reimburses the cost of replacing door/steering locks or recoding if vehicle keys are robbed or stolen, provided the incident is reported to the police.

Dies gilt nicht für Vandalismusschäden, die anlässlich der Entwendung oder des Entwendungsversuchs herbeigeführt werden. Beispiele: Aufschlitzen des Sitzes, Tritte gegen das Fahrzeug

[5] Glass damage: Covered ↩

Breakage damage to glazing (windscreens, side/rear/roof windows, mirror glass, light covers) is covered; consequential damage is excluded. In Basis, repairs done outside ADAC's designated glass partner are reimbursed at only 80% of cost; where repair is done without a full pane replacement at a chosen partner workshop, the deductible is waived.

Wir erstatten Ihnen dann nur 80% der erforderlichen Reparaturkosten nach b).

[6] Natural perils: Covered ↩

Covers direct impact of storm (wind force 7 or higher), hail, flooding, subsidence, landslide, snow pressure/breakage, avalanche (incl. roof avalanche), mudslide, volcanic eruption and earthquake, including objects thrown against the vehicle by these forces.

Sturm - ist eine wetterbedingte Luftbewegung von mindestens Windstärke 7 ... Hagel ... Überschwemmung

[7] Vandalism: Conditional ↩

Included only under fully comprehensive cover (Vollkasko), not under partial cover (Teilkasko): malicious acts by persons with no entitlement to use the vehicle, including hacking attacks directed unmittelbar against the vehicle itself.

Bei Hackerangriffen (siehe hierzu Absatz 2) auf Ihr Fahrzeug gilt: Versichert sind auch Schäden durch mut- oder böswillige Handlungen wegen eines unmittelbar gegen Ihr Fahrzeug gerichteten Hackerangriff.

[8] Roadside assistance: Covered ↩

Towing costs from the scene of damage to the nearest suitable repair workshop are covered after damage or total loss; under the Werkstattbonus module, ADAC additionally organizes and pays for transport of the vehicle to and from the chosen partner workshop.

Bei Beschädigung oder Totalschaden des Fahrzeugs ersetzen wir die Kosten für das Abschleppen vom Schadenort bis zur nächstgelegenen für die Reparatur geeigneten Werkstatt.

[9] Replacement vehicle: 7 days ↩

If the vehicle is repaired at a workshop chosen by ADAC (Werkstattbonus), a smallest-category replacement car is provided for up to 7 days during the repair; this benefit does not apply to glass-only (windscreen) claims.

Wir vermitteln Ihnen einen Ersatzwagen der kleinsten Kategorie (Kleinwagen) für die Dauer der Reparatur. Dabei zahlen wir die Kosten für maximal 7 Tage.

[10] Driver accident: €15,000,000 ↩

Optional add-on module (available with Komfort and Premium, not part of Basis) covering personal injury or death of the authorized driver resulting from an accident while steering the vehicle, up to EUR 15 million per event, treated as though a third party were liable.

Unsere Zahlungen für ein Schadenereignis sind beschränkt auf 15 Millionen EUR.

[11] Own damage: Covered ↩

Vollkasko covers damage to the insured vehicle from self-caused accidents (Unfall) and from malicious acts by unauthorized third parties, in addition to all Teilkasko perils. Compensation is capped at the vehicle's Neupreis (new price) under the maximum indemnity rule (A.2.5.6); an extra €1,500 deductible applies if the vehicle was driven by a person not named in the policy (A.2.5.8.3).

Versichert sind Schäden am Pkw durch Unfall.

[12] Total loss: Covered ↩

AdmiralDirekt pays the Wiederbeschaffungswert (replacement value) less any residual value. A new-/purchase-price indemnity applies within 6 months of first registration in all tariffs (Basis), extended to 24 months in Komfort and 36 months in Premium for new vehicles; for used vehicles the paid purchase price is reimbursed within 24 months (Komfort) or 36 months (Premium) of purchase. Overall indemnity is capped at the vehicle's Neupreis (A.2.5.1, A.2.5.6).

Bei Totalschaden, Zerstörung oder Verlust des Pkw zahlen wir den Wiederbeschaffungswert unter Abzug eines vorhandenen Restwerts des Pkw.

[13] Partial loss: Covered ↩

Repair costs are reimbursed up to the Wiederbeschaffungswert if the vehicle is fully and properly repaired (proven by invoice); otherwise up to the Wiederbeschaffungswert less residual value. Komfort and Premium tariffs waive the 'new-for-old' deduction on replacement parts and paint (A.2.5.2.1, A.2.5.2.3).

Wenn der Pkw vollständig und fachgerecht repariert wird, gilt: Wir zahlen die hierfür erforderlichen Kosten bis zur Höhe des Wiederbeschaffungswerts nach A.2.5.1.6, wenn Sie uns dies durch eine Rechnung nachweisen.

[14] Theft & robbery: Covered ↩

Teilkasko covers theft, robbery, extortion-induced surrender of the vehicle, and explicitly covers vehicle theft via keyless-entry relay attacks or signal jamming (Jamming/Relay Attack). A 10% deduction applies to the indemnity if the vehicle lacked a self-arming electronic immobilizer at the time of theft (A.2.2.1.2, A.2.5.1.4).

Versichert sind Diebstahl und Raub sowie die Herausgabe des Pkw aufgrund räuberischer Erpressung. Auch im Fall von Jamming oder Relay Attack besteht Versicherungsschutz für die Entwendung des Fahrzeugs und seiner mitversicherten Fahrzeugteile

[15] Glass damage: Covered ↩

Glass breakage to windows, mirror glass and light covers is covered under Teilkasko in all tariffs, reimbursed up to the Wiederbeschaffungswert against invoice. The deductible is waived if the damage is repaired (not replaced) by a workshop nominated by AdmiralDirekt (A.2.2.1.6, A.2.5.2.4, A.2.5.8.2).

Versichert sind Bruchschäden an der Verglasung des Pkw.

[16] Natural perils: Covered ↩

Teilkasko covers direct damage from storm (wind force 8+), hail, lightning, flooding, avalanches, earthquake, subsidence, landslide and volcanic eruption, including objects thrown onto the vehicle by these forces, in all tariffs (A.2.2.1.3).

Versichert ist die unmittelbare Einwirkung von Sturm, Hagel, Blitzschlag, Überschwemmung, Lawinen, Erdbeben, Erdfall, Erdrutsch oder Vulkanausbruch auf den Pkw.

[17] Vandalism: Covered ↩

Vollkasko covers malicious or spiteful acts (Vandalismus) committed by persons who have no right to use the vehicle, in all three tariffs (A.2.2.2.3).

Versichert sind mut- oder böswillige Handlungen von Personen, die in keiner Weise berechtigt sind, den Pkw zu gebrauchen.

[18] Roadside assistance: Optional ↩

Roadside assistance is provided under the separate Schutzbriefversicherung (A.3), a legally independent contract that must be separately agreed and named in the policy schedule; it is not automatically bundled with Kasko cover, though it is commonly marketed alongside the Premium tariff.

Wir erbringen nach Eintritt der in A.3.5 bis A.3.9 genannten Schadenereignisse die dazu im Einzelnen aufgeführten Leistungen als Service oder erstatten die von Ihnen und/oder einer mitversicherten Person aufgewendeten Kosten im Rahmen dieser Bedingungen.

[19] Replacement vehicle: Optional ↩

A small replacement vehicle during repair is provided as a free additional benefit only when the optional Werkstattbonus service is booked and the vehicle is repaired in a partner workshop; it is not part of the standard Kasko cover (A.2.5.2.5).

kleines Ersatzfahrzeug,

[20] Driver accident: Optional ↩

Accident cover for the driver is provided under the separate Fahrerunfallversicherung (A.4), a legally independent contract that must be separately selected and named in the policy schedule.

A.4 Fahrerunfallversicherung

[21] Own damage: Conditional ↩

Vollkasko covers damage to the insured vehicle caused by an accident (a sudden, external event acting on the vehicle with mechanical force), including reciprocal towing-vehicle/trailer damage without external impact. Reimbursement is the actual necessary repair cost, capped at the replacement value (Wiederbeschaffungswert); if not repaired, replacement value minus residual value is paid. Not available under Teilkasko alone.

[22] Total loss: Covered ↩

A total loss occurs when the necessary repair costs exceed the replacement value. In the base 'Direct' line, Allianz Direct pays the replacement value minus the residual value. In 'Direct Plus', within the first 24 months after first registration to the current holder, Allianz Direct instead pays the purchase price (or, for a new vehicle bought from the manufacturer/dealer, the new price) minus residual value. The overall maximum compensation for vehicle damage is limited to the vehicle's new price.

Unsere Höchstentschädigung für den Fahrzeugschaden nach Teil A.2 Ziffer 7 bis Teil A.2 Ziffer 10 ist beschränkt auf den Neupreis des Fahrzeugs.

[23] Partial loss: Covered ↩

Covers the actual and necessary repair costs, evidenced by invoice, up to the replacement value, for damage covered under Teilkasko and Vollkasko. Pre-existing damage that would necessarily be remedied during the repair, and costs for alterations, improvements, ageing or wear, are deducted. Tuning parts and special paint/foil are only co-insured up to a value of 20,000 EUR.

[24] Theft & robbery: Covered ↩

Covers theft, robbery and extortion-based dispossession (completed or attempted) of the vehicle or its contents, under both Teilkasko and Vollkasko. Base line 'Direct' reimburses the replacement value. In 'Direct Plus', within the first 24 months after first registration to the current holder, the purchase price/new price is paid instead. The overall maximum compensation for vehicle damage is limited to the vehicle's new price. If the vehicle is recovered within one month of the loss report, the policyholder must take it back.

Unsere Höchstentschädigung für den Fahrzeugschaden nach Teil A.2 Ziffer 7 bis Teil A.2 Ziffer 10 ist beschränkt auf den Neupreis des Fahrzeugs.

[25] Glass damage: Covered ↩

Covers breakage of glazing (windscreen, rear/roof/side windows, mirror glass, light covers), excluding glass/plastic parts of sensor, assistance, camera and information systems, solar modules, displays, monitors and bulbs. No deductible is applied if the glass damage repair is carried out without replacing the pane.

[26] Natural perils: Covered ↩

Covers damage directly caused by storm from wind force 7, hurricane, hail, lightning strike, flood, earthquake, subsidence, landslide, avalanche, snow-slide from roofs, mudslide and volcanic eruption, including objects thrown onto or against the vehicle by these forces.

[27] Vandalism: Conditional ↩

Only Vollkasko covers malicious or spiteful acts by persons not entitled to use the vehicle, including damage from a hacker attack that directly manipulates the vehicle's own software. Not covered: damage arising when a hacker attacks a server or digital platform of a company communicating with the vehicle and thereby manipulates the vehicle software. Not covered at all under Teilkasko.

[28] Roadside assistance: €750 ↩

Separately selectable 'Mobilitätsgarantie' covers breakdown assistance, towing to a chosen workshop, vehicle recovery from off-road positions (up to 750 EUR), a rental car or travel-cost reimbursement (up to 30 EUR/day, for 5 days on breakdown/key issues, 15 days on accident/parts theft, 30 days on vehicle theft), and hotel accommodation (up to 100 EUR per person/night, capped at 3–5 nights). Only applies to the insured vehicle up to 3.5 tonnes (plus trailer/caravan up to 750 kg).

[29] Replacement vehicle: Conditional ↩

A replacement vehicle of the smallest category is provided for the duration of the repair, but only when repairs are carried out at a partner workshop selected by Allianz Direct. Not provided for glass-only damage, and not provided if the policyholder chose the 'Freie Werkstattwahl' (free workshop choice) option.

[30] Driver accident: Optional ↩

Separately selectable Fahrerschutzversicherung compensates the authorised driver's own personal injury or death caused by an accident while driving the insured vehicle, as if a third party were liable. Payment is capped at the sum insured stated in the policy schedule.

[31] Own damage: Covered ↩

Covers damage to the insured vehicle, its fixed parts and accessories kept under lock (including EV/hybrid charging cables). Repair costs are reimbursed up to the replacement value (Wiederbeschaffungswert); total compensation for own-damage claims is capped at the vehicle's new price (Neupreis) under the 04/2026 edition.

Unsere Höchstentschädigung für den Fahrzeugschaden nach Teil A.2 Ziffer 7 bis Teil A.2 Ziffer 10 ist beschränkt auf den Neupreis des Fahrzeugs.

[32] Total loss: Covered ↩

In case of total loss, the replacement value (Wiederbeschaffungswert) minus residual value is paid. Under the Direct Plus line, within the first 24 months after first registration to the current keeper, the purchase price or new price is paid instead (minus residual value), with no EUR cap under the 04/2026 edition.

Wir zahlen dir den Wiederbeschaffungswert und ziehen davon den vorhandenen Restwert deines Fahrzeugs ab.

[33] Partial loss: Covered ↩

Covers the actually incurred and necessary repair costs up to the replacement value. Repair must normally take place at a workshop chosen by Allianz Direct; a deductible per Versicherungsschein applies per claim event, except for glass repairs carried out without a pane replacement.

Wir zahlen dir die für die Reparatur tatsächlich angefallenen und erforderlichen Kosten bis maximal zum Wiederbeschaffungswert (siehe hierzu Teil A.2 Ziffer 9).

[34] Theft & robbery: Covered ↩

Covers theft, robbery and (attempted or completed) extortion of the vehicle or its contents; the replacement value is paid (or the purchase/new price under Direct Plus within 24 months of first registration). Vandalism damage occurring during the theft or attempted theft is not covered under this heading.

Wenn dein Fahrzeug gestohlen wurde, erstatten wir dir den Wiederbeschaffungswert.

[35] Glass damage: Covered ↩

Covers breakage of glazing (e.g. windscreen, rear, roof and side windows), mirror glass and light covers; glass/plastic parts of sensor, assistance, camera and information systems, solar modules, displays, monitors and light bulbs are excluded.

Bruch der Verglasung. Als Verglasung gilt nur: Glas- und Kunststoffscheiben (z. B. Front-, Heck-, Dach-, Seitenscheiben), Spiegelglas und Abdeckungen von Leuchten.

[36] Natural perils: Covered ↩

Covers damage directly caused by storm from wind force 7 upward, hurricane, hail, lightning, flooding, earthquake, subsidence, landslide, avalanche, snow-slide avalanche, mudslide and volcanic eruption, including objects thrown onto or against the vehicle by these forces.

Schäden, die unmittelbar verursacht wurden durch: Sturm ab Windstärke 7, Hurrikan, Hagel, Blitzschlag, Überschwemmung, Flut, Erdbeben, Erdfall, Erdrutsch, Lawine, Dachlawine, Mure, Vulkanausbruch.

[37] Vandalism: Conditional ↩

Covers malicious or spiteful acts by persons not entitled to use the vehicle, including hacker attacks directly targeting the vehicle's own software; damage from a hacker attacking a third-party server or digital platform that then manipulates the vehicle software is excluded. Only included under comprehensive cover (Vollkasko), not under partial cover (Teilkasko).

Bei Hackerangriffen, also einer Manipulation der Fahrzeugsoftware durch einen unberechtigten Dritten, auf dein Fahrzeug gilt: Versichert sind auch Schäden durch mut- oder böswillige Handlungen wegen eines unmittelbar gegen dein Fahrzeug gerichteten Hackerangriffs.

[38] Roadside assistance: Optional ↩

Towing of the vehicle from the scene of an insured casco loss event to a workshop chosen by Allianz Direct is included within the casco cover itself. Broader roadside assistance for breakdowns, key loss, and accident/theft-related mobility support (courtesy transport, vehicle recovery up to 750 EUR, hotel costs, vehicle repatriation) requires the separate, optional 'Mobilitätsgarantie' product, which is not part of casco.

Abschleppen: Ist dein Fahrzeug nach einem Versicherungsfall nicht fahrfähig oder nicht verkehrssicher, lassen wir dieses vom Schadensort in die von uns gewählte Werkstatt verbringen.

[39] Replacement vehicle: Conditional ↩

A replacement vehicle of the smallest category is provided for the duration of the repair at a partner workshop, but only under the 'Direct Plus' product line (Teil A.7 'Werkstattersatzwagen'); no replacement vehicle is provided for glass damage claims or if the policyholder chose the 'free workshop choice' add-on.

Bei der Reparatur eines Kaskoschadens nach Teil A.2 bekommst du zusätzlich zu Teil A.2 Ziffer 7 einen Ersatzwagen der kleinsten Kategorie für die Dauer der Reparatur in einer unserer Partnerwerkstätten.

[40] Driver accident: Optional ↩

Personal injury suffered by the driver in an at-fault accident is compensated as if a third party were liable, up to the sum insured stated in the Versicherungsschein. This is a separate, optional product (Fahrerschutzversicherung) and is not automatically part of casco cover.

Der berechtigte Fahrer wird beim Lenken des versicherten Fahrzeugs durch einen Unfall verletzt oder getötet.

[41] Own damage: €75,000 – €150,000 ↩

Overall Kasko cover and the maximum indemnity are capped at the vehicle's Neupreis (list price). The maximum insurable new value of the vehicle differs by tariff: compact up to €75,000, classic up to €125,000, comfort up to €150,000.

Maximaler Neuwert des versicherten Fahrzeugs 75.000 €2 125.000 €2 150.000 €2

[42] Total loss: €75,000 – €150,000 ↩

On total loss, destruction or theft, the insurer pays the Wiederbeschaffungswert (replacement value) less any residual value, up to the tier ceiling (compact €75,000 / classic €125,000 / comfort €150,000). New-value compensation (full list price) applies if the loss occurs within 12 months (compact), 24 months (classic) or 36 months (comfort) of first registration. For used vehicles, purchase-price compensation applies within 12 months (classic) or 24 months (comfort) of registration to the policyholder; not available in compact.

Neuwertentschädigung für Neufahrzeuge 12 Monate 24 Monate 36 Monate

[43] Partial loss: Covered ↩

If the vehicle is damaged, the insurer pays the necessary repair costs up to the Wiederbeschaffungswert (fully and properly repaired, proven by invoice) or up to the residual-value-adjusted Wiederbeschaffungswert otherwise. Choosing Werkstattbindung (repair at a partner workshop) reduces the deductible and adds free courtesy services; in the compact tariff, Werkstattbindung is mandatory.

Wenn das Fahrzeug vollständig und fachgerecht repariert wird, gilt: Wir zahlen die hierfür erforderlichen Kosten bis zur Höhe des Wiederbeschaffungswerts nach A2.5.1.9, wenn Sie uns dies durch eine Rechnung nachweisen.

[44] Theft & robbery: Covered ↩

Theft, robbery and unauthorized use of the vehicle are core Teilkasko perils included in all three tariffs, compensated up to the Wiederbeschaffungswert/tier ceiling. In addition, costs for replacing locks, keys or re-coding after a break-in or robbery are reimbursed up to €2,500; this supplementary benefit is available in the classic and comfort tariffs but not in compact.

Brand und Explosion – Entwendung (Diebstahl, Raub) – Glasbruch

[45] Glass damage: Covered ↩

Breakage of windows, mirrors and light-lens glass is covered as a core Teilkasko peril in all three tariffs (excludes camera/sensor/display glass). Resulting interior cleaning costs are reimbursed up to €50, and replacement of a vignette/emissions sticker destroyed by the glass breakage up to €100.

Ebenfalls werden die dadurch verursachten Reinigungskosten des Fahrzeuginnenraumes bis höchstens 50 EUR erstattet.

[46] Natural perils: Conditional ↩

Storm, hail, lightning strike, flood and collision with animals are core Teilkasko perils included in all three tariffs. Extended natural perils (earthquake, volcanic eruption, mudslide, avalanches incl. roof avalanches) are not included in compact but are included in classic and comfort. Follow-on power-surge (lightning) damage to wiring/electronics is covered up to €10,000 in classic and €20,000 in comfort; not available in compact.

Schäden bei Überspannung durch Blitzschlag – 10.000 € 20.000 €

[47] Vandalism: Conditional ↩

Damage from accidents or vandalism/malicious acts by unauthorized third parties is covered under Vollkasko (comprehensive) in all three tariffs, up to the Wiederbeschaffungswert/tier ceiling; this cover activates only when Vollkasko (not Teilkasko-only) is selected.

Schäden bei Unfall oder durch Vandalismus

[48] Roadside assistance: €250 – €1,500 ↩

The Schutzbrief is a separately purchased, legally independent add-on (sold alongside MTPL) covering breakdown/accident assistance: restoring drivability up to €250, towing up to €250 (€400 for campers/vans up to 3.5t), recovery/salvage up to €1,500, plus incorrect-fuel assistance up to €500 and key/replacement-key courier costs up to €110. Benefit depth varies by the underlying tariff variant chosen for the Schutzbrief.

Der Höchstbetrag für diese Leistung beläuft sich einschließlich der vom Pannenhilfsfahrzeug mitgeführten und verwendeten Kleinteile auf 250 EUR.

[49] Replacement vehicle: 14 days ↩

The Mobilitätspolice is an optional add-on (Pkw only) providing a same-class rental car nationwide within Germany for up to 14 days following an insured Kasko total loss, breakdown-related immobilization, or theft. Not available in the compact tariff. Separately, choosing Werkstattbindung already includes a free courtesy car (at least small-car category) for the repair duration at partner workshops.

Im Kasko-Schadenfall bieten wir einen klassengleichen Mietwagen bis zu 14 Tage im classic und comfort

[50] Driver accident: €1,000,000 ↩

Fahrerschutzversicherung is an optional add-on (Pkw/Campingfahrzeuge, in conjunction with MTPL) compensating the driver's own personal injury as if a third party were liable, e.g. lost income (up to €2,000/month for 12 months), rehabilitation (up to €50,000), disability-related conversions (up to €50,000) and funeral costs (up to €3,500), subject to an overall cap of €1,000,000 per claim event.

Unsere Leistungen der Fahrerschutzversicherung für ein Schadenereignis sind auf eine Versicherungssumme von 1 Mio.EUR begrenzt.

[51] Own damage: Covered ↩

The insured vehicle is covered against damage, destruction, total loss or loss resulting from an event under Teilkasko (A.2.2.1) or Vollkasko (A.2.2.2).

Versichert ist Ihr Fahrzeug gegen Beschädigung, Zerstörung, Totalschaden oder Verlust infolge eines Ereignisses nach A.2.2.1 (Teilkasko) oder A.2.2.2 (Vollkasko).

[52] Total loss: Covered ↩

In the event of total loss, destruction or loss, AXA pays the replacement value (Wiederbeschaffungswert) less any residual value; maximum compensation is capped at the new price (Neupreis) of the vehicle.

Bei Totalschaden, Zerstörung oder Verlust des Fahrzeugs zahlen wir den Wiederbeschaffungswert unter Abzug eines vorhandenen Restwerts des Fahrzeugs.

[53] Partial loss: Covered ↩

If the vehicle is damaged, AXA pays the costs required for a full and proper repair up to the replacement value, evidenced by invoice; without an invoice or if repair is incomplete, payment is capped at replacement value less residual value, with a 'new for old' deduction on replaced parts.

Wenn das Fahrzeug vollständig und fachgerecht repariert wird, gilt: Wir zahlen die hierfür erforderlichen Kosten bis zur Höhe des Wiederbeschaffungswerts nach A.2.5.1.5, wenn Sie uns dies durch eine Rechnung nachweisen. Fehlt dieser Nachweis, zahlen wir entsprechend A.2.5.2.1.b.

[54] Theft & robbery: Covered ↩

Covers theft, robbery and surrender of the vehicle due to robbery-related extortion; embezzlement and unauthorised use are covered only under specified conditions (e.g. not by persons entrusted with the vehicle or closely related to the policyholder).

Versichert ist die Entwendung in nachfolgenden Fällen: a. Versichert sind Diebstahl und Raub sowie die Herausgabe des Fahrzeugs aufgrund räuberischer Erpressung.

[55] Glass damage: Covered ↩

Breakage damage to the vehicle's glazing (windscreen, rear, side and partition windows, mirror glass, light covers) is covered; consequential damage is excluded, and instructions must be obtained before repair if a driver-assistance system needs recalibration.

Versichert sind Bruchschäden an der Verglasung des Fahrzeugs. Nicht versichert sind Folgeschäden.

[56] Natural perils: Covered ↩

Covers direct impact of storm (wind force 8+), avalanche, hail, lightning strike or flood on the vehicle, including objects thrown onto/against the vehicle by these forces.

Versichert ist die unmittelbare Einwirkung von Sturm, Schneelawine, Hagel, Blitzschlag oder Überschwemmung auf das Fahrzeug.

[57] Vandalism: Conditional ↩

Malicious or wanton acts by persons who have no right whatsoever to use the vehicle are covered, but only under the Vollkasko (comprehensive) cover, not under Teilkasko.

Versichert sind mut- oder böswillige Handlungen von Personen, die in keiner Weise berechtigt sind, das Fahrzeug zu gebrauchen.

[58] Roadside assistance: Covered ↩

If the vehicle is damaged, AXA reimburses towing costs from the scene of the damage to the nearest workshop suitable for the repair, provided this does not exceed the overall repair cost cap. This is limited to towing after a covered damage event; it is not a general 24/7 breakdown/roadside assistance service (Schutzbrief).

Bei Beschädigung des Fahrzeugs ersetzen wir die Kosten für das Abschleppen vom Schadenort bis zur nächstgelegenen für die Reparatur geeigneten Werkstatt, wenn nicht ein Dritter Ihnen gegenüber verpflichtet ist, die Kosten zu übernehmen.

[59] Replacement vehicle: Excluded ↩

AXA does not reimburse loss of use, or the cost of a rental vehicle, as these are explicitly listed as consequential losses that are not compensated under this product.

Ebenfalls nicht ersetzt werden Folgeschäden wie Verlust von Treibstoff, Wertminderung, Zulassungskosten, Überführungskosten, Verwaltungskosten, Nutzungsausfall oder Kosten eines Mietfahrzeugs.

[60] Driver accident: Optional ↩

Occupant accident cover (invalidity, hospital daily allowance, death benefit) is a legally separate insurance type (A.3) that must be separately agreed; it is not automatically bundled with Kasko cover, and sums insured are shown in the Versicherungsschein.

Diese Versicherungen werden als jeweils rechtlich selbstständige Verträge abgeschlossen.

[61] Own damage: Covered ↩

Covers damage to the insured car caused by an accident (sudden external event with mechanical force). Maximum indemnity is capped at the vehicle's new purchase price (Neupreis). Included in all tiers Komfort M, L and XL.

Unsere Höchstentschädigung ist beschränkt auf den Neupreis des Pkw nach A.2.5.1.7.

[62] Total loss: Conditional ↩

Base compensation is the replacement value (Wiederbeschaffungswert) minus residual value. New-value compensation (Neuwertentschädigung) after total loss or theft applies for 6 months after first registration in Komfort M (extendable to 24 months as an optional Kasko extension), and for 24 months in Komfort L and XL. Purchase-value compensation (Kaufwertentschädigung) applies for 3 months in Komfort M (optional extension to 24 months), and 24 months in Komfort L and XL.

Neuwertentschädigung bei Totalschaden oder Diebstahl 6 Monate optional 24 Monate im Rahmen der Leistungserweiterung Kasko 24 Monate 24 Monate

[63] Partial loss: Covered ↩

If the car is damaged, repair costs are paid up to the replacement value (Wiederbeschaffungswert); if not repaired, costs are paid up to replacement value minus residual value. No deduction 'new for old' is applied on replaced parts or repainting (with limits for EV/hybrid battery age). Included in all tiers.

Wird der Pkw beschädigt, zahlen wir die für die Reparatur erforderlichen Kosten bis zu folgenden Obergrenzen

[64] Theft & robbery: €1,000 ↩

Theft and robbery of the vehicle are covered in all tiers (Komfort M, L, XL), compensated at replacement value up to the vehicle's new price. Lock/key replacement after burglary or robbery of keys is covered up to 1,000 EUR. A percentage deduction applies on theft indemnity unless the car had a recognised immobiliser.

Austausch von Schlössern nach Einbruchdiebstahl / Raub d. Schlüssel bis 1.000€ bis 1.000€ bis 1.000€

[65] Glass damage: Covered ↩

Breakage of vehicle glazing (windscreen, side/rear windows, sunroof, mirror glass) including replacement of stickers/toll vignettes is covered in all tiers, inherited from the Teilkasko component of Vollkasko. Bulb replacement cost following glass breakage (Leuchtmittelkosten) is only included in Komfort XL. Stone-chip repair at a partner workshop is exempt from the deductible.

Ja, Glasbruch ist in der Vollasko der BavariaDirekt gedeckt. Schäden durch Steinschlag sind Bestandteil der Teilkasko - und damit immer auch der Vollkaskoversicherung.

[66] Natural perils: Covered ↩

Direct impact of storm, hail, lightning strike, flood, landslide, subsidence, earthquake, avalanches (mountain and roof avalanches) and volcanic eruption on the car is covered in all tiers as part of the inherited Teilkasko benefits.

Erdrutsch, Erdsenkung und Erdbeben, Lawinen von Berghängen und Dachlawinen, Vulkanausbruch

[67] Vandalism: Covered ↩

Malicious or wanton acts by persons who have no right whatsoever to use the vehicle are covered. This is a Vollkasko-specific benefit (not part of Teilkasko), included in all three tiers.

Versichert sind mut- oder böswillige Handlungen von Personen, die in keiner Weise berechtigt sind, den Pkw zu gebrauchen.

[68] Roadside assistance: Optional ↩

The Autoschutzbrief (roadside assistance for breakdown/accident, including towing, recovery, rental car and repatriation abroad) is an optional add-on in all three tiers, chargeable separately unless the car qualifies as a Youngtimer, in which case the Schutzbrief is always included.

Schutzbrief (Hilfe bei Panne oder Unfall) optional optional optional

[69] Replacement vehicle: €75 ↩

A rental car following an accident, total loss or total theft of the vehicle is covered for up to 14 days at a maximum of 75 EUR per day. This benefit is only available in the Komfort XL tier; Komfort M and L do not include it.

Mietwagen aufgrund eines Unfalls, Totalschaden oder Totalentwendung bis zu 14 Tage und max. 75€ pro Tag

[70] Driver accident: Optional ↩

Insassenunfall (death and disability benefit for occupants) and Fahrerschutz (driver protection providing benefits regardless of fault, covering incapacity to work or reduced earning capacity from an accident) are both optional add-ons available in all three tiers.

Insassenunfall (Todesfall - und Invaliditätsleistung) optional optional optional

[71] Own damage: Covered ↩

Covers damage, destruction, total loss or loss of the insured vehicle under partial casco (Teilkasko) or full casco (Vollkasko); compensation is generally capped at the vehicle's replacement value (Wiederbeschaffungswert) or new price (Neupreis), with a separate cap of EUR 250,000 for commercially insured buses.

Versichert ist Ihr Fahrzeug gegen Beschädigung, Zerstörung, Totalschaden oder Verlust infolge eines Ereignisses nach A.2.2.1 (Teilkasko) oder A.2.2.2 (Vollkasko).

[72] Total loss: Covered ↩

Pays the replacement value less residual value on total loss, destruction or loss of the vehicle; new-value compensation (Neupreisentschädigung) applies if total loss occurs within 6 months (Basis tariff), 18 months (Klassik tariff) or 24 months (Exklusiv tariff) of first registration.

Bei Totalschaden, Zerstörung oder Verlust des Fahrzeugs zahlen wir den Wiederbeschaffungswert unter Abzug eines vorhandenen Restwerts des Fahrzeugs.

[73] Partial loss: Covered ↩

Pays the costs required for repair up to the replacement value if the vehicle is damaged without constituting a total loss; SchadenservicePlus (optional in all tariffs) provides repair at a partner workshop with a 6-year repair warranty.

Lassen Sie das Fahrzeug vollständig und fachgerecht reparieren, zahlen wir die hierfür erforderlichen Kosten bis zur Höhe des Wiederbeschaffungswerts, wenn Sie uns dies durch eine Rechnung nachweisen.

[74] Theft & robbery: Covered ↩

Covers theft, robbery, extortion-related surrender of the vehicle, and (under conditions) embezzlement or unauthorized use as part of partial casco cover.

Versichert sind Diebstahl und Raub sowie die Herausgabe des Fahrzeugs aufgrund räuberischer Erpressung.

[75] Glass damage: Covered ↩

Covers breakage damage to the vehicle's glazing (windscreen, rear, roof, side and partition windows, mirror glass and light covers), including calibration costs for assistance systems after glass replacement; windscreen repair (instead of replacement) is reimbursed without deduction of any agreed deductible.

Versichert sind Bruchschäden an der Verglasung des Fahrzeuges. Als Verglasung gelten Glas- und Kunststoffscheiben (z. B. Front-, Heck-, Dach-, Seiten- und Trennscheiben, ausgenommen Kunststoffscheiben von Cabriodächern), Spiegelglas und Abdeckungen von Leuchten.

[76] Natural perils: Covered ↩

Covers storm (from wind force 8), hail, lightning, flood, volcanic eruption, earthquake, landslide, subsidence and avalanches; damage from roof avalanches (Dachlawinen) is additionally covered only in the Exklusiv tariff.

Naturgewalten ... inkl. Dachlawinen

[77] Vandalism: Conditional ↩

Malicious or spiteful acts by unauthorized third parties are covered only under full casco (Vollkasko), not under partial casco; software manipulation by hacking/cyberattacks is additionally covered in the Klassik and Exklusiv tariffs (not Basis).

Versichert sind mut- oder böswillige Handlungen von Personen, die in keiner Weise berechtigt sind, das Fahrzeug zu gebrauchen.

[78] Roadside assistance: €500 ↩

Optional add-on (Schutzbrief) providing roadside assistance for breakdown, accident or theft, including recovery, towing (up to EUR 200 if self-organized), short-distance transport (up to EUR 60), overnight stays (up to EUR 100/night, max 3 nights) and rental car costs (up to EUR 350 domestic / EUR 500 abroad); available via a 24-hour hotline.

Wir erbringen nach Eintritt der in A.3.6 bis A.3.10 genannten Schadenereignisse die dazu im Einzelnen aufgeführten Leistungen als Service oder erstatten die von Ihnen aufgewendeten Kosten im Rahmen dieser Bedingungen.

[79] Replacement vehicle: €75 ↩

In the Exklusiv tariff, a replacement vehicle is provided in casco claims up to EUR 75 per day for a maximum of 14 days; independently, the optional SchadenservicePlus add-on (available in all tariffs) provides a free replacement vehicle for up to 7 days when the vehicle is repaired at a partner workshop.

Ersatzfahrzeug im Kasko-Schadenfall – – bis 75 EUR/Tag max. 14 Tage

[80] Driver accident: Excluded ↩

Not covered under the casco (Kasko) policy itself; personal injury or death of the driver is covered under the separate, optional Fahrerschutzversicherung (driver protection insurance) with limits of up to EUR 15 million per claim and specific sub-limits (e.g. up to EUR 100,000 for pain and suffering).

Die Fahrerschutzversicherung ist eine Kfz-Unfallversicherung, deren Leistungen sich nach dem tatsächlich entstandenen Personenschaden richten.

[81] Own damage: Covered ↩

Vollkasko covers damage to the insured vehicle from accidents (including self-caused), vandalism and all Teilkasko perils. Compensation is based on the replacement value (Wiederbeschaffungswert) minus residual value; for new vehicles, new-price compensation (Neupreisentschädigung) applies if total loss or theft occurs within 36 months (Premium/Premium Partner) or 6 months (Classic) of first registration.

Die Fahrzeugvollversicherung umfasst die Fahrzeugteilversicherung und leistet darüber hinaus im vereinbarten Umfang für Unfallschäden an dem versicherten Fahrzeug – unabhängig davon, ob diese durch Fremd- oder Eigenverschulden verursacht werden.

[82] Total loss: Covered ↩

On total loss, destruction or theft, Concordia pays the replacement value minus residual value. New-price compensation applies to new vehicles for a total loss/theft within 36 months (Premium/Premium Partner) or 6 months (Classic) of first registration; purchase-price compensation applies to used vehicles up to 9 years old for 36 months after purchase, available only in Premium and Premium Partner.

Bei Totalschaden, Zerstörung oder Entwendung des Fahrzeugs zahlen wir den Wiederbeschaffungswert am Tag des Schadenereignisses unter Abzug eines vorhandenen Restwerts des Fahrzeugs, soweit nachfolgend nichts anderes bestimmt ist.

[83] Partial loss: Covered ↩

Vollkasko pays repair costs up to the replacement value with no 'new for old' deduction (except the drive battery of EVs/hybrids after 3 years). Teilkasko only covers repair costs for the specifically named perils (fire, theft, glass, animal collision, short circuit, etc.), not general accident damage.

Wird das Fahrzeug beschädigt, zahlen wir die für die Reparatur erforderlichen Kosten bis zu folgenden Obergrenzen: ... Wir zahlen die hierfür erforderlichen Kosten bis zur Höhe des Wiederbeschaffungswerts nach A.2.5.1.6, wenn Sie uns dies durch eine Rechnung nachweisen.

[84] Theft & robbery: Covered ↩

Teilkasko (and therefore also Vollkasko) covers theft, robbery, extortion-induced surrender, embezzlement (only if the vehicle was not entrusted to the perpetrator) and unauthorized use (only if the perpetrator had no authorization at all to use the vehicle).

Versichert sind Diebstahl und Raub sowie die Herausgabe des Fahrzeugs aufgrund räuberischer Erpressung.

[85] Glass damage: Covered ↩

Covers breakage of the vehicle's glazing (windows, mirror glass, light covers) but excludes glass of measurement/assistance/camera systems, displays and follow-on damage. The deductible is waived for a professional repair without replacement carried out by a firm commissioned by Concordia, in all tariffs.

Versichert sind Bruchschäden an der Verglasung des Fahrzeugs. Als Verglasung gelten Glas- und Kunststoffscheiben (z. B. Front-, Heck-, Dach-, Seiten- und Trennscheiben), Spiegelglas und Abdeckungen von Leuchten.

[86] Natural perils: Conditional ↩

Base natural perils (storm from wind force 8, hail, lightning, flood) are covered in all Pkw tariffs. Extended natural hazards (avalanches incl. roof avalanches, landslides/mudslides, subsidence, earthquake, volcanic eruption) are only included for Pkw in tariffs Premium and Premium Partner, and are not covered in Classic.

Für nachfolgend genannte Fahrzeugarten sind Schäden durch unmittelbare Einwirkung von Lawinen, Erdrutsch, Erdsenkung, Erdbeben oder Vulkanausbruch mitversichert: Pkw-Verträge im Tarif Premium, Krafträder, Leichtkrafträder, Kleinkrafträder, Trikes, Quads, Wohnmobile, Lkw, Zugmaschinen, landwirtschaftliche Zugmaschinen, Anhänger.

[87] Vandalism: Covered ↩

Vollkasko covers damage caused by malicious acts of unauthorized third parties (vandalism), including a hacker/cyber attack on the vehicle's software. This peril is not covered under a Teilkasko-only contract.

Versichert sind mut- oder böswillige Handlungen von Personen, die in keiner Weise berechtigt sind, das Fahrzeug zu gebrauchen.

[88] Roadside assistance: Optional ↩

MobilPlusversicherung is a separate, optional contract. If the incident is reported immediately to Concordia's emergency hotline and Concordia organizes the service, costs for roadside repair, towing (and, for EVs, towing to the nearest charging station) are covered without limit; if self-organized, costs are capped (roadside repair €150–200, towing €200–300). A rental car is provided up to €75–100/day for a maximum of 7 days, plus overnight stays up to €80/night (max. 3 nights).

Kann das versicherte Fahrzeug nach einer Panne oder einem Unfall die Fahrt aus eigener Kraft nicht fortsetzen, erbringen wir nachfolgende Leistungen.

[89] Replacement vehicle: Optional ↩

Optional add-on ('Ersatzwagen sowie Hol- und Bringservice'), bookable for Pkw in tariff Premium Partner or Classic against extra premium. Provides pick-up/drop-off of the vehicle to/from the Concordia partner workshop even under 15 km distance, plus a category A (compact) replacement vehicle for up to 5 days during repair; not available for pure glass-breakage repairs.

Unabhängig davon, ob Ihr Fahrzeug noch fahrfähig und verkehrssicher war, stellen wir Ihnen auf Ihren Wunsch hin für die Dauer der Reparatur Ihres Fahrzeugs in der von uns ausgewählten Werkstatt – für maximal 5 Tage – einen Ersatzwagen der untersten Fahrzeugkategorie (Klasse A, Kleinwagen) zur Verfügung.

[90] Driver accident: €15,000,000 ↩

Separate, optional Fahrerschutzversicherung covering personal injury of the authorized driver from an accident while driving the insured vehicle. Requires an accident-related hospital stay of at least 3 days within 6 months (waived if the driver dies). Per-event sub-limits: pain and suffering up to €200,000; loss of earnings up to €4,000/month; maintenance claims up to €3,000/month; household-help costs up to €1,000/month; disability-adapted conversion up to €200,000; funeral costs up to €7,500; other increased needs up to €2,000/month. Total liability per event is capped at the MTPL per-person sum, maximum €15 million.

Wir zahlen je Schadenereignis maximal die nachfolgenden Entschädigungen: Schmerzensgeld bis 200.000 €, Verdienstausfall bis monatlich 4.000 €, ... maximal jedoch ist die Leistung auf 15 Mio. € beschränkt.

[91] Own damage: Covered ↩

The Vollkasko covers all Teilkasko perils (fire, theft, glass breakage, storm damage, animal collision and animal bite, among others) plus damage to the insured vehicle caused by a self-inflicted accident or vandalism; the Teilkasko alone covers only damage from external events. Compensation is not a fixed sum but based on repair cost or replacement value, capped at the vehicle's new price.

Die Vollkaskoversicherung deckt zum einen alle Leistungen der Teilkasko ab (Brand, Diebstahl, Glasbruch, Unwetterschäden, Tierkollision und Tierbiss u.a.). Außerdem zahlt sie für Schäden an Ihrem Fahrzeug, die durch einen selbst verschuldeten Unfall oder Vandalismus entstehen.

[92] Total loss: Covered ↩

In case of total loss, destruction or loss of the vehicle, compensation is generally the replacement value less any residual value; for newly purchased/first-registered vehicles, new-car-price compensation applies instead within a set period after first registration (in the Komfort tariff up to 36 months; shorter in the Basis tariff). The overall maximum compensation is capped at the vehicle's new price.

Entschädigung zum Neupreis bzw. Kaufwert bis 24 Monate nach Erstzulassung bzw. Erwerb

[93] Partial loss: Covered ↩

Repair costs for damage falling under Teilkasko or Vollkasko perils are reimbursed up to the replacement value of the vehicle; towing costs to the nearest suitable workshop are included and offset against this limit.

Ist eine Reparatur an Ort und Stelle nicht möglich, organisieren wir das Abschleppen in die nächstgelegene Fachwerkstatt.

[94] Theft & robbery: Covered ↩

Theft, robbery and, under conditions, embezzlement/unauthorised use of the vehicle are covered under Teilkasko. Compensation for theft-related total loss may be reduced if the vehicle was not fitted with a self-arming electronic immobiliser at the time of theft.

Die Teilkasko leistet bei Beschädigung, Zerstörung oder Verlust Ihres Fahrzeugs durch äußere Einflüsse wie Brand, Diebstahl, Unwetter, Zusammenstoß mit Tieren, Tierbiss und Glasbruch.

[95] Glass damage: Covered ↩

Breakage damage to the vehicle's glazing is covered under Teilkasko (for Pkw, also including interior cleaning costs and damaged lighting, except under the Basis-Tarif). The deductible is waived when a windscreen is repaired (not replaced) at a certified partner workshop after prior telephone notification; via glass partners a further guaranteed €75 deductible reduction applies for windscreen replacement.

Ersatzwagen bei Glasersatz 10 Jahre Garantie auf Glasersatz 30 Jahre Garantie auf Glasreparatur

[96] Natural perils: Covered ↩

Damage from natural forces such as storm, hail, lightning strike, flood, (roof) avalanches, landslide, subsidence, earthquake and volcanic eruption is covered, plus short-circuit damage including follow-on damage up to €10,000. Avalanche cover is excluded under the Basis-Tarif.

Schäden durch Naturgewalten wie: Sturm, Hagel, Blitzschlag, Überschwemmung, (Dach-)Lawinen, Erdrutsch, Erdfall, Erdbeben, Vulkanausbruch Schäden durch Kurzschluss einschließlich Folgeschäden bis 10.000 Euro

[97] Vandalism: Covered ↩

Damage from malicious or wanton acts by unauthorised third parties (vandalism) is covered only under the Vollkasko, in addition to the perils already covered under Teilkasko.

Außerdem zahlt sie für Schäden an Ihrem Fahrzeug, die durch einen selbst verschuldeten Unfall oder Vandalismus entstehen.

[98] Roadside assistance: Optional ↩

Roadside and breakdown assistance is provided via the separately contracted Autoschutzbrief (a legally independent add-on policy sold alongside the Kfz-Haftpflichtversicherung), covering breakdown recovery, towing, rental car, overnight stays and repatriation, not as part of the Kasko cover itself.

Sie haben einen Unfall, eine Panne oder erkranken auf einer Reise mit dem Auto? Hier hilft der Kfz-Schutzbrief mit Pannenhilfe, Mietwagen oder Krankenrücktransport.

[99] Replacement vehicle: Covered ↩

For Kasko claims (not on Spar-Kasko tariffs) handled through the free Premium-Service, Continentale provides a replacement car at no extra cost while the vehicle is repaired at a DEKRA-certified partner workshop. Separately, a rental car can also be obtained under the optional Autoschutzbrief for breakdown/accident situations.

Der Premium-Service gilt für Pkw bei Kasko-Schäden in ganz Deutschland. Sie können den Premium-Service nutzen, wenn Sie keinen Tarif mit „Spar-Kasko“ abgeschlossen haben.

[100] Driver accident: Optional ↩

Cover for injury or death of the driver/occupants is provided only through the separately contracted, legally independent Kfz-Unfallversicherung, not as part of the Kasko policy itself. If self-caused, the driver otherwise bears their own injury costs.

Bei einem selbst verschuldeten Unfall müssen Sie für Ihre eigenen Verletzungen und die Folgen persönlich aufkommen. Es sei denn, Sie haben eine private Unfallversicherung.

[101] Own damage: Covered ↩

Covers damage to the insured vehicle itself caused by a self-inflicted accident or by vandalism; included under Vollkasko (comprehensive casco), paid up to the vehicle's replacement value with no fixed EUR cap.

Versichert sind Unfälle des Fahrzeugs. Als Unfall gilt ein unmittelbar von außen plötzlich mit mechanischer Gewalt auf das Fahrzeug einwirkendes Ereignis.

[102] Total loss: Covered ↩

Pays the replacement value (Wiederbeschaffungswert) minus any residual value in case of total loss, destruction or theft. New-price compensation for new vehicles (instead of replacement value) applies if the loss occurs within 12 months of first registration under Basis-Schutz or within 24 months under Comfort-Schutz (also within 24 months for insured motorcycles); a comparable purchase-value compensation applies to used vehicles within the same respective periods after first registration to the policyholder. Overall indemnity is capped at the vehicle's new price.

[103] Partial loss: Covered ↩

Covers the cost of a full and proper repair up to the replacement value of the vehicle (or up to the replacement value minus residual value if not repaired/not fully repaired). For cars and motorcycles no 'new-for-old' wear deduction is made on replacement parts and paintwork; for other vehicle types this deduction is limited to tyres, battery and paintwork during the first 3-4 years after first registration.

[104] Theft & robbery: Covered ↩

Covers theft, robbery and the surrender of the vehicle due to robbery-related extortion under Teilkasko (also included in Vollkasko). Embezzlement is covered only if the vehicle was not entrusted to the perpetrator for their own use/sale; unauthorised use is covered only if the perpetrator had no authorisation at all and is not closely related to the person entitled to dispose of the vehicle.

[105] Glass damage: Covered ↩

Covers breakage damage to the vehicle's glazing (front, rear, roof, side and partition panes, mirror glass, light covers) including replacement of environmental stickers and motorway vignettes when the windscreen is replaced; glass/plastic parts of measuring, assistance, camera and information systems, solar modules, displays, monitors and bulbs are not covered. Under Comfort-Schutz (or for insured motorcycles), interior cleaning after a glass-breakage claim is additionally reimbursed up to EUR 60 and damaged bulbs are covered.

Versichert sind Bruchschäden an der Verglasung des Fahrzeugs. Als Verglasung gelten Glas- und Kunststoffscheiben (z.B. Front-, Heck-, Dach-, Seiten- und Trennscheiben), Spiegelglas und Abdeckungen von Leuchten. Nicht zur Verglasung gehören Glas- und Kunststoffteile von Mess-, Assistenz-, Kamera- und Informationssystemen, Solarmodulen, Displays, Monitoren sowie Leuchtmittel.

[106] Natural perils: Covered ↩

Covers direct impact of storm (wind force 8+), hail, lightning, flood, landslide, land subsidence and avalanches under Teilkasko/Vollkasko. Under Comfort-Schutz (or for insured motorcycles), cover is extended to roof avalanches, earthquakes and volcanic eruptions.

[107] Vandalism: Conditional ↩

Covers malicious or spiteful acts by persons not authorised to use the vehicle (e.g. a scratched car or torn-off mirror). Only included under Vollkasko (comprehensive casco); not covered under Teilkasko (partial casco).

Schäden durch Vandalismus wie z. B. ein verkratztes Auto oder ein abgetretener Spiegel sind durch die Vollkasko versichert.

[108] Roadside assistance: Optional ↩

Not part of Kasko itself; available as a separate optional Schutzbrief-Versicherung rider providing round-the-clock breakdown and accident assistance in Germany and abroad (e.g. roadside repair up to EUR 300, towing up to EUR 300, recovery costs).

[109] Replacement vehicle: Conditional ↩

For cars, a free category-A replacement vehicle is provided as part of CosmosDirekt's special accident damage service when the repair is carried out through a CosmosDirekt-organised, DEKRA-certified partner workshop; not available if the policyholder arranges repair independently outside this network.

Kostenloser Ersatzwagenservice: Wir stellen Dir für die Dauer der Reparatur kostenlos einen Ersatzwagen (Gruppe A) zur Verfügung. So bleibst Du mobil ohne Zeit- und Kostenaufwand.

[110] Driver accident: Optional ↩

Not part of Kasko itself; available as a separate optional Fahrerschutz-Versicherung (a motor accident insurance) compensating personal injury of the driver or occupants in a self-caused accident, based on actual loss (e.g. loss of earnings, survivor pension, pain and suffering) up to the personal-injury sum insured agreed in the motor liability policy.

[111] Own damage: Covered ↩

Covers damage to the insured vehicle from accident, vandalism and all Teilkasko perils. Repair costs are reimbursed up to the Wiederbeschaffungswert (replacement value), with no 'new for old' deduction on parts/paint except in the Basis tariff, where such a deduction applies for the first 3-4 years after first registration.

(1) Wir verzichten auf den Abzug „neu für alt“. (2) Abweichend von Absatz (1) verzichten wir bei der Kraftfahrtversicherung Basis nicht auf den Abzug „neu für alt“

[112] Total loss: Conditional ↩

Basis tariff pays only the Wiederbeschaffungswert (actual cash value), reduced by any residual value. Komfort and Komfort Plus pay the full new price (Neuwertentschädigung) if total loss, destruction or theft occurs within 24 months of first registration (extendable to 36 months with the 'Erweiterte Neuwertentschädigung' add-on); a €2,000 bonus (Wechselprämie) is paid if the replacement vehicle is a new electric car. For used vehicles, an equivalent purchase-price compensation (Kaufpreisentschädigung) applies for 24 months (36 with the extra), capped at the appraised replacement value at first registration to the policyholder.

Besteht eine Fahrzeugvoll- (Vollkasko) oder Fahrzeugteilversicherung (Teilkasko) für einen Pkw oder ein Kraftrad zahlen wir, wenn innerhalb einer Frist von 24 Monaten nach der Erstzulassung ein Totalschaden, eine Zerstörung oder ein Verlust (Totalentwendung) eintritt, den Neupreis des Fahrzeugs.

[113] Partial loss: Covered ↩

If the vehicle is damaged but repairable, costs of full repair (including required consumables) are paid up to the Wiederbeschaffungswert against invoice; without proof of repair, the insurer pays the appraised repair cost up to the Wiederbeschaffungswert minus residual value. No 'new for old' deduction is applied except in the Basis tariff.

Wird das Fahrzeug vollständig repariert, zahlen wir die hierfür erforderlichen Kosten (einschließlich der zur Wiederherstellung notwendigen Betriebsstoffe) bis zur Höhe des Wiederbeschaffungswerts nach A.2.5.5, wenn Sie uns dies durch eine Rechnung nachweisen.

[114] Theft & robbery: Covered ↩

Covers theft, robbery and (under conditions) embezzlement of the vehicle. Settlement is reduced by 10% for Pkw/camper vehicles if the vehicle lacked a self-arming electronic immobilizer at the time of theft. The Basis tariff excludes cover where the vehicle was voluntarily handed to the perpetrator (e.g. for a weekend trip, sale, or under retention of title) and excludes malicious acts by non-operating persons inside the vehicle.

Bei Totalschaden, Zerstörung oder Verlust eines Pkw oder Campingfahrzeugs durch Diebstahl vermindert sich die Entschädigung um 10 %. Dies gilt nicht, wenn das Fahrzeug zum Zeitpunkt des Diebstahls durch eine selbst schärfende elektronische Wegfahrsperre gesichert war.

[115] Glass damage: Covered ↩

Covers breakage of vehicle glazing (windscreen, rear, roof, side and partition glass, mirror glass and light covers/bulbs), including cost of an existing emissions sticker if the windscreen must be replaced. Any agreed deductible is waived if the repair is carried out at a workshop arranged by DA Direkt; otherwise reimbursement is limited to 75% of the post-repair invoiced cost.

Haben Sie einen Glasbruchschaden nicht in einer von uns vermittelten Werkstatt reparieren (ausbessern) lassen, ist Ihr Erstattungsanspruch auf 75 % der nach Reparatur berechneten Kosten begrenzt.

[116] Natural perils: Covered ↩

The Basis tariff covers storm, hail, lightning strike and flood (e.g. from heavy rain) only. Komfort and Komfort Plus additionally cover snow/roof avalanches, landslides, earthquakes, ground subsidence and volcanic eruptions.

Abweichend von Absatz (1) besteht bei der Kraftfahrtversicherung Basis Versicherungsschutz nur für Schäden durch Sturm, Hagel, Blitzschlag, Überschwemmung. Alle anderen unter A.2.2.3 genannten Ereignisse sind ausgeschlossen.

[117] Vandalism: Covered ↩

Vollkasko covers malicious or mischievous acts by persons not authorized to use the vehicle. This is a Vollkasko-exclusive peril not included in Teilkasko. The defence of gross negligence is generally waived in Komfort and Komfort Plus, but not in the Basis tariff, where the insurer may reduce the payout in proportion to fault.

Versichert sind mut- oder böswillige Handlungen von Personen, die nicht berechtigt sind, das Fahrzeug zu gebrauchen.

[118] Roadside assistance: €350 ↩

Sold as a separate, legally independent policy (Schutzbrief). Covers roadside repair (self-organized help reimbursed up to €150), towing (up to €200, or to the nearest charging point for EVs), recovery after leaving the road, plus for breakdowns 50km+ from home: return/onward travel, up to 3 nights' accommodation (max €100/night, €600/day total), and rental car (up to €50/day for 7 days, or up to €350 abroad).

Wir organisieren die Wiederherstellung der Fahrbereitschaft an der Schadenstelle durch ein Pannenhilfsfahrzeug und übernehmen die hierdurch entstehenden Kosten. Organisieren Sie die Wiederherstellung der Fahrbereitschaft selbst, beläuft sich der Höchstbetrag für diese Leistung einschließlich der vom Pannenhilfsfahrzeug mitgeführten Kleinteile auf 150 EUR.

[119] Replacement vehicle: €50 – €100 ↩

Available as the 'Ersatzwagen' paid add-on: reimburses a comparable rental vehicle at daily rates by engine power (€50 up to 55kW, €75 for 56-90kW, €85 for 91-125kW, €100 from 126kW), for up to 10 days during repair, or up to 20 days (max €1,000 total) for total loss/theft replacement. Separately, a free replacement vehicle for the repair duration is included when a Komfort Plus workshop-bound bodywork repair is carried out at a directed partner workshop.

Bei Vereinbarung des Leistungs-Extras „Ersatzwagen“ erstatten wir Ihnen in der Fahrzeugvoll- (Vollkasko) oder Fahrzeugteilversicherung (Teilkasko) nach Maßgabe der Abs. 2 und 3 die Kosten für einen maximal leistungsgleichen (kW) Mietwagen.

[120] Driver accident: €250,000 ↩

Available as the 'Fahrerschutz' add-on, covering the driver's own bodily injury or death while driving the insured vehicle. Benefits include pain and suffering compensation up to €200,000, loss of earnings up to €10,000/month, disability-related conversion of home/car/workplace up to €250,000 in total, an immediate hospital lump sum of €250, and funeral costs of €5,000.

Bei Verletzungen zahlen wir ein Schmerzensgeld bis maximal 200.000 EUR. ... behindertengerechter Umbau bis maximal insgesamt 250.000 EUR

[121] Own damage: Not established from the insurer's documents ↩

Casco covers damage, destruction, total loss or loss of the insured vehicle caused by the perils insured under Teilkasko (partial casco) or Vollkasko (comprehensive casco). The maximum indemnity is capped at the vehicle's new price (Neupreis) rather than a fixed sum, and is reduced by any agreed deductible and residual value.

Versichert ist Ihr Fahrzeug gegen Beschädigung, Zerstörung, Totalschaden oder Verlust infolge eines Ereignisses nach A.2.2.1 (Teilkasko) oder A.2.2.2 (Vollkasko).

[122] Total loss: Covered ↩

On total loss, destruction or loss, DBV pays the replacement value (Wiederbeschaffungswert) less any residual value. New-price compensation applies if there is total loss/destruction/loss or repair costs reach at least 80% of the new price and the insured is the original buyer: within 12 months of first registration for passenger cars under mobil kompakt (6 months for other vehicle types), within 24 months under mobil komfort, and within 36 months if the optional Premium module is included. For used cars, purchase-value compensation applies on total loss within the first 12 months after first registration under mobil kompakt and within the first 24 months under mobil komfort. GAP cover tops up the difference to the outstanding leasing balance for leased passenger cars/vans up to 3.5t with Vollkasko.

Der Neupreis wird erstattet, wenn die erforderlichen Kosten der Wiederherstellung 80 % des Neupreises erreichen oder übersteigen. Bei einer Zerstörung oder einem Verlust des Fahrzeugs wird ebenfalls der Neupreis erstattet. Dies gilt bei mobil komfort in den ersten 24 Monaten und bei mobil kompakt in den ersten 12 Monaten nach der Erstzulassung...

[123] Partial loss: Not established from the insurer's documents ↩

If the vehicle is damaged, DBV pays the necessary repair costs up to the replacement value; towing and recovery to the nearest suitable workshop is included within the same ceiling. A deduction for age/wear (new-for-old) applies to replaced parts and repainting, limited to tyres if the loss occurs within the first three or four years after first registration (depending on vehicle type). No deductible is charged if a cracked windscreen is repaired rather than replaced.

Wird das Fahrzeug beschädigt, zahlen wir die für die Reparatur erforderlichen Kosten bis zu folgenden Obergrenzen: a Wenn das Fahrzeug vollständig und fachgerecht repariert wird, gilt: Wir zahlen die hierfür erforderlichen Kosten bis zur Höhe des Wiederbeschaffungswerts nach A.2.5.1.15

[124] Theft & robbery: Not established from the insurer's documents ↩

Teilkasko covers theft, robbery and surrender of the vehicle due to extortion. Embezzlement is only covered if the offender was not given the vehicle for use, sale or under reservation of title; unauthorised use is only covered if the offender had absolutely no entitlement to use the vehicle. Coverage of key theft/loss differs by tariff: mobil kompakt excludes cover for stolen keys, while mobil komfort covers lock/ignition replacement costs if keys are stolen through robbery or burglary.

Versichert sind Diebstahl und Raub sowie die Herausgabe des Fahrzeugs aufgrund räuberischer Erpressung. Unterschlagung ist nur versichert, wenn dem Täter das Fahrzeug weder zum Gebrauch in seinem eigenen Interesse, noch zur Veräußerung, noch unter Eigentumsvorbehalt überlassen wird.

[125] Glass damage: Not established from the insurer's documents ↩

Teilkasko covers breakage of the vehicle's glazing (windscreen, rear/roof/side/partition glass, mirror glass, light covers); consequential damage is excluded. On windscreen replacement, DBV reimburses proven costs for a new environmental sticker up to EUR 10. No deductible is charged if the windscreen is repaired rather than replaced (A.2.5.8.3).

Nicht versichert sind Folgeschäden. Bei einem Austausch der Frontscheibe ersetzen wir die nachgewiesenen Kosten für den Ersatz der Umweltplakette bis zu einer Höhe von 10,00 Euro.

[126] Natural perils: Not established from the insurer's documents ↩

Teilkasko covers direct impact of storm (wind force 8 or above), hail, lightning, flooding, avalanches, roof avalanches and mudslides on the vehicle, including objects thrown onto/against the vehicle by these forces; damage resulting from driver behaviour caused by these events is excluded.

Versichert ist die unmittelbare Einwirkung von Sturm, Hagel, Blitzschlag, Überschwemmung, Lawinen, Dachlawinen oder Muren auf das Fahrzeug.

[127] Vandalism: Not established from the insurer's documents ↩

Malicious or spiteful damage caused by persons with absolutely no entitlement to use the vehicle is covered only under Vollkasko (comprehensive casco, A.2.2.2.3); this peril is not included if only Teilkasko (partial casco) is held.

Versichert sind mut- oder böswillige Handlungen von Personen, die in keiner Weise berechtigt sind, das Fahrzeug zu gebrauchen.

[128] Roadside assistance: Not established from the insurer's documents ↩

Roadside assistance (breakdown recovery, towing, key/fuel mishap help) is provided by the Schutzbrief, which becomes part of the casco contract only if the optional Mobilitätsgarantie module is added (A.2.2.4); it is not automatically part of base Teilkasko or Vollkasko.

Wenn er im Rahmen der Mobilitätsgarantie nach A.2.2.4 vereinbart wird, ist er Bestandteil des Vertrags über die Kaskoversicherung.

[129] Replacement vehicle: Not established from the insurer's documents ↩

Under the optional Mobilitätsgarantie module, if repair or restoring roadworthiness takes longer than four hours, DBV arranges a replacement vehicle (group A) for up to 14 days (for repair, or for replacement procurement after theft/total loss/destruction); abroad, costs for the trip home are covered up to EUR 525. If no replacement vehicle can be provided, a EUR 25 per day compensation applies instead.

Dauert die Reparatur oder Wiederherstellung der Fahrbereitschaft länger als vier Stunden, vermitteln wir Ihnen anstelle der Weiter- oder Rückfahrt nach A.3.6.1 ein Ersatzfahrzeug (Gruppe A).

[130] Driver accident: Not established from the insurer's documents ↩

Accident cover for the driver is not part of casco itself but is available as a separate, paid add-on to the Kfz-Haftpflichtversicherung: the Fahrerschutzversicherung (A.5) pays as if a third party were liable, e.g. pain and suffering compensation up to EUR 100,000, loss of earnings up to EUR 2,000/month, maintenance claims up to EUR 1,500/month, household help up to EUR 500/month, disability-adapted conversions up to EUR 100,000, and other increased needs up to EUR 1,000/month, subject to a minimum 3-day hospital stay within six months of the accident. A separate Kfz-Unfallversicherung (A.4) with agreed sums insured is also available.

Schmerzensgeld bis 100.000 Euro • Verdienstausfall bis monatlich 2.000 Euro • Unterhaltsansprüche bis monatlich 1.500 Euro • Haushaltshilfe bis monatlich 500 Euro • behindertengerechter Umbau bis 100.000 Euro • sonstige vermehrte Bedürfnisse bis monatlich 1.000 Euro.

[131] Own damage: Covered ↩

Covers damage, destruction or loss of the insured vehicle from Teilkasko perils (fire/explosion, theft, storm/hail/lightning/flood/avalanche, animal collision, glass breakage, short-circuit wiring damage, marten/animal bite) and, if Vollkasko is chosen, additionally self-caused accidents and vandalism. Co-insured accessories (e.g. wheels, child seats, charging cables up to 1,000 EUR) are included free of charge; multifunction/navigation devices and tuning are covered up to 5,000 EUR each (uncapped under Comfort Plus). Short-circuit damage to connected aggregates is covered up to 5,000 EUR (up to 20,000 EUR with the optional E-Mobility package). Follow-on damage from animal bites up to 10,000 EUR is only included under Comfort Plus. Overall maximum compensation is capped at the vehicle's new price (Neupreis), not a fixed sum.

Ihr Fahrzeug ist gegen Beschädigung, Zerstörung oder Verlust wegen eines Ereignisses nach A.2.2 (Teilkasko) oder A.2.3 (Vollkasko) versichert.

[132] Total loss: Covered ↩

Pays the replacement value (Wiederbeschaffungswert) less any residual value. New-price compensation applies if total loss/destruction/theft occurs within 6 months of first registration (Comfort); Comfort Plus extends this to 24 months provided the odometer reads no more than 60,000 km at the time of loss, and adds purchase-price compensation for used vehicles within their first 12 months of ownership. Registration/licence-plate costs for a replacement vehicle are reimbursed up to 150 EUR. Disposal/recycling costs after a total loss are reimbursed up to 1,000 EUR (Comfort) or up to 2,000 EUR (Comfort Plus), provided the replacement vehicle is insured with Debeka.

Bei Totalschaden, Zerstörung oder Verlust des Fahrzeugs oder seiner Teile zahlen wir den Wiederbeschaffungswert abzüglich eines vorhandenen Restwerts des Fahrzeugs bzw. seiner Teile.

[133] Partial loss: Covered ↩

Repair costs are reimbursed up to the replacement value of the vehicle. With Werkstattbindung, repairs at a non-partner workshop are reimbursed at only 85% of eligible costs. The 'new-for-old' deduction on replacement parts and paintwork is waived entirely under Comfort Plus (except for EV/hybrid batteries). Towing costs to the nearest suitable workshop are included.

Wird das Fahrzeug beschädigt, zahlen wir die erforderlichen Reparaturkosten bis zu folgenden Obergrenzen

[134] Theft & robbery: Covered ↩

Covers theft, robbery, robbery-induced surrender of the vehicle and, under conditions, misappropriation or unauthorised use. If the recovered vehicle is found more than 50 km from its usual location within one month, a 2nd-class return train ticket is reimbursed (up to 1,500 railway km). Comfort Plus adds reimbursement of lock-replacement costs after a break-in theft or robbery of keys, and arranges a rental car (reimbursed up to 500 EUR) if the vehicle is fully stolen.

Versichert ist die Entwendung, insbesondere durch Diebstahl, Raub sowie die Herausgabe des Fahrzeugs aufgrund räuberischer Erpressung.

[135] Glass damage: Covered ↩

Covers breakage of windscreen, rear/side/roof/partition glass, mirror glass and light covers, including vehicle cleaning costs and replacement of bulbs, badges and toll vignettes. If a Debeka partner workshop repairs (rather than replaces) a stone-chip windscreen crack, the claim is settled without any deductible.

Versichert sind Bruchschäden an der Verglasung des Fahrzeugs.

[136] Natural perils: Covered ↩

Base cover (Comfort) includes storm (wind force 8 or higher), hail, lightning strike, flood and avalanche. Comfort Plus additionally covers landslide, ground subsidence, earthquake and volcanic eruption.

Versichert ist die unmittelbare Einwirkung von Sturm, Hagel, Blitzschlag, Überschwemmung oder Lawine auf das Fahrzeug.

[137] Vandalism: Conditional ↩

Malicious or mischievous acts by persons not authorised to use the vehicle are covered only under Vollkasko, not under Teilkasko alone. This also extends to a hacking attack directed unmistakably against the insured vehicle itself (but not to manipulation via a manufacturer's server or platform).

Versichert sind mut- oder böswillige Handlungen von Personen, die nicht berechtigt sind, das Fahrzeug zu gebrauchen.

[138] Roadside assistance: Optional ↩

Optional add-on (Autoschutzbrief), sold only together with the Kfz-Haftpflicht contract for the same vehicle. Covers on-site breakdown repair, towing to the nearest suitable workshop (or a chosen workshop up to 50 km away), vehicle recovery after leaving the road, a key-replacement courier service, continuation/return travel, temporary accommodation, and a rental car if the vehicle cannot be repaired the same day. Extended benefits apply abroad (parts shipment, vehicle transport, customs/scrapping assistance) and in case of illness, accident or death of the driver on a trip.

Versichert sind die in A.3.5 bis A.3.7 genannten Schadensereignisse. Wir erbringen die jeweils aufgeführten Leistungen als Service oder erstatten die Ihnen entstandenen Kosten im Rahmen dieser Bedingungen.

[139] Replacement vehicle: €420 ↩

Only available as part of the optional Autoschutzbrief add-on: a comparable rental car is arranged if the insured vehicle cannot be repaired the same day. Domestic cost cover is up to 60 EUR/day for a maximum of 7 days (max. 420 EUR total); abroad, rental costs are covered up to 420 EUR in total.

Die Kostenübernahme ist auf 7 Tage zu je maximal 60 Euro begrenzt.

[140] Driver accident: €15,000,000 ↩

The optional Fahrerschutzversicherung (only combinable with a Kfz-Haftpflicht contract for the same vehicle) compensates the driver's own personal injury from an accident while driving, as a liability insurer would (lost earnings, household help, disability-related conversions, survivors' maintenance, pain and suffering). Total benefits are capped at 15,000,000 EUR per claim; pain-and-suffering compensation is capped at 200,000 EUR and only paid after at least 5 consecutive days of inpatient hospital treatment. A separate optional Kfz-Unfallversicherung (occupant accident cover) is also available, with contractually agreed sums insured; the death benefit for insured persons under 14 is capped at 5,000 EUR.

Schmerzensgeld bis maximal 200.000 Euro zahlen wir jedoch erst bei einem unfallbedingten stationären Krankenhausaufenthalt von mindestens 5 aufeinanderfolgenden Tagen. Unsere Leistungen je Schadensfall sind auf insgesamt 15 Millionen Euro beschränkt.

[141] Own damage: Covered ↩

Vollkasko covers damage to the insured vehicle caused by an accident (a sudden, externally-caused event acting on the vehicle with mechanical force), including self-caused collisions. Included in Basis, Komfort and Premium; Komfort/Premium additionally cover tow/trailer shunting damage and tyre-burst follow-on costs, which Basis excludes (A.3.3.2).

Versichert sind Schäden am Fahrzeug durch Unfall. Ein Unfall ist ein unmittelbar von außen plötzlich mit mechanischer Gewalt auf das Fahrzeug einwirkendes Ereignis.

[142] Total loss: Covered ↩

On total loss, destruction or loss of the vehicle, DEVK pays the Wiederbeschaffungswert (replacement value) less any residual value. New-price compensation (Neupreisentschädigung) instead of time value applies within 18 months of first registration under Komfort and 36 months under Premium; Basis has no new-price compensation (A.3.7.1, A.3.7.3).

Wir zahlen den Neupreis nach A.3.13 bei ... nach dem Komfort-Schutz innerhalb von 18 Monaten Premium-Schutz innerhalb von 36 Monaten ab Erstzulassung des Fahrzeugs

[143] Partial loss: Covered ↩

Repair costs are reimbursed up to the vehicle's Wiederbeschaffungswert (replacement value) against invoice; without an invoice, costs are calculated using regional average labour rates. New-price compensation on repair applies if repair costs reach or exceed 80% of the new price (A.3.9, A.3.9.3).

Wir zahlen die hierfür erforderlichen Kosten bis zur Höhe des Wiederbeschaffungswerts nach A.3.8.2, wenn Sie uns dies durch eine Rechnung nachweisen.

[144] Theft & robbery: Covered ↩

Covers theft, robbery, extortion-induced surrender of the vehicle and, under conditions, misappropriation and unauthorised use, as part of Teilkasko, included in Basis, Komfort and Premium (A.3.2.2). A police report is required without delay if the loss exceeds €1,000 (B.4.4.3).

Versichert sind Diebstahl und Raub sowie die Herausgabe des Fahrzeugs aufgrund räuberischer Erpressung.

[145] Glass damage: Covered ↩

Breakage of windscreen, windows, mirror glass and light covers is covered in Basis, Komfort and Premium; consequential damage is excluded. Repairs (not replacement) via a DEVK Autoglaspartner are reimbursed without deducting the excess; in Premium, a windscreen replacement via a DEVK partner additionally reduces the agreed excess by €75 (A.3.2.6).

Im Komfort- und Basis-Schutz sind Bruchschäden an der Verglasung des Fahrzeugs mitversichert.

[146] Natural perils: Covered ↩

Storm, hail, flood, earthquake, landslide, subsidence, volcanic eruption and snow avalanches are covered in Basis, Komfort and Premium; roof avalanches are covered only under Komfort and Premium (A.3.2.3). Animal-bite damage to cables/hoses/lines and short-circuit damage are covered in all tiers, but follow-on (consequential) damage is capped at €20,000 under Komfort and is unlimited under Premium, while Basis excludes follow-on damage entirely (A.3.2.5, A.3.2.7).

Im Basis-Schutz sind abweichend von A.3.2.3 Nr. 1 Dachlawinen nicht mitversichert. Dies gilt auch für Schäden, die dadurch entstehen, dass durch eine Dachlawine Gegenstände auf oder gegen das Fahrzeug geworfen werden.

[147] Vandalism: €250 ↩

Malicious or spiteful acts of vandalism by unauthorised third parties are covered under Vollkasko in Basis, Komfort and Premium (A.3.3.3). Premium additionally includes a 'Parkschadenschutz' smart-repair benefit for small body-panel damage (e.g. scratches, dents no larger than a palm) up to €250 per claim, with a €50 policyholder contribution and no separate excess; this benefit is not available under Basis or Komfort (A.3.6.8).

Unsere Entschädigungsleistung ist nach Abzug der Selbstbeteiligung auf höchstens 250 Euro je Schadenfall begrenzt. Sie tragen einen Eigenanteil an den Reparaturkosten in Höhe von 50 Euro.

[148] Roadside assistance: Optional ↩

Roadside and accident assistance (towing, recovery, onward travel, rental car, repatriation, etc.) is provided via the separate Auto Plus Autoschutzbrief module (A.6). It is a paid add-on under Basis and Komfort liability cover and is included automatically under Premium liability cover; it is not itself part of the Kasko contract but is commonly taken out alongside it (A.1.2.4).

Im Komfort- und Basis-Schutz können die Autoschutzbriefleistungen (Auto Plus) nach A.6 auf Antrag mitversichert werden.

[149] Replacement vehicle: 14 days ↩

After vehicle theft, a free replacement vehicle arranged by DEVK is available for up to 14 days under Komfort and Premium (not under Basis) (A.3.7.6). After a total loss, a free replacement vehicle for up to 14 days is available only under Premium (A.3.6.7). The value_max of 14 represents days, not a monetary amount.

Im Komfort- und Premium-Schutz haben Sie nach Entwendung des versicherten Pkw Anspruch auf ein durch uns vermitteltes kostenloses Ersatzfahrzeug ... längstens jedoch jeweils für 14 Tage.

[150] Driver accident: €10,000 – €20,000 ↩

Personal accident cover for the driver/occupants is not a default part of Kasko but is offered via two separate modules: the Fahrer-Schutzversicherung (A.4, driver-only, damages-based, sum insured €12 million per claim) and the Kfz-Unfallversicherung (A.5, lump-sum system). Both can be added on request under Basis and Komfort; the Kfz-Unfallversicherung is included automatically under Premium with lump sums of €10,000 (death) and €20,000 (disability), which can be increased on request (A.1.2.5).

Im Komfort- und Basis-Schutz kann eine Kfz-Unfallversicherung nach A.5 auf Antrag mitversichert werden.

[151] Own damage: Covered ↩

Covers damage, destruction, total loss or loss of the insured vehicle from perils defined under partial comprehensive (Teilkasko) and, if agreed, full comprehensive (Vollkasko) cover.

Versichert ist Ihr Fahrzeug gegen Beschädigung, Zerstörung, Totalschaden oder Verlust infolge eines Ereignisses nach A.2.2.1 (Teilkasko) oder A.2.2.2 (Vollkasko).

[152] Total loss: Covered ↩

Total loss, destruction or loss is settled at replacement value (Wiederbeschaffungswert) minus residual value. New-value compensation applies for cars if total loss occurs within 18 months (Komfort tariff) or 36 months (Prestige tariff) of first registration, and within 24 months for motorcycles; theft payout is reduced by 10% unless the vehicle has a self-sharpening electronic immobiliser.

Bei Totalschaden, Zerstörung oder Verlust des Fahrzeugs zahlen wir den Wiederbeschaffungswert unter Abzug eines vorhandenen Restwerts des Fahrzeugs.

[153] Partial loss: Covered ↩

Repair costs are reimbursed up to the replacement value if the vehicle is fully and properly repaired; otherwise up to the replacement value less residual value, calculated using partner-workshop average labour rates if no repair invoice is provided.

Wenn das Fahrzeug vollständig und fachgerecht repariert wird, gilt: Wir zahlen die hierfür erforderlichen Kosten bis zur Höhe des Wiederbeschaffungswerts nach A.2.5.1.6, wenn Sie uns dies durch eine Rechnung nachweisen.

[154] Theft & robbery: Covered ↩

Covers theft, robbery, extortion-related surrender of the vehicle, and (under conditions) embezzlement and unauthorised use; for electric/hybrid vehicles on the Komfort/Prestige tariff, or motorcycles, theft of the charging cable during charging is also covered.

Versichert sind Diebstahl und Raub sowie die Herausgabe des Fahrzeugs aufgrund räuberischer Erpressung.

[155] Glass damage: Covered ↩

Covers breakage of the vehicle's glazing; the deductible is waived if the pane is repaired rather than replaced, and no notional (fiktive) settlement is possible. The Prestige tariff additionally covers the cost of light bulbs damaged in the same event.

Bei einem Glasbruchschaden entfällt eine vereinbarte Selbstbeteiligung, wenn die Scheibe nicht ausgewechselt, sondern repariert wird. Eine fiktive Abrechnung bei Glasschäden ist nicht möglich.

[156] Natural perils: Covered ↩

Covers direct impact of storm (wind force 8 or above), hail, lightning, flood, avalanches or mudslides on the vehicle, including objects thrown onto or against the vehicle by these forces; earthquake damage is excluded.

Als Sturm gilt eine wetterbedingte Luftbewegung von mindestens Windstärke 8. Eingeschlossen sind Schäden, die dadurch verursacht werden, dass durch diese Naturgewalten Gegenstände auf oder gegen das Fahrzeug geworfen werden.

[157] Vandalism: Covered ↩

Vollkasko cover extends to malicious or mischievous acts by unauthorised persons, including damage caused by a hacking attack directed immediately at the insured vehicle (not covered if the attack instead targets a manufacturer's server or digital platform).

Bei Hackerangriffen auf Ihr Fahrzeug gilt: Versichert sind auch Schäden durch mut- oder böswillige Handlungen wegen eines unmittelbar gegen Ihr Fahrzeug gerichteten Hackerangriffs.

[158] Roadside assistance: Optional ↩

Available as a separate, legally independent Autoschutzbrief contract providing breakdown and accident assistance: roadside repair up to €100, towing up to €200 (net of roadside-repair costs), plus extended assistance (rental car, overnight stay, vehicle storage) once the breakdown site is more than 50 km from the policyholder's home.

Wir organisieren für Sie die Wiederherstellung der Fahrbereitschaft an der Schadenstelle durch ein Pannenhilfsfahrzeug und übernehmen die hierdurch entstehenden Kosten. Der Höchstbetrag für diese Leistung beläuft sich einschließlich der vom Pannenhilfsfahrzeug mitgeführten und verwendeten Kleinteile auf 100 €.

[159] Replacement vehicle: €50 ↩

Under the Autoschutzbrief, a rental car is arranged at up to €50 per day for a maximum of 7 days domestically (up to €350 total abroad), provided neither the return/onward-journey benefit nor the overnight-stay benefit has been used instead.

Wir zahlen höchstens für sieben Tage und maximal 50 € je Tag.

[160] Driver accident: Optional ↩

Available as a separate, legally independent Kfz-Unfallversicherung (lump-sum cover per seat/occupant) or Fahrer-Unfallversicherung (actual-loss cover for the driver); the insured sum is stated in the policy schedule.

Kfz-Unfallversicherung – wenn Insassen verletzt oder getötet werden

[161] Own damage: Conditional ↩

Under Vollkasko (comprehensive), ERGO pays for accident damage to the insured vehicle, including accidents caused by the policyholder or an authorised driver. Indemnity is capped at the replacement value (Wiederbeschaffungswert) less any residual value, not a fixed sum insured. Teilkasko does not cover self-caused accidents; this event only activates when Vollkasko is selected.

Wir versichern einen Unfall des Fahrzeugs. Ein Unfall ist ein unmittelbar von außen plötzlich mit mechanischer Gewalt einwirkendes Ereignis.

[162] Total loss: Covered ↩

On economic total loss, destruction or loss of the vehicle, ERGO pays the replacement value (Wiederbeschaffungswert) minus any residual value. For new vehicles, the new-price value is paid instead within the first 12 months after first registration (extendable to 24 or 36 months with the optional Wertschutz module); for used vehicles up to 4 years old, the purchase price is paid within the first 12 months of the ERGO contract.

Bei wirtschaftlichem Totalschaden, Zerstörung oder Verlust des Fahrzeugs zahlen wir den Wiederbeschaffungswert abzüglich eines vorhandenen Restwertes.

[163] Partial loss: Covered ↩

ERGO pays the costs required for a full and proper repair, up to the replacement value (Wiederbeschaffungswert) of the vehicle including co-insured parts and accessories. ERGO waives the usual 'new for old' (Abzug neu für alt) deduction on replaced parts and paintwork.

Wir zahlen die für die Reparatur erforderlichen Kosten. Das gilt auch bei einem wirtschaftlichen Totalschaden, wenn Sie diesen trotzdem reparieren lassen.

[164] Theft & robbery: Covered ↩

Teilkasko (and therefore also Vollkasko) covers theft, robbery, embezzlement and unauthorised use of the vehicle or its co-insured parts, including damage caused while attempting the theft. Key/lock replacement after theft or robbery of a vehicle key is also covered, with no cap stated in the current edition. If the vehicle is recovered within one month of the claim notification, the policyholder must take it back where reasonably possible.

Die Beschädigung des Fahrzeugs ist versichert, wenn es beschädigt wurde, um das Fahrzeug, ein Fahrzeugteil oder -inhalt zu entwenden. Dies gilt auch, wenn die Entwendung nur versucht wurde.

[165] Glass damage: Covered ↩

Teilkasko covers breakage damage to the vehicle's glazing (front, rear, roof, side and partition windows, mirror glass and light covers), including the cost of damaged bulbs, necessary interior cleaning, and replacement of vignettes affixed to the damaged glass. The agreed deductible is waived when a damaged windscreen is repaired (not replaced) and no other damage requires repair, provided repair costs do not exceed the deductible.

Wir versichern Bruchschäden an der Verglasung des Fahrzeugs. Als Verglasung gelten Glas- und Kunststoffscheiben (z.B. Front-, Heck-, Dach-, Seiten- und Trennscheiben), Spiegelglas und Abdeckungen von Leuchten.

[166] Natural perils: Covered ↩

Teilkasko covers direct damage from storm and gale (minimum wind force 8), hail, lightning strike, flood, snow and roof avalanches, earthquake, landslide, ground subsidence (Erdfall) and volcanic eruption, including objects thrown onto or against the vehicle by these forces.

Wir versichern die direkte Einwirkung von Sturm und Böen, Hagel, Blitzschlag, Überschwemmung, Schnee- und Dachlawinen, Erdbeben, Erdrutsch (z. B. Muren), Erdfall und Vulkanausbruch auf das Fahrzeug.

[167] Vandalism: Conditional ↩

Vollkasko covers malicious or spiteful acts by persons not authorised to use the vehicle, and, as of the current edition, also damage from a hacking/cyberattack directed immediately at the insured vehicle (not an attack on a manufacturer's server that only indirectly affects the vehicle). Teilkasko does not include this event; it only activates when Vollkasko is selected.

Wir versichern mut- oder böswillige Handlungen von Personen, die in keiner Weise berechtigt sind, das Fahrzeug zu nutzen.

[168] Roadside assistance: Optional ↩

Optional add-on for vehicles registered in Germany, covering roadside breakdown repair (up to EUR 150), towing (up to EUR 250), vehicle recovery, rental of an equivalent vehicle (up to 7 days at up to EUR 50/day), overnight accommodation, return/onward travel costs, and assistance abroad including medical repatriation and legal/interpreter support.

Wir sorgen für die Wiederherstellung der Fahrbereitschaft an der Schadensstelle durch ein Pannenhilfsfahrzeug. Außerdem übernehmen wir die hierdurch entstehenden Kosten.

[169] Replacement vehicle: €50 ↩

Optional add-on: after a covered Kasko claim, ERGO arranges a same-class replacement vehicle in Germany for up to 14 days, or pays a usage-loss compensation of EUR 50 per day (max. 14 days) if the vehicle is not used; not paid for pure glass-breakage claims. In Vollkasko, this module also extends cover to accidents abroad with a foreign-insured vehicle (Auslandsschadenschutz).

Wenn wir einen Kaskoschaden entschädigen, vermitteln wir Ihnen in Deutschland für die Dauer der Reparatur ein klassengleiches Fahrzeug für maximal 14 Tage.

[170] Driver accident: Excluded ↩

No personal accident insurance for the driver or occupants is offered as part of this Kasko product; the selectable modules relate to vehicle damage, breakdown assistance and mobility, not to bodily injury of the driver.

[171] Own damage: Covered ↩

Covers damage, destruction, loss or total loss of the insured vehicle from perils covered under Partial Comprehensive (Teilkasko) or Comprehensive (Vollkasko), e.g. fire, theft, natural perils, accident or vandalism. Compensation is based on the replacement value (Wiederbeschaffungswert) less residual value, capped overall at the new price (Neupreis) of the vehicle.

[172] Total loss: Covered ↩

At total loss, destruction, theft or other loss, EUROPA pays the replacement value less residual value. Within 36 months of first registration (Komfort tier) or 3 months (Basic tier), new-value compensation (Neupreisentschädigung) is paid instead, provided the policyholder is still the original first owner; the Komfort tier also pays a 2,500 EUR bonus when switching from a combustion vehicle to an equivalent newly registered electric or hydrogen vehicle.

Bei einem selbstverschuldeten Totalschaden oder einem Diebstahl ersetzen wir Ihnen bis zu 36 Monate nach Erstzulassung den Neuwert Ihres Autos.

[173] Partial loss: Covered ↩

Covers the cost of repair up to the replacement value of the vehicle (or replacement value less residual value if not fully repaired). A betterment deduction ('neu für alt') applies to parts and paintwork; in the Komfort tier this is largely waived (only convertible roofs), while in the Basic tier it applies from year one for several component groups and to all parts from year three.

[174] Theft & robbery: Covered ↩

Partial Comprehensive (Teilkasko) covers theft, robbery, extortion-related surrender of the vehicle, embezzlement (under conditions) and unauthorised use of the vehicle or its co-insured parts; included in both Basic and Komfort tiers.

[175] Glass damage: Covered ↩

Covers breakage damage to the vehicle's glazing. The Komfort tier additionally covers resulting damage to light bulbs, interior cleaning costs and replacement of a toll/eco vignette invalidated by the breakage; these ancillary benefits are not included in the Basic tier. The deductible is waived for glass repair (not replacement) carried out at an EUROPA partner workshop after prior telephone notification.

[176] Natural perils: Covered ↩

Covers direct damage from storm (from wind force 8), hail, lightning, flood, earthquake and volcanic eruption in both tiers. The Komfort tier additionally covers snow avalanches, roof avalanches, landslides and ground subsidence, which are excluded in the Basic tier.

[177] Vandalism: Conditional ↩

Malicious or spiteful acts by persons not entitled to use the vehicle are covered only under Comprehensive cover (Vollkasko), not under Partial Comprehensive (Teilkasko). Available in both the Basic and Komfort tiers, but only if Vollkasko is selected.

[178] Roadside assistance: Optional ↩

Roadside and breakdown assistance is provided through the Kfz-Schutzbrief, a legally separate optional contract that can only be taken out together with an EUROPA motor liability policy for the same vehicle; it is not automatically included in the casco (Kasko) cover itself.

[179] Replacement vehicle: Excluded ↩

The base Kasko cover explicitly excludes rental-car costs and loss-of-use compensation. An exception exists under the optional Spar-Kasko workshop-binding rider, which provides a free courtesy car (small-car class) for the duration of glass replacement (not repair) at an EUROPA partner workshop. Broader rental-car cover (up to 90 EUR/day, max. 7 days domestically, or up to 630 EUR abroad) is available only via the separately purchasable Kfz-Schutzbrief.

[180] Driver accident: Optional ↩

Driver cover is available as the optional Fahrerschutz add-on (EUR 35/year), covering the driver's own injuries in a self-caused accident.

Für nur 35 € / Jahr ist der Fahrer des versicherten Fahrzeugs im Falle eines selbst verschuldeten Unfalls umfassend versichert.

[181] Own damage: Covered ↩

Covers damage, destruction, loss or total loss of the insured vehicle under partial (Teilkasko) or comprehensive (Vollkasko) cover. Compensation is not a fixed sum insured; it is generally limited to the vehicle's replacement value (Wiederbeschaffungswert), with an overall maximum equal to the vehicle's new price (Neupreis).

[182] Total loss: Covered ↩

In case of total loss, destruction or loss of the vehicle, the replacement value minus residual value is paid. Within 36 months of first registration (Komfort tariff) or only 3 months (Basis tariff), new-price compensation (Neupreisentschädigung) is paid instead of the replacement value. The Komfort tariff additionally pays a used-vehicle purchase-value compensation (Kaufwertentschädigung) for vehicles up to 48 months old within 36 months of purchase, which is not available in the Basis tariff, plus a EUR 2,500 bonus when switching from a combustion vehicle to a first-registered electric/hydrogen vehicle.

innerhalb von 36 Monaten nach Erstzulassung tritt ein Totalschaden, eine Zerstörung oder ein Verlust des Fahrzeugs ein [...] Abweichend gilt die Neupreisentschädigung bei Pkw im Basis-Tarif nur innerhalb von 3 Monaten nach Erstzulassung. [...] innerhalb von 36 Monaten nach der erstmaligen Zulassung auf Sie tritt ein Totalschaden, eine Zerstörung oder ein Verlust des Fahrzeugs ein, bei der erstmaligen Zulassung auf Sie darf das Fahrzeug maximal 48 Monate alt sein

[183] Partial loss: Covered ↩

Repair costs are reimbursed up to the vehicle's replacement value. Age-based 'new-for-old' deductions on replaced parts apply only to convertible soft-tops in the Komfort tariff, whereas in the Basis tariff such deductions also apply to tyres, battery, paintwork, convertible soft-tops and infotainment systems during the first two years, and to all parts from the third year onward.

[184] Theft & robbery: Covered ↩

Theft, robbery, misappropriation and unauthorized use of the vehicle are covered under partial cover (Teilkasko) in both the Basis and Komfort tariffs. The police must be notified immediately for theft claims exceeding EUR 500.

[185] Glass damage: Covered ↩

Glass breakage is covered in both tariffs. The Komfort tariff additionally covers bulb replacement and interior cleaning costs after breakage and reimburses non-reusable motorway vignettes/emission stickers; these extras are excluded in the Basis tariff. The deductible is waived on both tariffs if the damage is reported by phone before repair and the glass is repaired (not replaced) at a nominated partner workshop.

[186] Natural perils: Covered ↩

The Basis tariff covers storm, hail, lightning strike, flood, earthquake and volcanic eruption. The Komfort tariff additionally covers indirect lightning-induced overvoltage damage to electric/hybrid vehicles and snow/roof avalanches, landslide and subsidence (Erdfall); these extensions are excluded from the Basis tariff.

[187] Vandalism: Conditional ↩

Damage from accident and vandalism (malicious or mischievous acts by persons not authorized to use the vehicle) is covered only under comprehensive cover (Vollkasko), in both the Basis and Komfort tariffs; it is not covered under partial cover (Teilkasko) alone.

[188] Roadside assistance: Optional ↩

Roadside and breakdown assistance is not part of Kasko cover itself. It can be added as an optional rider (Kfz-Schutzbrief) for a surcharge of EUR 14.99, available with both the Basis and Komfort tariffs, covering breakdown recovery, towing, and further travel assistance in Europe and non-European EU territories.

[189] Replacement vehicle: Optional ↩

Kasko cover does not generally include a replacement vehicle. Under the discounted Spar-Kasko variant, a free courtesy car (small-car class) is provided only while the windscreen is being replaced (not for repairs) at a partner workshop. Broader rental-car assistance is available only via the optional Kfz-Schutzbrief rider (up to EUR 90/day for up to 7 days domestically; up to EUR 630 abroad, regardless of duration).

[190] Driver accident: See details ↩

No dedicated driver/passenger accident insurance is included in the EUROPA-go Kasko product.

[191] Own damage: Covered ↩

Covers the insured car against damage, destruction, total loss or loss resulting from events under partial casco (Teilkasko) or full casco (Vollkasko). Maximum indemnity is capped at the vehicle's new price (Neupreis). Factory-fitted parts are co-insured; retrofitted parts/accessories and special equipment are covered up to €5,000 per claim (base) or €20,000 per claim with TeilkaskoPLUS/VollkaskoPLUS.

Für die oben genannten Spezialaufbauten /-ausrüstungen sowie nachträglich eingebaute Fahrzeug- und Zubehörteile, soweit sie im Pkw eingebaut oder durch entsprechende Halterung fest verbunden sind, ist die Entschädigung im Kernschutz Teilkasko bzw. Vollkasko auf maximal 5.000 Euro pro Schadenfall beschränkt.

[192] Total loss: Covered ↩

Pays the replacement value (Wiederbeschaffungswert) less residual value. New-price compensation (Neupreisentschädigung) applies if the loss occurs within 6 months of first registration (base Kernschutz), extended to 24 months under VollkaskoPLUS, provided the owner bought the vehicle new from a manufacturer/dealer.

[193] Partial loss: Covered ↩

Reimburses repair costs up to the replacement value if fully and properly repaired (against invoice), otherwise up to replacement value less residual value. Disposal, towage and OEM-price surcharges are also reimbursed against invoice; 'new-for-old' deductions are waived (A.2.9.5).

[194] Theft & robbery: Covered ↩

Covers theft, robbery, unauthorized use (under conditions) and embezzlement of the vehicle or its co-insured parts. A percentage deduction applies to theft claims unless the vehicle was secured with a recognized immobilizer (Wegfahrsperre) at the time of theft. TeilkaskoPLUS additionally grants a free courtesy vehicle (one class lower) for up to one month after theft.

[195] Glass damage: Covered ↩

Covers breakage of the vehicle's glazing (windscreen, rear, roof, side and partition glass, mirror glass, light covers); glass/plastic parts of assistance, camera or information systems, solar modules, displays, monitors and bulbs are excluded, as are consequential damages. If the 'Partnerwerkstatt' service is agreed, reimbursement requires use of the designated glass specialist.

[196] Natural perils: Covered ↩

Base cover includes storm (wind force 8+), hail, lightning, avalanche and flood. TeilkaskoPLUS/VollkaskoPLUS extend this to earthquake, ground subsidence, landslide, volcanic eruption and roof avalanches (Dachlawine).

[197] Vandalism: Conditional ↩

Malicious or spiteful acts by unauthorised third parties are covered only under Vollkasko/VollkaskoPLUS core cover; Teilkasko explicitly excludes vandalism and accident damage per both IPIDs.

[198] Roadside assistance: Optional ↩

Not part of the Kasko contract itself. The Schutzbrief (breakdown and accident assistance) can only be taken out together with the MTPL (Kfz-Haftpflicht) contract for the same vehicle, not as a Kasko add-on. It covers on-site breakdown help, towing, recovery and, from 50 km away from home, return/onward travel, accommodation, rental car and repatriation assistance.

[199] Replacement vehicle: Conditional ↩

Under TeilkaskoPLUS (also included in VollkaskoPLUS), a free replacement vehicle one rental class lower is provided after theft of the insured vehicle, until the recovered vehicle is repaired or a new vehicle is purchased, limited to one month from the time of theft. A separate rental-car benefit (up to €70/day, max 7 days) also exists under the Schutzbrief rider, which is tied to the MTPL contract, not to Kasko.

[200] Driver accident: Optional ↩

A separately selectable insurance type (not automatically part of Kasko) paying agreed lump sums to vehicle occupants for invalidity or death; sums are stated in the policy schedule. Not included in the Vario Kasko core contract itself.

[201] Own damage: Covered ↩

Vollkasko covers accidental damage to the policyholder's own vehicle, including damage the driver caused themselves and vandalism (mut- oder böswillige Handlungen), on top of all Teilkasko perils; it is offered as a selectable extension in all three tiers (Kompakt, Komfort, Premium).

[202] Total loss: Covered ↩

On total loss, destruction or loss of the vehicle, new-car purchase price (incl. registration/transfer costs up to EUR 1,000) is replaced if the event occurs within 12 months (Kompakt), 24 months (Komfort) or 36 months (Premium) of first registration. For used cars, compensation is the replacement value (Wiederbeschaffungswert) plus 15%, within the same 12/24/36-month windows from registration.

Kaufpreisersatz für Neuwagen bei Totalschaden, Zerstörung oder Verlust bis 12 Monate nach Erstzulassung, inkl. Zulassungs- und Überführungskosten bis 1.000 EUR

[203] Partial loss: Covered ↩

Partial damage to the insured vehicle is covered under Vollkasko up to the actual cost of repair, with no separate sub-limit. Special equipment/accessories are covered separately up to EUR 5,000 (Kompakt), EUR 10,000 (Komfort) or EUR 15,000 (Premium).

Ersatz der Sonderausstattung bis 5.000 EUR bis 10.000 EUR bis 15.000 EUR

[204] Theft & robbery: Covered ↩

Theft, robbery, unauthorised use and embezzlement of the vehicle are covered under Teilkasko in all three tiers.

[205] Glass damage: Covered ↩

Glass damage (windscreen, side/rear windows) that is repaired is covered without a deductible in all three tiers under Teilkasko; this waiver does not apply to full pane replacement.

Keine Selbstbeteiligung, wenn Glasschäden repariert werden (gilt nicht für Scheibenaustausch)

[206] Natural perils: Conditional ↩

Roof-avalanche damage (Dachlawinen) is covered in all three tiers. Earthquake and landslide damage is covered from the Komfort tier upward. Sinkhole (Erdfall) and volcanic eruption are covered only in the Premium tier.

Schäden durch Dachlawinen

[207] Vandalism: Covered ↩

Vollkasko covers damage from malicious or wanton acts (vandalism); the optional Werkstatt Plus repair-network service explicitly applies to damage from accidents and vandalism (Vandalismus) across Kompakt, Komfort and Premium.

Die Vollkasko deckt Schäden am eigenen Fahrzeug, die der Fahrer bzw. Halter selbst ver­ursacht oder zu ver­antworten hat. Zusätzlich springt die Voll­kasko ein, wenn Un­be­kannte mut­willig Ihr Fahrzeug be­schädigen (Vandalismus).

[208] Roadside assistance: Optional ↩

A Europe-wide breakdown/accident/theft assistance package (Schutzbrief) can be added as an optional rider in all three tiers.

Schutzbrief: europaweite Hilfe bei Panne, Unfall oder Diebstahl

[209] Replacement vehicle: €200 ↩

A replacement vehicle during repair is only available in the Premium tier, up to EUR 40/day and a maximum of EUR 200; it cannot be purchased in Kompakt or Komfort.

Ersatzwagen bei Reparatur ⊖ ⊖ bis zu 40 EUR/Tag, max. 200 EUR

[210] Driver accident: Optional ↩

Fahrerschutz (salary and cost reimbursement for the driver after an accident) can be added as an optional rider in Komfort and Premium; it is not available in Kompakt.

Fahrerschutz: Gehalts- und Kostenerstattung nach einem Unfall ⊖ ○ ○

[211] Own damage: Covered ↩

Covers damage, destruction, total loss or loss of the insured vehicle via Teilkasko and/or Vollkasko events. Compensation is capped at the vehicle's new list price (Neupreis), not a fixed pre-set sum insured.

[212] Total loss: Covered ↩

Pays the replacement value (Wiederbeschaffungswert) minus residual value. For Pkw OPTIMAL, if a total loss occurs within 36 months of first registration, the full new price (Neupreis) is paid instead (A.2.5.1.3). For used vehicles first registered to the policyholder at up to 48 months old, the proven purchase price is paid if total loss occurs within 36 months of that registration (A.2.5.1.5).

[213] Partial loss: Covered ↩

Reimburses repair costs up to the replacement value if the vehicle is fully and properly repaired, or up to replacement value minus residual value otherwise. No betterment deduction ('Abzug neu für alt') applies for Pkw in OPTIMAL and other private vehicles (A.2.5.2.1, A.2.5.2.4).

[214] Theft & robbery: Covered ↩

Covers theft, robbery, robbery-induced surrender and, under conditions, unauthorised use and embezzlement (A.2.2.1.2). For Pkw OPTIMAL and other private vehicles, fuel theft via tank/cap damage is also covered with a flat EUR 50 fuel reimbursement. A 10% reduction of the payout applies if the vehicle lacked a self-arming electronic immobiliser at the time of theft (A.2.5.1.9).

[215] Glass damage: Covered ↩

Covers breakage damage to vehicle glazing (windscreen, rear, roof and side windows, mirror glass and light covers) regardless of cause, plus up to EUR 200 for environmental badges/toll vignettes when the windscreen is replaced. For Pkw OPTIMAL and other vehicle types this also includes interior cleaning, light-bulb replacement and necessary recalibration after windscreen replacement. The deductible is waived if the glass is repaired rather than replaced via an insurer-arranged glazier (A.2.2.1.5).

Ist ein Austausch der Frontscheibe erforderlich, ersetzen wir auch die Kosten für Umweltplaketten und Autobahnvignetten bis zu einer Höhe von insgesamt 200 EUR.

[216] Natural perils: Covered ↩

Covers direct impact of storm, hail, lightning strike and flooding. For Pkw OPTIMAL and other vehicle types, cover is extended to avalanches, roof avalanches, snow pressure, landslide, mudslide, earthquake and ground subsidence (A.2.2.1.3).

[217] Vandalism: Conditional ↩

Covers malicious or mischievous acts committed by persons not authorised to use the vehicle. This event is part of the Vollkasko (comprehensive) component only and is not included under Teilkasko (A.2.2.2.3).

[218] Roadside assistance: €300 ↩

KASKO PLUS roadside-assistance cover is included by default (opt-out) for Pkw OPTIMAL, providing on-site breakdown/accident assistance up to EUR 300, towing up to EUR 300, vehicle recovery, and misfuelling assistance up to EUR 2,000. No deductible applies to these services (A.3.5, A.2.5.10.3).

[219] Replacement vehicle: €490 ↩

Under KASKO PLUS, rental car costs are covered up to EUR 70/day for a maximum of one month after theft, up to EUR 490 total after a total loss, and up to seven days (EUR 70/day) while the vehicle is repaired, whether Generali- or self-organised; abroad the cap is EUR 490 total (A.3.6.3).

[220] Driver accident: Covered ↩

FAHRER PLUS is included by default (opt-out) for Pkw OPTIMAL and compensates actual personal-injury damages (e.g. lost earnings, survivor's pension, pain and suffering) for the driver and passengers, up to the vehicle's contracted Kfz-Haftpflicht bodily-injury limits, rather than a fixed pre-set sum insured (A.5).

[221] Own damage: Covered ↩

Casco is a pure property insurance that protects the policyholder against financial loss from damage to or loss of their own vehicles; it can be taken out as Teilkasko (partial) or Vollkasko (comprehensive), with Vollkasko automatically including all Teilkasko benefits.

Die Kaskoversicherung ist im Gegensatz zur Kfz-Haftpflichtversicherung eine reine Sachversicherung. Sie tritt immer dann ein, wenn Schäden an Ihrem eigenen Fahrzeug entstehen.

[222] Total loss: Covered ↩

In the event of a total loss, GVV Kommunal indemnifies at new purchase price, including for trucks (LKW), rather than only the time-of-loss value.

[223] Partial loss: Covered ↩

Teilkasko covers partial damage to the vehicle; choosing Vollkasko automatically includes all Teilkasko benefits plus additional protection.

Bei Abschluss der Vollkaskoversicherung ist die Teilkaskoversicherung automatisch enthalten.

[224] Theft & robbery: Covered ↩

Teilkasko covers theft, unauthorised use and robbery of the vehicle, and theft of vehicle keys after a burglary or robbery.

Entwendung, insbesondere Diebstahl sowie unbefugten Gebrauch und Raub ... Entwendung von Fahrzeugschlüsseln nach einem Einbruch oder Raub

[225] Glass damage: Covered ↩

Teilkasko covers glass breakage.

Glasbruchschäden

[226] Natural perils: Covered ↩

Teilkasko covers natural events such as storm, hail, lightning, snow avalanche and flooding.

Elementarereignisse wie Sturm, Hagel, Blitz, Schneelawine und Überschwemmung

[227] Vandalism: Covered ↩

Vollkasko covers malicious or wilful damage by persons outside the organisation (vandalism).

Schäden durch mut- oder böswillige Handlungen betriebsfremder Personen

[228] Roadside assistance: See details ↩

No dedicated roadside-assistance benefit was stated for this product; a nationwide workshop network supports claims handling instead (see key conditions).

Deutschlandweites Werkstattnetz mit über 950 Partnern

[229] Replacement vehicle: See details ↩

[230] Driver accident: Optional ↩

Driver and passenger accident protection is offered as a separate product, the Kfz-Unfallversicherung, described as a useful complement to the MTPL and Casco policies rather than part of Casco itself.

Mit ihrem hohen Maß an zusätzlicher Sicherheit ist die Kfz-Unfallversicherung von GVV Kommunal eine nützliche Ergänzung zur Kfz-Haftpflicht- und Kaskoversicherung.

[231] Own damage: Not established from the insurer's documents ↩

HDI reimburses damage to, destruction of, or loss of the insured vehicle under the Fahrzeugversicherung (Teilkasko/Vollkasko). Total payment is capped at the vehicle's new-price value (Neupreis) unless a special agreement (e.g. BV 243) sets a flat ceiling of 250,000 EUR.

Versichert ist Ihr Fahrzeug gegen Beschädigung, Zerstörung, Totalschaden oder Verlust infolge eines Ereignisses nach A.2.2.1 (Fahrzeugteilversicherung) oder A.2.2.2 (Fahrzeugvollversicherung).

[232] Total loss: Not established from the insurer's documents ↩

HDI pays the replacement value (Wiederbeschaffungswert) less any residual value in case of total loss, destruction or loss of the vehicle. New-value compensation (Neupreisentschädigung) applies if the loss occurs within 12 months of first registration under Motor Komfort; Motor Premium extends this window to 36 months.

Bei Totalschaden, Zerstörung oder Verlust des Fahrzeugs zahlen wir den Wiederbeschaffungswert unter Abzug eines vorhandenen Restwerts des Fahrzeugs.

[233] Partial loss: Not established from the insurer's documents ↩

If the vehicle is damaged but not a total loss, HDI pays the necessary repair costs up to the replacement value, or, if not fully repaired, up to the replacement value less residual value.

Wird das Fahrzeug beschädigt, zahlen wir die für die Reparatur erforderlichen Kosten bis zu folgenden Obergrenzen

[234] Theft & robbery: Not established from the insurer's documents ↩

Covers theft, robbery, and unauthorised use of the vehicle by non-staff persons. Embezzlement (Unterschlagung) is covered only under limited conditions in Motor Komfort, but without exception under Motor Premium.

Versichert sind Diebstahl und Raub sowie die Herausgabe des Fahrzeugs aufgrund räuberischer Erpressung.

[235] Glass damage: Not established from the insurer's documents ↩

Covers breakage of windscreen, side and rear windows, mirror glass and light covers regardless of cause. No deductible applies if the glass is professionally repaired instead of replaced.

Versichert sind Bruchschäden an der Verglasung des Fahrzeugs.

[236] Natural perils: Not established from the insurer's documents ↩

Covers direct impact of lightning, earthquake, landslide, subsidence, hail, avalanche, storm (wind force 8 or above) and flooding on the vehicle.

Versichert ist die unmittelbare Einwirkung auf das Fahrzeug von: Blitzschlag, Erdbeben..., Erdrutsch..., Erdsenkung..., Hagel, Lawinen..., Sturm (wetterbedingte Luftbewegung von mindestens Windstärke 8), Überschwemmung

[237] Vandalism: Not established from the insurer's documents ↩

Malicious or spiteful acts by unauthorised third parties are covered only under the Fahrzeugvollversicherung (Vollkasko); they are not covered under the basic Fahrzeugteilversicherung (Teilkasko).

Versichert sind mut- oder böswillige Handlungen von Personen, die in keiner Weise berechtigt sind, das Fahrzeug zu gebrauchen.

[238] Roadside assistance: Not established from the insurer's documents ↩

Not part of the Fahrzeugversicherung itself; available only via the separate Mobilitäts-Schutz contract, which can only be taken out together with the Kfz-Haftpflichtversicherung for the same vehicle. Covers, e.g., on-site breakdown recovery up to 300 EUR and towing to the nearest workshop up to 400 EUR.

Kann das Fahrzeug an der Schadenstelle nicht wieder fahrbereit gemacht werden, organisieren wir für Sie das Abschleppen des Fahrzeugs in die nächstgelegene Fachwerkstatt... Der Höchstbetrag für diese Leistung beläuft sich auf 400 Euro

[239] Replacement vehicle: Not established from the insurer's documents ↩

Not included in the Fahrzeugversicherung (rental-car costs are explicitly excluded). Available only via the optional Mobilitäts-Schutz rider: HDI helps arrange a rental car and pays up to 50 EUR/day for 7 days, or 14 days if the incident occurs at least 50 km from the policyholder's German address; abroad, a flat 350 EUR or 700 EUR applies instead of the daily rate.

Wir zahlen maximal 50 Euro je Tag und höchstens für sieben Tage oder 14 Tage, wenn die Hilfeleistung an einem Ort erfolgt, der mindestens 50 km Luftlinie von der Anschrift des Halters in Deutschland entfernt ist.

[240] Driver accident: Not established from the insurer's documents ↩

Not part of the Fahrzeugversicherung; available as an optional rider (Fahrer-Schutz) to the Kfz-Haftpflichtversicherung for cars, campervans and works-traffic vans, covering personal injury suffered by the authorised driver in an accident. Cover applies only to drivers who have completed their 23rd year of age, up to 8 million EUR per claim and insurance year.

Die Höchstentschädigung beträgt 8 Mio. Euro pro Schaden und Versicherungsjahr.

[241] Own damage: Covered ↩

Covers damage, destruction, total loss or loss of the insured vehicle and its permanently fitted components under Teilkasko and/or Vollkasko, depending on the tier purchased. Compensation follows the Wiederbeschaffungswert (replacement value) minus salvage value for total loss, or repair costs up to the Wiederbeschaffungswert for repairable damage. Maximum compensation is capped at the vehicle's Neupreis (new price) or, if the model is discontinued, its market value.

Bei Totalschaden, Zerstörung oder Verlust des Fahrzeugs zahlen wir den Wiederbeschaffungswert, den Restwert des Fahrzeugs ziehen wir ab.

[242] Total loss: Covered ↩

In case of total loss, destruction or loss of the vehicle, HUK pays the Wiederbeschaffungswert minus any salvage value. If this occurs within 24 months of first registration (Pkw, motorcycles, campers), the full new price (Neupreis) is paid instead, minus salvage value; this period is only 6 months under the Basis-Tarif and extends to 36 months with Kasko PLUS. For leased or financed vehicles, an integrated GAP cover (Differenzkasko) pays the gap between the agreed maximum indemnity and the outstanding discounted loan/lease balance, except in the Basis-Tarif where GAP cover is excluded.

Bei Pkw, Krafträdern/-rollern, Leichtkrafträdern/-rollern, Kleinkrafträdern, Quads, Trikes und Campingfahrzeugen zahlen wir deren Neupreis, wenn die folgenden Voraussetzungen alle vorliegen

[243] Partial loss: Covered ↩

If the vehicle is damaged but not a total loss, HUK pays the necessary repair costs up to the Wiederbeschaffungswert when the vehicle is fully and properly repaired (proven by invoice); if not fully repaired, payment is limited to the Wiederbeschaffungswert minus salvage value. Costs of diagnosing a damaged drive battery or recalibrating replaced sensors are included as necessary repair costs. Towing costs to the nearest suitable repair or diagnostic workshop are also covered.

Wird das Fahrzeug vollständig und fachgerecht repariert? Dann zahlen wir die erforderlichen Kosten der Reparatur bis zur Höhe des Wiederbeschaffungswerts, wenn Sie uns dies durch eine Rechnung nachweisen.

[244] Theft & robbery: Covered ↩

Covers theft, robbery, embezzlement of the vehicle, and surrender of the vehicle through extortion, including damage caused while stealing the vehicle, a part, or its contents (even attempted theft). Unauthorized use is covered only if the perpetrator had no relationship of trust to the vehicle at all.

Versicherungsschutz besteht, wenn das Fahrzeug gestohlen, geraubt oder unterschlagen wird, oder wenn die Herausgabe des Fahrzeugs erpresst wird.

[245] Glass damage: Covered ↩

Covers breakage damage to the vehicle's glazing (front, rear, partition and side windows, glass roofs, mirrors, light covers, including glass/plastic parts of integrated driver-assistance systems and displays), including replacement of the light source if required. The deductible is waived if the policyholder has the damaged glass repaired rather than replaced, provided the workshop was agreed with HUK beforehand.

Versichert sind Bruchschäden an der Verglasung des Fahrzeugs. ... Bei einem Glasbruchschaden zahlen wir auch einen etwa erforderlichen Ersatz des Leuchtmittels.

[246] Natural perils: Covered ↩

Covers direct impact on the vehicle from storm (wind force 7 / at least 50 km/h), hail, flooding, earthquake, ground subsidence, landslide, avalanches, roof avalanches and volcanic eruption, plus lightning strikes including surge damage (e.g. while charging an EV). Under the Basis-Tarif, damage from avalanches and roof avalanches is excluded.

Versichert sind: Die unmittelbare Einwirkung auf das Fahrzeug durch Naturgewalten. Naturgewalten sind Sturm, Hagel, Überschwemmung, Erdbeben, Erdsenkung, Erdrutsch, Lawinen, Dachlawinen oder Vulkanausbruch.