ADAC Casco (own-damage car insurance) (Adac Autoversicherung Kasko)

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).

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.

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.

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.

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.

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.

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.

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.

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.