AdmiralDirekt.de GmbH
AdmiralDirekt
AdmiralDirekt is a motor casco insurance for the Germany market with online purchase and limited assistance availability.
Direct payment
Within the optional Werkstattbonus network, AdmiralDirekt settles repair invoices directly with the partner workshop; without Werkstattbonus, the policyholder generally pays and is reimbursed, except for glass repairs (not replacements) carried out at a workshop nominated by AdmiralDirekt, which are settled directly and without deductible.
Geographic scope
Germany, with coverage extending across the geographic borders of Europe (including the European and Asian parts of Turkey) and EU overseas territories
Geographic borders of Europe, the European and Asian parts of Turkey, and non-European territories belonging to the EU (A.2.4 AKB).
Unique selling points
- Kfz-Haftpflicht liability sum of €100 million for property/financial damage in every tariff, far above the statutory minimum.
- Neupreisentschädigung (new-price compensation) extends up to 36 months after first registration in the Premium tariff, well beyond typical market practice.
- Optional Werkstattbonus includes a 6-year repair warranty, free pickup-and-drop-off service, Dekra-certified partner workshops, and deductible-free glass repair.
- Explicit theft coverage for keyless-entry relay attacks and signal jamming, a risk many competitors' standard wording does not name.
- Leistungsupdategarantie: future benefit improvements to the Komfort and Premium tariffs automatically extend to existing policyholders' contracts free of charge.
Coverage limits
Own damage from self-caused accidents
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).
Total loss, destruction or theft compensation
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).
Repair cost reimbursement for partial damage
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).
Theft and 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).
Glass breakage
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).
Natural hazards (storm, hail, flood, etc.)
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).
Vandalism and malicious damage
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).
Roadside assistance / breakdown cover
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.
Replacement vehicle during repair
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).
Driver accident cover
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.
Key conditions
Driver age and experience limit
The T&Cs do not set a minimum driver age or experience limit for casco cover; however, if the vehicle is driven by a person not listed in the policy schedule, an additional €1,500 deductible applies to claims under A.2.2.1.4/A.2.2.1.5 (animal collision) or A.2.2.2.2 (accident).
Repair network requirements
Policyholders have free choice of repair workshop by default. If the optional Werkstattbonus is booked, self-caused/casco damage must be repaired in a designated partner workshop to receive the premium discount and additional benefits (6-year repair warranty, courtesy car, pickup/drop-off); using another workshop without prior contact reduces reimbursement to 75% of costs.
Territorial scope
Casco cover applies within the geographic borders of Europe (including the European and Asian parts of Turkey) and the overseas territories belonging to the EU.
Anti-theft requirements
No specific anti-theft device is mandated to obtain cover, but if the vehicle was not secured by a self-arming electronic immobilizer at the time of a theft, the indemnity is reduced by 10%.
Claim notification deadline
Claims must generally be reported within one week (E.1.1.1); vehicle theft must be reported without delay in text form (E.1.3.1); theft, fire or animal-collision damage exceeding €200 must additionally be reported to the police without delay (E.1.3.3).
Deductible rules
A deductible (Selbstbeteiligung), if agreed, is deducted from each claim per the policy schedule (A.2.5.8.1). AdmiralDirekt's product page recommends €150 for Teilkasko and €300 or €500 for Vollkasko depending on vehicle value and SF-class. The deductible is waived for glass repair (not replacement) at a nominated workshop (A.2.5.8.2), and an additional €1,500 deductible applies for casco damage caused by drivers not named in the policy (A.2.5.8.3).
Documents
Consumer information and General Terms for Motor Insurance (AKB), Edition 09/2025
Terms & conditions
T&Cs for vehicles requiring an insurance registration plate/sticker (mopeds, e-scooters etc.) — different vehicle class, not used for this car casco extraction
Other document
Kfz-Versicherung product/marketing page
Other document
Policy specifics
Coverage for self-caused accidents
Comprehensive insurance covers damages from self-caused accidents (Unfall)
SourceVandalism and malicious damage coverage
Comprehensive insurance covers damages from vandalism and malicious acts by third parties
SourcePartial (Teilkasko) coverages included in Vollkasko
Vollkasko includes all Teilkasko risks: fire, explosion, theft, natural events (storm, hail, lightning, flood, earthquake), collision with wild animals, animal bites
SourceExpanded animal collision coverage in higher tariffs
Basis tariff covers collisions with game/wild animals (Haarwild) only; Komfort and Premium cover collisions with any animal
SourceMarten and rodent bite damage coverage
Coverage for consequential damages from marten and rodent bites; varies by tariff: Basis excludes, Komfort up to €5,000–€25,000 depending on context, Premium covers either €25,000 or unlimited
SourceFlat tire and consequential damage coverage
Coverage for costs and consequential damages from flat tires; included in Komfort and Premium tariffs of Vollkasko, not in Basis
SourceBattery all-risk coverage for electric vehicles
Premium tariff offers unlimited all-risk coverage for battery/drivetrain; Komfort tariff covers battery damage up to €25,000. Includes operational defects, charging errors, short circuits.
SourceSpecial equipment and accessories coverage
Radio/audio/navigation systems, non-serial tuning, and special paintwork/lettering are mitversichert up to a gross new-value ceiling that varies by tariff: €5,000 in Basis, €15,000 in Komfort, and €25,000 in Premium (A.2.1.2.2).
SourceNew-price compensation period
All tariffs pay the Neupreis if a total loss, destruction or loss occurs within 6 months of first registration (A.2.5.1.2 b). Komfort extends this to 24 months; Premium extends it to 36 months. For vehicles bought used, Komfort refunds the paid purchase price within 24 months of purchase and Premium within 36 months (A.2.5.1.2 a).
SourceLeasing gap insurance (GAP insurance)
Available as an optional add-on, only in combination with Teil- or Vollkasko for a privately leased vehicle. Covers the difference between the outstanding leasing balance and the Kasko indemnity in case of total loss or total theft. Cannot be combined with the Werkstattbonus.
SourceRepair workshop selection (Werkstattbonus)
Policyholders can choose free workshop selection, or opt into the Werkstattbonus for a premium discount, which binds casco/self-caused-accident repairs to a nominated partner workshop network in exchange for additional benefits (6-year repair warranty, courtesy car, pickup/drop-off, direct billing).
SourceClaims payment and settlement procedure
For theft: payment is made at the earliest one month after the text-form claim notification, to allow time for the vehicle to be found (A.2.7.3). For other claims: payment follows within two weeks once liability and the indemnity amount are established (A.2.7.1); policyholders may request an appropriate advance if the amount cannot be determined within one month of notification (A.2.7.2).
SourceDirect claims regulation regardless of fault
In Vollkasko, Admiral Direkt regulates claims directly without waiting for third-party liability determination (Direktregulierung)
SourceDeductible (Selbstbeteiligung) options
Vollkasko offers standard deductible options: €300 or €500 recommended for Vollkasko; higher deductible reduces premium
SourceTariff-specific exclusions and conditions
Certain coverages excluded in Basis tariff but included in Komfort/Premium: no waiver of recourse in gross negligence (Basis only), marten damage coverage, flat tire coverage, enhanced compensation periods
Source