Allianz Deutschland AG
Allianz Direct
Allianz Direct is a motor casco insurance for the Germany market with online purchase and limited assistance availability.
Direct payment
Allianz Direct arranges repairs directly through its selected partner workshop network based on the actual and necessary repair costs shown on the invoice, up to the replacement value; if the policyholder has the vehicle repaired outside the partner network for reasons within their control, only 70% of the necessary repair costs are reimbursed to the policyholder, unless the 'Freie Werkstattwahl' add-on was selected.
Geographic scope
Germany
Coverage applies within the geographic borders of Europe and the non-European territories of the European Union; if an international insurance card (Green Card) has been issued, coverage also extends to the listed, non-crossed-out countries.
Unique selling points
- Allianz Direct was named the fairest claims settler among German car direct insurers by Focus Money (03/2025).
- Rated the most popular car direct insurer in Germany by €uro magazine with a perfect 100/100 score.
- Ranked the No. 1 direct insurer in Germany in WELT's Digital Champions ranking (07/2026).
- Teilkasko covers damage from bites of any kind of animal, not just deer/wildlife collisions, including consequential damage.
- Fully digital policy management lets customers take out, manage, and adjust their car insurance online at any time.
Coverage limits
Own damage (accident)
Conditional
Only in Vollkasko
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.
Total loss
€100,000
Only in Direct, Direct Plus
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, capped at 100,000 EUR.
Partial damage / repair costs
Covered
Only in Teilkasko, Vollkasko
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.
Theft / robbery
€100,000
Only in Teilkasko, Vollkasko, Direct, Direct Plus
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, capped at 100,000 EUR. If the vehicle is recovered within one month of the loss report, the policyholder must take it back.
Glass damage
Covered
Only in Teilkasko, Vollkasko
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.
Natural perils
Covered
Only in Teilkasko, Vollkasko
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.
Vandalism
Conditional
Only in Vollkasko
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.
Roadside assistance / Mobility guarantee
€750
Only in Mobilitätsgarantie
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).
Replacement vehicle
Conditional
Only in Vollkasko, Teilkasko
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.
Driver accident protection
Optional
Only in Fahrerschutzversicherung
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; the exact amount is not specified in the reviewed documents.
Key conditions
Driver age and experience limit
The reviewed AKB and IPID do not specify a minimum driver age or licence experience requirement for Kasko coverage; only the optional discount protection add-on (Rabattschutz) requires a no-claims class of at least SF-Klasse 4 at policy inception.
Repair network requirements
Repairs must be carried out at a workshop selected by Allianz Direct; if the policyholder, for reasons within their control, has the vehicle repaired elsewhere, only 70% of the necessary and actually incurred repair costs are reimbursed, unless the 'Freie Werkstattwahl' (free workshop choice) add-on has been selected.
Territorial scope
Coverage applies within the geographic borders of Europe and the non-European territories belonging to the EU; if an international insurance card (Green Card) has been issued, coverage also extends to the listed, non-crossed-out countries.
Anti-theft requirements
The reviewed documents do not specify any mandatory anti-theft devices; in the event of theft the policyholder must notify both the police and Allianz Direct without delay.
Claim notification deadline
Any loss event must be reported to Allianz Direct without delay (unverzüglich); for the Kfz-Haftpflichtversicherung a one-week deadline applies for notifying claims and legal actions asserted against the policyholder.
Deductible rules
An agreed deductible is deducted from the compensation for each loss event as stated in the policy schedule; however, no deductible is applied if a glass damage repair is carried out without replacing the pane.
Policy specifics
Workshop repair network
Allianz partner workshop network with special service benefits and cost reductions
SourceGlass damage deductible
No deductible is applied if glass damage repair is carried out without replacing the pane
SourceVehicle recovery and towing
Coverage for towing and recovery from accident scene to nearest suitable workshop
SourceSelf-caused accidents
Vollkasko (Comprehensive) covers damage from self-caused accidents, including parking lot collisions
SourceVandalism and intentional damage
Vollkasko covers vandalism and intentional damage including scratched paint and damaged tires
SourceMotor damage
Vollkasko covers motor damage from any cause including marten bites, but excludes damage from technical defects, operating errors, or wear
SourceDeductible (self-retention)
Vollkasko typically offers deductible options of 300 EUR, 500 EUR, or higher; Teilkasko typically 150 EUR standard
SourceLoss reporting obligation
Insured must report every loss event immediately (unverzüglich); theft requires police notification
SourceGeographic coverage
Coverage within European geographic boundaries and non-European territories of the EU; additional coverage available with Green Card
SourceDeductible (self-retention)
The agreed deductible stated in the policy schedule is deducted from compensation for each loss event
Source