Allianz Direct Casco (own-damage car insurance) (Casco Direct)

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.

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.

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.

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.

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.

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.

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.

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).

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.