Allianz
Allianz Direct is a motor casco insurance for the de market with online purchase and 24/7 assistance.
Direct payment
Allianz Direct does not offer direct payment to repair shops as a standard feature; repairs are conducted at a workshop chosen by Allianz Direct, with the policyholder placing the repair order themselves. If the insured chooses a workshop outside the partner network without justification, reimbursement is reduced to 70% of the required and actual repair costs.
Geographic scope
de
Geographische Grenzen Europas sowie außereuropäische Gebiete im Geltungsbereich der EU; mit internationaler Versicherungskarte auch weitere genannte Länder
Starting from
€8
Unique selling points
- Gross negligence is covered as standard without any surcharge – Allianz Direct waives the gross negligence defence in both Teilkasko and Vollkasko.
- A replacement vehicle of the smallest category is provided free of charge for the duration of repairs at a partner workshop, without needing a separate roadside assistance add-on (not applicable to glass damage).
- Natural perils coverage is broader than the market minimum: storm from Beaufort 7 (vs. the industry standard of Beaufort 8), plus hurricane, earthquake, subsidence, landslide, mudslide and volcanic eruption are all included.
- Fully digital self-service product: policies can be purchased, managed and adapted online at any time, with a 24/7 claims hotline and digital claims reporting.
- Allianz Direct was awarded 'Most Popular Direct Motor Insurer' (100/100 points) by €uro magazine (09/2025) and repeatedly rated 'Very Good' for fairest price-performance by Focus Money.
Coverage limits
Own damage (self-caused accident)
Covered
Comprehensive (Vollkasko) covers damage to the insured vehicle caused by the policyholder's own accident. An accident is defined as a sudden, externally acting mechanical event. Damage purely from operational causes (e.g. wrong fuelling, shifting load) is not covered. Also covered: mutual damage between towing vehicle and trailer without external influence (Betriebsschaden) – except torsion damage along the longitudinal axis.
SourceTotal loss (Totalschaden)
Covered
In the event of total loss (repair costs exceed replacement value), Allianz Direct pays the replacement value (Wiederbeschaffungswert) minus the residual value (Restwert). If no residual value can be achieved, documented scrapping costs are reimbursed. Maximum compensation is capped at the vehicle's new price. In the Direct product line, no new-price or purchase-price compensation beyond the replacement value is provided (unlike Direct Plus which adds 24 months of purchase-price/new-price compensation).
SourcePartial loss / repair costs
Covered
In the event of damage (partial loss), Allianz Direct pays the actual, required repair costs up to the replacement value, evidenced by an invoice. Pre-existing damage that would inevitably be repaired alongside the claim is deducted. Changes, improvements, ageing and wear are not covered. Rest and old parts remain with the insured and are credited at their sale value. A replacement vehicle of the smallest category is provided for the duration of repair at a partner workshop (not applicable to glass damage).
SourceTheft and robbery
Covered
Covered under Teilkasko (and therefore also Vollkasko): theft, robbery, and extortion (completed or attempted) of the vehicle or vehicle contents. Vandalism damage occurring during theft or attempted theft is excluded. If the vehicle is recovered within one month of the claim report, the insured must take it back. The insurer reimburses the replacement value (Wiederbeschaffungswert) in case of theft.
SourceGlass damage
Covered
Covered under Teilkasko: breakage of glazing, defined as glass and plastic panes (e.g. front, rear, roof, side windows), mirror glass and lamp covers. Not classified as glazing: glass and plastic parts of measurement, assistance, camera and information systems, solar modules, displays, monitors, light sources. No deductible applies if the glass repair is done without replacing the pane.
SourceNatural perils
Covered
Covered under Teilkasko: direct damage caused by storm (Beaufort scale 7 or above), hurricane, hail, lightning strike, flooding, flood, earthquake, subsidence, landslide, avalanche, roof avalanche, mudslide, volcanic eruption. Also covered: damage caused by objects thrown onto or against the vehicle by these natural forces.
SourceVandalism
Covered
Covered under Vollkasko only (not Teilkasko): intentional or malicious acts by persons not authorised to use the vehicle. Also includes damage from a cyberattack (hacking/manipulation of vehicle software) directly targeting the insured vehicle by an unauthorised third party. Not covered: hacker attacks on a server or digital platform of a company communicating with the vehicle.
SourceRoadside assistance / Mobility Guarantee
Optional
Roadside assistance (Mobilitätsgarantie) is an optional add-on module (Teil A.4). It covers breakdown assistance, towing to a workshop, vehicle storage, vehicle recovery (up to 750 EUR), replacement vehicle or travel cost reimbursement (up to 30 EUR/day; max. 5 days for breakdown, 15 days for accident/parts theft, 30 days for theft), hotel accommodation (up to 100 EUR/person/night for max. 3 nights if more than 50 km from home), passenger transport home and international vehicle repatriation. The Kaskoversicherung itself covers towing from the scene of loss to the nearest suitable workshop after a covered event.
SourceReplacement vehicle
Conditional
A replacement vehicle of the smallest category is provided for the duration of repair at an Allianz Direct partner workshop (included in base Vollkasko, not applicable to glass damage and not if the insured chooses free workshop selection). If the optional Mobilitätsgarantie (Teil A.4) is selected, a rental car is organized when the vehicle cannot be made roadworthy on the day of the incident; cost reimbursement alternatively up to 30 EUR/day.
SourceDriver accident protection
Optional
Driver accident protection (Fahrerschutzversicherung, Teil A.5) is an optional add-on. It covers personal injury to the authorised driver caused by an accident while driving the insured vehicle, compensating as if a liable third party existed under German civil law. Covers even grossly negligent accidents; excludes alcohol/drug-related incidents (insurer may reduce or deny), intentional criminal acts, pre-existing physical/psychological disorders causing the accident, and racing. The insurer declares within one month whether and to what extent it will pay, and pays within 2 weeks of acknowledgement.
SourceKey conditions
driver_age_experience_limit
No explicit minimum age or experience requirement stated in the Allianz Direct policy conditions (05/2025). The general obligation applies that the driver must hold the required driving licence for the vehicle class (Teil B Ziffer 8). Gross negligence waivers and coverage reductions apply regardless of age.
repair_network_requirements
Repairs must be carried out in an Allianz Direct-selected partner workshop. The insured must contact Allianz Direct before the repair. If the insured chooses a different workshop without justification, reimbursement is reduced to 70% of the required and actual repair costs. If optional free workshop choice (Teil A.3) is selected, the insured may choose any suitable specialist workshop freely without reduction, but will not receive a replacement vehicle.
territorial_scope
Insurance coverage applies within the geographical boundaries of Europe and the extra-European territories belonging to the European Union's area of application. With an international insurance card (green card), coverage also extends to the non-European countries listed therein that are not crossed out.
anti_theft_requirements
No explicit anti-theft device requirement is stated in the Allianz Direct policy conditions (05/2025). However, the insured has a general duty to minimise loss (Schadenminderungspflicht). Gross negligence enabling theft is excluded from the gross negligence waiver; the insurer may reduce its payment proportionally in such cases.
claim_notification_deadline
In the Kaskoversicherung, the insured must report every loss event that may give rise to a claim immediately (unverzüglich). In the event of theft of the vehicle, vehicle parts or accessories, the insured must notify Allianz Direct and the police immediately. Theft, fire or wildlife damage exceeding 500 EUR must be reported to police immediately. The insured must also obtain Allianz Direct's instructions before beginning repair or disposal.
deductible_rules
A deductible (Selbstbeteiligung) is applied per insured event if agreed in the policy (visible in the insurance certificate). No deductible is applied if a glass damage repair is carried out without replacing the pane. The standard example deductible shown in product communications is 500 EUR for Vollkasko and 150 EUR for Teilkasko, though other amounts can be agreed. A higher deductible reduces the premium.
Where to buy
Documents
Allgemeine Bedingungen für die Allianz Direct Kfz-Versicherung (05/2025)
terms_and_conditions
Versicherungsbedingungen für Ihre Kfz-Versicherung AKB (PKRB 252/03) – AllSecur/Komfort
terms_and_conditions
Versicherungsbedingungen Allianz Kfz-Versicherung AKB (PKRB 300/08) inkl. Zusatzvereinbarung Premium
terms_and_conditions
Policy specifics
Vandalism coverage
Comprehensive (Vollkasko) covers damage to vehicle from intentional damage by third parties, including scratched paint and damaged tires
Self-inflicted accident damage
Comprehensive coverage includes damage from accidents caused by the insured, such as parking lot collisions
Motor damage
Comprehensive covers motor damage from any cause including marten bites, but excludes damage from technical defects, operating errors, or wear
New price compensation
In Premium and Comfort tariff lines, new price compensation is provided for up to 36 months (Premium) or 24 months (Comfort/Direct Plus) after vehicle registration in case of total loss or theft
Battery/Akku protection for electric vehicles
Comprehensive coverage includes protection for electric vehicle batteries with all-risk coverage, including diagnostic costs and disposal costs for damaged accumulators
Deductible (Selbstbeteiligung)
Comprehensive insurance can be selected with deductibles ranging from 150 to 500 EUR per claim, with higher deductibles resulting in lower premiums
War and catastrophe exclusions
Comprehensive insurance does not cover damage caused by war or catastrophes, nor intentional damage or damage under influence of alcohol/drugs
Workshop binding (Werkstattbindung)
Optional feature allowing insured to choose repairs at Allianz partner workshops in exchange for up to 20% premium discount on Comprehensive coverage