Allianz Direct Versicherungs-AG
Allianz Direct
Allianz Direct is a motor casco insurance for the Germany market with online purchase and limited assistance availability.
Direct payment
The policyholder commissions and pays the repair workshop directly and is then reimbursed by Allianz Direct for the actual and necessary repair costs against an invoice, up to the replacement value; there is no cashless direct billing to the workshop by the insurer.
Geographic scope
Europe and the non-European territories of the EU
Coverage applies within the geographical borders of Europe and the non-European territories belonging to the EU; if an international insurance card has been issued, coverage also extends to the listed, non-crossed-out countries.
Unique selling points
- Storm damage is covered already from wind force 7, while many competitors only provide cover from wind force 8.
- Allianz Direct waives the gross-negligence defense as a standard feature in both partial and comprehensive casco, with no surcharge required.
- No deductible is charged for a glass-breakage repair as long as the pane itself does not need to be replaced.
- Vandalism cover under comprehensive casco extends to hacker attacks that directly target the insured vehicle's own software.
- Under the Direct Plus line, total loss or theft within the first 24 months after first registration is compensated at the original purchase or new price rather than the lower market replacement value, with no EUR cap under the current terms.
Coverage limits
Own damage coverage (Kasko)
Covered
Covers damage to the insured vehicle, its fixed parts and accessories kept under lock (including EV/hybrid charging cables). Repair costs are reimbursed up to the replacement value (Wiederbeschaffungswert); total compensation for own-damage claims is capped at the vehicle's new price (Neupreis) under the 04/2026 edition.
Total loss
Covered
In case of total loss, the replacement value (Wiederbeschaffungswert) minus residual value is paid. Under the Direct Plus line, within the first 24 months after first registration to the current keeper, the purchase price or new price is paid instead (minus residual value), with no EUR cap under the 04/2026 edition.
Partial damage / repair costs
Covered
Only in Teilkasko, Vollkasko
Covers the actually incurred and necessary repair costs up to the replacement value. Repair must normally take place at a workshop chosen by Allianz Direct; a deductible per Versicherungsschein applies per claim event, except for glass repairs carried out without a pane replacement.
Theft and robbery
Covered
Only in Teilkasko, Vollkasko
Covers theft, robbery and (attempted or completed) extortion of the vehicle or its contents; the replacement value is paid (or the purchase/new price under Direct Plus within 24 months of first registration). Vandalism damage occurring during the theft or attempted theft is not covered under this heading.
Glass breakage
Covered
Only in Teilkasko, Vollkasko
Covers breakage of glazing (e.g. windscreen, rear, roof and side windows), mirror glass and light covers; glass/plastic parts of sensor, assistance, camera and information systems, solar modules, displays, monitors and light bulbs are excluded.
Natural hazards / storm damage
Covered
Only in Teilkasko, Vollkasko
Covers damage directly caused by storm from wind force 7 upward, hurricane, hail, lightning, flooding, earthquake, subsidence, landslide, avalanche, snow-slide avalanche, mudslide and volcanic eruption, including objects thrown onto or against the vehicle by these forces.
Vandalism
Conditional
Only in Vollkasko
Covers malicious or spiteful acts by persons not entitled to use the vehicle, including hacker attacks directly targeting the vehicle's own software; damage from a hacker attacking a third-party server or digital platform that then manipulates the vehicle software is excluded. Only included under comprehensive cover (Vollkasko), not under partial cover (Teilkasko).
Roadside assistance / breakdown mobility
Optional
Towing of the vehicle from the scene of an insured casco loss event to a workshop chosen by Allianz Direct is included within the casco cover itself. Broader roadside assistance for breakdowns, key loss, and accident/theft-related mobility support (courtesy transport, vehicle recovery up to 750 EUR, hotel costs, vehicle repatriation) requires the separate, optional 'Mobilitätsgarantie' product, which is not part of casco.
Replacement vehicle (workshop courtesy car)
Conditional
Only in Direct Plus
A replacement vehicle of the smallest category is provided for the duration of the repair at a partner workshop, but only under the 'Direct Plus' product line (Teil A.7 'Werkstattersatzwagen'); no replacement vehicle is provided for glass damage claims or if the policyholder chose the 'free workshop choice' add-on.
Driver accident protection
Optional
Personal injury suffered by the driver in an at-fault accident is compensated as if a third party were liable, up to the sum insured stated in the Versicherungsschein. This is a separate, optional product (Fahrerschutzversicherung) and is not automatically part of casco cover.
Key conditions
Driver age and experience limit
No specific minimum driver age or driving-experience requirement for casco cover is stated in the reviewed terms and conditions or IPID.
Repair network requirements
Repairs must be carried out at a workshop selected by Allianz Direct; the policyholder must contact Allianz Direct before the repair. If, for reasons attributable to the policyholder, the vehicle is repaired elsewhere, only 70% of the necessary and actually incurred repair costs are reimbursed, unless 'free workshop choice' was selected (always included for motorcycles/scooters).
Territorial scope
Coverage applies within the geographical borders of Europe and the non-European territories belonging to the EU; extended coverage may apply if an international insurance card has been issued.
Anti-theft requirements
No specific anti-theft device or security requirement is stipulated as a condition for theft cover; the policyholder must, however, report any theft of the vehicle immediately to both Allianz Direct and the police.
Claim notification deadline
A loss event or insurance claim under casco must be reported to Allianz Direct 'unverzüglich' (without undue delay); no fixed number of days is specified for casco claims, unlike the one-week deadline that applies specifically to Kfz-Haftpflicht liability claims.
Deductible rules
If a deductible (Selbstbeteiligung) is agreed per the insurance policy, it is deducted from the compensation for each claim event; the deductible is not deducted, however, if a glass breakage repair is carried out without replacing the pane.
Policy specifics
Natural disasters and weather damage
Covers damage from storms (wind force 7+), hail, flooding, earthquake, and similar natural events
SourceTheft and robbery coverage
Covers theft, robbery, and attempted theft of the vehicle or vehicle contents
SourceSelf-caused accident damage
Covers damage from accidents caused by the policyholder, including parking lot collisions
SourceVandalism coverage
Covers intentional damage by third parties including scratched paint, damaged tires, and vandalism
SourceNew car replacement value
Compensates for new/purchase price up to 24 months after vehicle registration in case of total loss or theft
SourceGAP insurance
Covers difference between lease/loan payoff value and vehicle replacement value in case of total loss
SourceDiscount protection
Protects loss-free discount class from downgrade after a self-caused accident
SourceMaximum indemnity cap
Total compensation for vehicle damage under the repair, non-repair, total-loss and theft provisions is capped at the vehicle's new price (Neupreis) under the 04/2026 edition; this overall cap was not present in the 05/2025 edition
SourceTuning and special paint/foil cap
Tuning, special paintwork and foils are only co-insured up to 20,000 EUR for passenger cars and 10,000 EUR for motorcycles/scooters
SourceMotorcycle accessory coverage limit
If the insured vehicle is a motorcycle or scooter, coverage for vehicle accessories (Fahrzeugzubehör) is limited to 10,000 EUR
SourceMotorcycle protective clothing
Under Direct Plus, protective clothing (helmet, jacket, trousers, suit, boots, gloves, rain gear, protectors, airbag vest) is covered up to 2,500 EUR in addition to the vehicle damage, with no deductible, provided a vehicle claim has occurred
SourceCarsharing deductible reimbursement
Under Direct Plus, if the policyholder owes a contractual deductible for a claim with a German-registered carsharing vehicle, Allianz Direct covers the difference up to the deductible agreed in the policyholder's own contract, capped at 1,000 EUR per claim
SourceRepair network policy
Default arrangement requires repair at Allianz Direct partner workshop; policyholder receives no replacement vehicle if choosing alternative workshop
SourceDeductible (self-participation) options
Policyholder can choose different deductible amounts for partial and comprehensive casco independently
SourceClaim reporting requirement
Policyholder must report insured loss immediately (unverzüglich) to Allianz Direct
SourceGross negligence coverage
Allianz Direct waives the gross negligence defense as standard for both partial and comprehensive casco
SourceClause Teil A.2 Ziffer 2Page 6/42Section: Teil A.2 Kaskoversicherung > 2. Teilkasko: In welchen Fällen helfen wir dir?
Auch wenn du einen Schaden grob fahrlässig verursachst, leisten wir. Nur bei Entwendung oder wenn der Schaden wegen Konsums von Alkohol oder berauschender Mittel eingetreten ist, können wir entweder leistungsfrei sein oder die Leistung entsprechend des Verschuldens kürzen. […] Alles, was in der Teilkasko versichert ist (Teil A.2 Ziffer 2) gilt auch hier.
Digital communication requirement
Allianz Direct Kfz insurance is a digital product requiring contract management through online applications
SourceVehicle class scope
Casco coverage under these terms applies to passenger cars, motorcycles and scooters; different tuning/accessory caps and separate no-claims discount class (SF-Klasse) tables apply depending on the vehicle type
Source