AXA Konzern AG

Driver age and experience limit

The AKB Kraftfahrt standard does not set a minimum driver age or experience requirement for Kasko eligibility; a discount adjustment is available on request once the policyholder has held a licence for 3 claim-free years (I.2.4).

Repair network requirements

Before disposal or repair of the vehicle, the policyholder must obtain AXA's instructions where circumstances allow and follow them as far as reasonable; the base Kraftfahrt standard document does not mandate use of a fixed partner repair network.

Territorial scope

Cover in Kasko applies within the geographic boundaries of Europe and the non-European territories that belong to the European Union.

Anti-theft requirements

No specific anti-theft device (e.g. alarm, immobiliser) is mandated as a precondition for cover in this document; a specific rule applies only to stolen vehicle keys taken by burglary or robbery.

Claim notification deadline

Claims must generally be reported within one week; theft and glass-breakage claims must be reported immediately (unverzüglich); theft, fire or animal-collision damage exceeding 500 EUR must also be reported to the police without delay.

Deductible rules

Any agreed deductible is deducted from the compensation for each claim event as stated in the Versicherungsschein; an extra 500 EUR deductible applies to Teilkasko/Vollkasko claims for goods-transport vehicles occurring outside the declared operating area; no deductible is charged if a chipped windscreen is repaired rather than replaced.

Vehicle repair and replacement services

AXA Casco covers repair costs or replacement value for damaged vehicles through covered events

Partial Casco (Teilkasko) coverage scope

Partial Casco covers damage not caused by the policyholder: theft, glass breakage, fire, storm damage, wildlife collisions, marten bites, and other specified events

Comprehensive Casco (Vollkasko) coverage scope

Comprehensive Casco includes all Partial Casco coverage plus self-caused accidents and vandalism, with extended protection including gross negligence

Glass breakage coverage

Windscreen, rear, and side window glass breakage is covered in Partial Casco

Deductible (Selbstbeteiligung) options

Policyholders can select deductible amounts to reduce premiums; common options include 150 EUR and 1,000 EUR for Partial Casco

New/Replacement value compensation

In case of total loss, AXA compensates either the new value or replacement value (not depreciated value) depending on vehicle age and mileage

Damage claims history discount system (SF-Klassen)

AXA offers up to 50 damage claims history discount classes (SF-Klassen) with corresponding premium discounts for claims-free driving

Rental car (Mietwagen) coverage

If the insured vehicle is not roadworthy due to a covered event (breakdown, accident, theft), AXA covers rental car costs up to specified limits

Total loss settlement basis

In case of total loss, AXA pays the replacement value (Wiederbeschaffungswert) of a comparable used vehicle less any residual value; maximum compensation across all claims is capped at the new price (Neupreis) of the vehicle.

Rental/replacement vehicle costs excluded

This product explicitly excludes reimbursement of loss of use and rental vehicle (Mietfahrzeug) costs as consequential losses.

Vehicle types covered by Casco

Casco covers private cars (Pkw), motorcycles (Krafträder), tricycles (Trikes), quads, caravans up to 4 tonnes, and light commercial vehicles

Territorial coverage (Geltungsbereich)

Casco coverage extends to the European Union and certain neighboring countries; specific list of countries included in policy conditions

Nuclear damage exclusion

Casco explicitly excludes any damage caused by nuclear energy or nuclear reactions

Intentional damage exclusion (Vorsatz)

No insurance coverage exists for damage caused intentionally (Vorsatz) by the policyholder or driver

Alcohol and drug-related damage exclusion

Casco provides no coverage for damage incurred while the driver is under the influence of alcohol, drugs, or medications affecting driving ability

Premium payment frequency options

Policyholders can choose between monthly, quarterly, semi-annual, or annual premium payments

Treatment of intent and gross negligence

No cover exists for damage caused intentionally by the policyholder; for grossly negligent conduct, AXA generally waives the objection of gross negligence, except it may proportionally reduce payment in cases of grossly negligent enabling of theft or causing a claim while intoxicated.

Treatment of alcohol/drug-related damage

If the policyholder grossly negligently causes a claim while under the influence of alcohol or other intoxicants, AXA may reduce its payment proportionally to the degree of fault; full exclusion applies only if the act was intentional.