Baloise Sachversicherung AG Deutschland / Baloise Lebensversicherung AG Deutschland
Baloise
Baloise is a motor casco insurance for the Germany market with online purchase and limited assistance availability.
Direct payment
If WerkstattService Premium is agreed and the vehicle is repaired at the Baloise-selected partner workshop, Baloise pays the repair costs directly to the workshop; without this add-on, or if a non-partner workshop is used without prior contact, the policyholder pays the workshop first and is reimbursed afterwards (only 85% of the assessed amount if a partner workshop was available but not contacted beforehand).
Geographic scope
Europe and non-European territories belonging to the EU
Coverage applies within the geographic boundaries of Europe and the non-European territories belonging to the European Union, unless a different scope is agreed; Baloise Assistance (All-in tariff only) additionally covers the non-European Mediterranean bordering states for the extended benefits under the Baustein Reise.
Unique selling points
- Baloise Assistance roadside and accident help across Europe is included free of charge with every Teil- or Vollkasko under the All-in tariff.
- The All-in tariff waives the insurer's right of recourse for gross negligence, unless the driver was intoxicated or drove at excessive speed.
- ElektroSchutz gives electric and hybrid cars in the All-in tariff free all-risk cover for the battery, charging cable, mobile charging station and wallbox.
- New-value compensation is paid for up to 24 months after first registration under All-in (extendable to 48 months with the AutoSchutz 48 add-on), versus only 6 months under the Basis tariff.
- The Bestands- and UpdateGarantie automatically carries over benefits from a customer's previous insurer or newer Baloise tariff generations at no extra cost.
Coverage limits
Own Vehicle Damage (Comprehensive Cover)
Covered
Only in Baloise All-in, Baloise Basis
Covers damage, destruction, total loss or loss of the insured vehicle from the Teilkasko perils (fire, theft, natural hazards, glass breakage, animal collision, marten/animal bite, short-circuit) plus, under Vollkasko, collision and malicious acts; compensation is tied to the vehicle's replacement value and capped at the new price of the vehicle.
Total Loss / Theft / Destruction Compensation
Covered
Only in Baloise All-in, Baloise Basis
Pays the replacement value less residual value on total loss, destruction or loss; for vehicles purchased new, pays the full new price if the loss occurs within 24 months of first registration under All-in (6 months under Basis); for used cars purchased within the last 36 months (All-in only), pays the purchase value if the loss occurs within 24 months of registration to the policyholder; overall compensation is capped at the vehicle's new price.
Repair Cost Coverage (Partial Damage)
Covered
Only in Baloise All-in, Baloise Basis
Pays the costs required for a full and proper repair up to the replacement value against an invoice; without proof of full repair, payment is capped at the replacement value less residual value. If WerkstattService Premium is booked, Baloise selects and pays a partner workshop directly with a 6-year repair warranty; repairs at a non-partner workshop without prior contact are reimbursed at only 85% of the calculated amount.
Theft, Robbery and Unauthorised Use
Covered
Only in Baloise All-in, Baloise Basis
Covers theft (including keyless-entry theft without break-in traces), robbery, robbery-induced surrender of the vehicle, embezzlement under specific conditions, and unauthorised use by a person with no right whatsoever to use the vehicle; excludes use by persons entrusted with the vehicle's care or in a close relationship with the person entitled to dispose of it.
Glass Breakage
Covered
Only in Baloise All-in, Baloise Basis
Covers breakage damage to the vehicle's glazing (windscreen, rear, roof, side and partition glass, mirror glass, light covers) plus interior cleaning after breakage; the All-in tariff additionally covers replacement of toll/inspection stickers on the glass, and no deductible applies if repaired by resin injection instead of full replacement.
Natural Hazards (Storm, Hail, Flood, Lightning, Earthquake)
Covered
Only in Baloise All-in, Baloise Basis
Covers direct impact of storm (minimum wind force 8), hail, lightning and flood in both tariffs; the All-in tariff additionally covers earthquake, land subsidence, landslide, avalanche and volcanic eruption, which are explicitly excluded under the Basis tariff.
Malicious Acts / Vandalism
Covered
Only in Vollkasko - Baloise All-in, Vollkasko - Baloise Basis
Under Vollkasko (comprehensive) cover, damage caused by malicious or mischievous acts of persons with no right whatsoever to use the vehicle is covered in both the All-in and Basis tariff, provided Vollkasko has been selected.
Baloise Assistance (Breakdown & Accident Help)
Conditional
Only in Baloise All-in
Provides roadside assistance (recovery, towing, on-site repair) after breakdown or accident, plus, from 50km away from the policyholder's home, return/onward travel costs, up to 3 nights' accommodation (max EUR 90/night), and a rental car (max EUR 90/day for up to 7 days, capped at EUR 630 abroad); automatically included at no extra premium with every Teil- or Vollkasko under the All-in tariff, but not available at all under the Basis tariff.
Replacement / Rental Vehicle
Conditional
Only in Baloise All-in
A rental car is provided under Baloise Assistance after a breakdown/accident more than 50km from home (max EUR 90/day for up to 7 days, or up to EUR 630 total abroad) — available only under the All-in tariff. Alternatively, if WerkstattService Premium is booked, a free small-class replacement vehicle is provided for the duration of repair at a Baloise partner workshop.
Motor Vehicle Accident Insurance for Occupants
Optional
Only in Baloise All-in, Baloise Basis
A separate, optionally selectable insurance type (Kfz-Unfallversicherung) that pays a lump sum for permanent invalidity (graded by body-part percentages, up to the agreed sum) or a death benefit, plus hospital daily allowance if seatbelts were worn, for the driver and passengers of the insured vehicle; it is not automatically bundled with the Casco cover and its sums insured are individually agreed and shown in the policy schedule.
Key conditions
Driver age and experience limit
The core Casco cover itself does not impose a minimum driver age; however, optional riders such as RabattSchutz Premium and FahrerSchutz require drivers to be at least 24 years old, and Baloise Start covers young drivers up to 23 years.
Repair network requirements
Free choice of repair shop applies by default; if WerkstattService Premium is agreed, Baloise selects the partner workshop, pays repair costs directly, and grants a 6-year warranty on the repair, whereas using a non-partner workshop without prior contact reduces reimbursement to 85% of the calculated cost.
Territorial scope
Casco coverage applies within the geographic boundaries of Europe and the non-European territories belonging to the European Union, unless otherwise agreed.
Anti-theft requirements
The terms do not mandate a specific anti-theft device (e.g. alarm or immobiliser) as a precondition for theft cover; cover for theft/unauthorised use is nonetheless excluded in specific circumstances, such as use by a person entrusted with the vehicle's care or in a close relationship with the person entitled to dispose of it.
Claim notification deadline
Any loss event that could lead to a payment must generally be reported within one week; theft of the vehicle must be reported without delay in text form, and theft/fire/game-collision damage exceeding EUR 500 must be reported to the police immediately.
Deductible rules
An agreed deductible (Selbstbeteiligung) is deducted from the claim payment for each loss event and vehicle; no deductible is applied to windscreen/glass damage repaired by resin-injection (Verbundglasreparatur) instead of replacement, and motorhomes/caravans have a special deductible of EUR 500 for elemental damage and glass breakage regardless of the otherwise agreed deductible.
Documents
General Terms and Conditions for Baloise Kfz-Versicherung All-in/Basis (AKB 10.2024)
Terms & conditions
General Terms and Conditions for Baloise Kfz-Versicherung All-in/Basis (AKB 10.2025)
Terms & conditions
Kfz-Versicherung short benefits summary – All-in (BAK 4125)
Table of benefits
Kfz-Versicherung short benefits summary – Basis (BAK 4126)
Table of benefits
Policy specifics
Comprehensive and Partial Coverage Structure
Not established from the insurer's documents
Baloise Casco product combines Teilkasko (Partial) and Kollisionskasko (Collision) to form Vollkasko (Comprehensive) insurance, covering own vehicle damage from various events
SourceThird-party source, not the insurer's documentSource no longer reachableElectroSchutz - Electric Vehicle Battery Coverage
Not established from the insurer's documents
Optional premium-free coverage for electric vehicles providing all-risk protection for battery/accumulator and charging equipment
SourceThird-party source, not the insurer's documentSource no longer reachableDeductible (Self-Retention) Variation
Not established from the insurer's documents
Deductibles vary by coverage type and tariff level; all documents reference self-retention amounts that apply per claim event
SourceThird-party source, not the insurer's documentSource no longer reachableBaloise Assistance Service Bundling
Not established from the insurer's documents
Breakdown and accident assistance service automatically included in All-in tariff Casco coverage (Part or Full)
SourceThird-party source, not the insurer's documentSource no longer reachableGross Negligence Coverage
Not established from the insurer's documents
All-in tariff covers damages caused by gross negligence; Basis tariff excludes this coverage
SourceThird-party source, not the insurer's documentSource no longer reachableNew Value Compensation (Neuwertentschädigung)
Not established from the insurer's documents
Compensation for new vehicle purchase price in total loss or theft cases; duration and eligibility vary by tariff
SourceThird-party source, not the insurer's documentSource no longer reachableOriginal Parts and Repair Network
Baloise Casco requires use of approved repair facilities or original parts; free choice available in All-in tariff at additional cost
SourceClaims Settlement Method - Direct Payment vs. Reimbursement
Not established from the insurer's documents
Baloise may settle claims directly with repair shops (direct payment) or reimburse policyholder after repair completion
SourceThird-party source, not the insurer's documentSource no longer reachableGeographic Coverage Area
Not established from the insurer's documents
Casco coverage applies in Germany and broader European territory including EU and EEA states
SourceThird-party source, not the insurer's documentSource no longer reachableAnimal Collision Coverage (Extended)
Partial (Teilkasko) coverage for collisions with animals; All-in includes extended coverage for all animal types
SourceOwn Damage (Eigenschaden) Coverage Limit
Not established from the insurer's documents
All-in tariff covers own vehicle damage (Eigenschaden) up to EUR 100,000 for privately used vehicles; Basis excludes this
SourceThird-party source, not the insurer's documentSource no longer reachable