BavariaDirekt Versicherung AG
BavariaDirekt
BavariaDirekt is a motor casco insurance for the Germany market with online purchase and limited assistance availability.
Direct payment
Once BavariaDirekt has established its payment obligation and the amount of compensation, payment is made within two weeks. If the amount cannot be determined within one month of the claim notification, the policyholder can request a reasonable advance payment.
Geographic scope
Geographic borders of Europe and the non-European territories of EU member states
Coverage applies within the geographic borders of Europe and the non-European territories of the member states of the European Union; extensions or restrictions can be agreed individually.
Starting price
€8
Indicative — pricing assumptions not stated
Unique selling points
- Price guarantee (Preisgarantie): premium stays frozen for claim-free customers even if the SF-class, type-class or regional-class would otherwise push it up.
- Leistungsupdategarantie automatically applies future benefit improvements to existing contracts at no extra premium.
- Any driver aged 24–65 can be added free of charge for one week per insurance year after simple prior notification.
- New-value compensation (Neuwertentschädigung) for up to 24 months after first registration in the higher tiers, well beyond typical market minimums.
- Vollkasko available online from as little as 7.72 EUR per month with instant online premium calculation and contract conclusion.
Coverage limits
Own vehicle damage from accident (collision)
Covered
Covers damage to the insured car caused by an accident (sudden external event with mechanical force). Maximum indemnity is capped at the vehicle's new purchase price (Neupreis). Included in all tiers Komfort M, L and XL.
Total loss / theft compensation (new-value and purchase-value indemnity)
Conditional
Base compensation is the replacement value (Wiederbeschaffungswert) minus residual value. New-value compensation (Neuwertentschädigung) after total loss or theft applies for 6 months after first registration in Komfort M (extendable to 24 months as an optional Kasko extension), and for 24 months in Komfort L and XL. Purchase-value compensation (Kaufwertentschädigung) applies for 3 months in Komfort M (optional extension to 24 months), and 24 months in Komfort L and XL.
Partial damage / repair cost coverage
Covered
If the car is damaged, repair costs are paid up to the replacement value (Wiederbeschaffungswert); if not repaired, costs are paid up to replacement value minus residual value. No deduction 'new for old' is applied on replaced parts or repainting (with limits for EV/hybrid battery age). Included in all tiers.
Theft and robbery
€1,000
Theft and robbery of the vehicle are covered in all tiers (Komfort M, L, XL), compensated at replacement value up to the vehicle's new price. Lock/key replacement after burglary or robbery of keys is covered up to 1,000 EUR. A percentage deduction applies on theft indemnity unless the car had a recognised immobiliser.
Glass breakage
Covered
Breakage of vehicle glazing (windscreen, side/rear windows, sunroof, mirror glass) including replacement of stickers/toll vignettes is covered in all tiers, inherited from the Teilkasko component of Vollkasko. Bulb replacement cost following glass breakage (Leuchtmittelkosten) is only included in Komfort XL. Stone-chip repair at a partner workshop is exempt from the deductible.
Natural hazards (storm, hail, flood, earthquake, landslide, avalanche, volcanic eruption)
Covered
Direct impact of storm, hail, lightning strike, flood, landslide, subsidence, earthquake, avalanches (mountain and roof avalanches) and volcanic eruption on the car is covered in all tiers as part of the inherited Teilkasko benefits.
Vandalism (malicious acts by unauthorised third parties)
Covered
Malicious or wanton acts by persons who have no right whatsoever to use the vehicle are covered. This is a Vollkasko-specific benefit (not part of Teilkasko), included in all three tiers.
Roadside assistance / breakdown cover (Schutzbrief)
Optional
The Autoschutzbrief (roadside assistance for breakdown/accident, including towing, recovery, rental car and repatriation abroad) is an optional add-on in all three tiers, chargeable separately unless the car qualifies as a Youngtimer, in which case the Schutzbrief is always included.
Rental/replacement vehicle after accident, total loss or theft
€75
Only in Komfort XL
A rental car following an accident, total loss or total theft of the vehicle is covered for up to 14 days at a maximum of 75 EUR per day. This benefit is only available in the Komfort XL tier; Komfort M and L do not include it.
Driver/passenger accident protection (Insassenunfall / Fahrerschutz)
Optional
Insassenunfall (death and disability benefit for occupants) and Fahrerschutz (driver protection providing benefits regardless of fault, covering incapacity to work or reduced earning capacity from an accident) are both optional add-ons available in all three tiers.
Key conditions
Driver age and experience limit
Any driver aged 24–65 may be added free of charge for one week, once per insurance year, after prior notification. A general temporary extension of the driver circle for 4 weeks costs a flat fee of 49.90 EUR. New drivers without a no-claims class are placed in SF 1/2 if they can prove at least 3 years of driving licence possession.
Repair network requirements
Werkstattbindung (partner workshop commitment) is an optional feature in all tiers granting a premium discount if repairs are carried out exclusively at BavariaDirekt's designated TÜV-certified brand/specialist workshops, which include vehicle pick-up, repair and replacement-vehicle services. Free choice of workshop remains possible at the standard (non-discounted) rate; using a non-designated workshop under a Werkstattbindung contract limits compensation to 80% of costs plus a minimum extra deductible of 100 EUR.
Territorial scope
Cover applies within the geographic borders of Europe and the non-European territories of EU member states; expansions or restrictions can be agreed contractually.
Anti-theft requirements
In the event of theft, a percentage deduction from the indemnity applies unless the vehicle was secured with a recognised immobiliser (Wegfahrsperre) at the time of theft, in which case the deduction is waived (the standard deductible still applies).
Claim notification deadline
Any claim event must be reported within one week. Theft of the vehicle or co-insured parts must be reported immediately in text form and signed. Theft, fire or animal-damage claims exceeding 500 EUR must additionally be reported to the police without delay.
Deductible rules
The agreed deductible is deducted per claim event and per insured vehicle. No deductible is charged when a windscreen stone-chip is repaired (rather than replaced) at a partner workshop. Under Werkstattbindung, using a non-designated workshop caps compensation at 80% of costs plus a minimum additional deductible of 100 EUR. For carsharing vehicles, BavariaDirekt assumes the customer's deductible up to 1,500 EUR per claim.
Where to buy
Policy specifics
Rental car coverage abroad (Mallorca policy)
Coverage for damages to rental cars while traveling abroad, included in base Vollkasko as standard
SourceCarsharing insurance coverage (Komfort M and L)
Optional coverage for rental vehicles via carsharing services, with self-deductible assumption up to 1,500 EUR in Vollkasko
SourceNew value compensation (Neuwertentschädigung)
Replacement of new purchase price (instead of residual value) for up to 24 months after first registration (new cars) or purchase (used cars), available in both Vollkasko and Teilkasko
SourceAnimal damage coverage by tariff level
All Vollkasko tariffs cover collision with wild animals. Komfort M and L extend coverage to domesticated animals (dogs, horses, cattle); Tierbiss including consequential damage up to 10,000 EUR in Komfort M/L, up to 20,000 EUR for electric vehicles
SourceGlass breakage coverage
Coverage for glass damage including stone chip to windscreen and other windows, included in all Vollkasko tariffs depending on tariff level
SourcePrice guarantee (Preisgarantie)
Optional guarantee that policy premium remains constant for schadenfrei (no-claims) customers despite improvements in SF-class or changes to conditions, provided no additional premium is charged
SourceWorkshop binding (Werkstattbindung)
Option to use only BavariaDirekt partner workshops (TÜV-certified) for repairs in Vollkasko to obtain reduced tariff rates, with pickup, repair, and replacement vehicle services included
SourceCoverage modification timing restriction
Vollkasko can only be added to or removed from a contract at the next annual renewal date (Hauptfälligkeit), not mid-term. Monatliche Kündigungsfrist zum Ende des Versicherungsjahres (1 Monat + 1 Tag)
SourceDamage discount protection (Rabattschutz)
One loss per year is protected against premium downgrade (Rückstufung) in both liability and Vollkasko under certain conditions; protected claim does not cause downgrade in following year
SourceDriver protection / Accident insurance
Optional passenger/driver protection insurance that can be integrated into Vollkasko coverage providing additional personal injury protection
SourceForeign damage protection (Auslandschadenschutz)
Optional coverage for damage claims abroad; can be integrated as additional service for Vollkasko (particularly Komfort M and L tariffs)
Source