Extracted from source documents

BavariaDirekt Casco (own-damage car insurance) (Vollkasko)

Underwritten by BavariaDirekt Versicherung AG · Germany

casco (own-damage car insurance) from BavariaDirekt for the Germany market, with online purchase.

Verified Aug 28, 2026 · Terms dated 2024-09Sources

Online purchase

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

Covered

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.

Clause A.2.5.6Page 9

Section: A.2 Kaskoversicherung > A.2.5 Was zahlen wir im Schadenfall? > A.2.5.6 Bis zu welcher Höhe leisten wir (Höchstentschädigung)?

Unsere Höchstentschädigung ist beschränkt auf den Neupreis des Pkw nach A.2.5.1.7.

Conditional

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.

Page 2

Section: Teil- und/oder Vollkaskoversicherung

Neuwertentschädigung bei Totalschaden oder Diebstahl 6 Monate optional 24 Monate im Rahmen der Leistungserweiterung Kasko 24 Monate 24 Monate

Covered

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.

Clause A.2.5.2.1Page 8

Section: A.2 Kaskoversicherung > A.2.5 Was zahlen wir im Schadenfall? > A.2.5.2 Was zahlen wir bei Beschädigung?

Wird der Pkw beschädigt, zahlen wir die für die Reparatur erforderlichen Kosten bis zu folgenden Obergrenzen

Covered

Theft and robbery

€1K

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.

Page 1

Section: Teilkasko

Austausch von Schlössern nach Einbruchdiebstahl / Raub d. Schlüssel bis 1.000€ bis 1.000€ bis 1.000€

Covered

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.

Section: Fragen und Antworten zur Vollkasko > Zahlt die Vollkaskoversicherung bei Steinschlag?

Ja, Glasbruch ist in der Vollasko der BavariaDirekt gedeckt. Schäden durch Steinschlag sind Bestandteil der Teilkasko - und damit immer auch der Vollkaskoversicherung.

Covered

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.

Page 1

Section: Teilkasko

Erdrutsch, Erdsenkung und Erdbeben, Lawinen von Berghängen und Dachlawinen, Vulkanausbruch

Covered

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.

Clause A.2.2.2.3Page 7

Section: A.2 Kaskoversicherung > A.2.2 Welche Ereignisse sind versichert? > A.2.2.2 Welche Ereignisse sind in der Vollkasko versichert?

Versichert sind mut- oder böswillige Handlungen von Personen, die in keiner Weise berechtigt sind, den Pkw zu gebrauchen.

Optional

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.

Page 2

Section: Zusatzleistungen Allgemein

Schutzbrief (Hilfe bei Panne oder Unfall) optional optional optional

Conditional

Rental/replacement vehicle after accident, total loss or theft

€75

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.

Page 1

Section: Vollkasko

Mietwagen aufgrund eines Unfalls, Totalschaden oder Totalentwendung bis zu 14 Tage und max. 75€ pro Tag

Optional

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.

Page 2

Section: Zusatzleistungen Allgemein

Insassenunfall (Todesfall - und Invaliditätsleistung) optional optional optional

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.

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.

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.

Territorial scope

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.

Documents

BavariaDirekt Kfz Benefits Overview (as of 09/2024) (opens in a new tab)

Table of benefits · PDF

General Terms and Conditions for Motor Insurance (AKB), as of 09/2015 — superseded by AKB 09/2024 (opens in a new tab)

Terms & conditions · PDF

Policy specifics

Rental car coverage abroad (Mallorca policy)

The Mallorca-Police is a liability extension, not a Vollkasko benefit: it extends the policyholder's third-party liability cover to accidents caused while driving a temporarily rented, compulsorily-insured car on a trip in Europe, for trips of up to 6 months.

SourcePage 1

Section: Haftpflicht

Mietwagenschutz im europäischen Ausland (Mallorca Police) bis 6 Monate

Carsharing 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

Source

Section: Mehr Details einblenden

Carsharing-Versicherungsschutz (Vollkasko)

New 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

Source

Section: Kfz-Versicherung > Kasko-Leistungserweiterung (Kfz-Versicherung)

Wir erstatten Ihnen bei einem Totalschaden, Zerstörung oder Verlust/Diebstahl Ihres Autos den vollen Neuwert/Neupreis innerhalb der ersten 24 Monate (statt normalerweise 6 Monate) nach der Erstzulassung des Pkw bzw. den Kaufwert Ihres Gebrauchtwagens innerhalb der ersten 24 Monate (statt normalerweise 3 Monate) nach erstmaliger Zulassung auf Sie.

Animal damage coverage by tariff level

Collisions with animals of every kind (wild and domesticated) are covered in all tiers (Komfort M, L, XL); consequential damage from animal bites is covered up to 10,000 EUR (20,000 EUR for electric vehicles) depending on tier.

SourcePage 1

Section: Teilkasko

Unfälle mit Tieren Tiere jeder Art Tiere jeder Art Tiere jeder Art

Glass breakage coverage

Coverage for glass damage including stone chip to windscreen and other windows, included in all Vollkasko tariffs depending on tariff level

Source

Section: Fragen und Antworten zur Vollkasko > Zahlt die Vollkaskoversicherung bei Steinschlag?

Ja, Glasbruch ist in der Vollasko der BavariaDirekt gedeckt. Schäden durch Steinschlag sind Bestandteil der Teilkasko - und damit immer auch der Vollkaskoversicherung.

Price 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

SourcePage 3

Section: Hinweise zur Preisgarantie

Wir garantieren: Solange ein Vertrag mit Preisgarantie bei uns schadenfrei besteht, zahlt ein Kunde immer den gleichen Preis.

Workshop 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

Source

Section: Vollkaskoversicherung – sparen durch Selbstbeteiligung und Schadenfreiheitsrabatt

der Werkstattbindung die Kosten der Vollkasko reduzieren

Coverage modification timing restriction

Vollkasko can only be added to or removed from a contract at the next annual renewal date (Hauptfälligkeit), not mid-term; the notice period is one month to the end of the insurance year.

Source

Section: Kfz-Versicherung > Vollkasko anpassen (Kfz-Versicherung)

Bitte beachten Sie, dass sowohl der Ein- als auch der Ausschluss der Kaskoversicherung nur zur nächsten Hauptfälligkeit (jährlich wiederkehrender Termin, zu dem das Versicherungsjahr beginnt/endet), möglich ist.

Damage 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

SourcePage 3

Section: Weitere Hinweise zur KFZ-Versicherung > Rabattschutz in Haftpflicht und Kasko

Pro Kalenderjahr ist jeweils ein Schaden für Haftpflicht und / oder Kasko frei.

Driver protection / Accident insurance

Optional passenger/driver protection insurance that can be integrated into Vollkasko coverage providing additional personal injury protection

Source

Section: Vollkaskoversicherung – die Leistungen der BavariaDirekt

Zudem lässt sich eine Fahrerschutzversicherung, ein Auslandsschaden- und ein Carsharing-Versicherungsschutz integrieren.

Foreign damage protection (Auslandschadenschutz)

Optional coverage for damage claims abroad; can be integrated as additional service for Vollkasko (particularly Komfort M and L tariffs)

Source

Section: Vollkaskoversicherung – die Leistungen der BavariaDirekt

Zudem lässt sich eine Fahrerschutzversicherung, ein Auslandsschaden- und ein Carsharing-Versicherungsschutz integrieren.

Sources

BavariaDirekt Casco (own-damage car insurance)

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