Concordia Casco (own-damage car insurance) (Pkw Kasko)

No 'new for old' deduction on repairs in Premium (in Classic only when repaired at a Concordia partner workshop); EV/hybrid drive batteries are depreciated 10% per full operating year, or deduction-free for the first three years with the optional oecodrive module.

Waiver of the gross-negligence objection in comprehensive cover across all tariffs.

New-price compensation for up to 36 months after first registration, plus purchase-price compensation for used cars up to 9 years old (Premium/Premium Partner).

Optional oecodrive package for EVs/hybrids: all-risk cover for the drive battery, up to €20,000 for animal-bite/short-circuit consequential damage, and co-insurance of the customer's own charging station up to €3,000.

Driver age and experience limit

The vehicle may only be driven by the drivers named in the policy (Anhang 6, No. 1.2); occasional driving by the policyholder's own child is permitted under specific conditions. Driver/policyholder age is used as a premium rating factor, and preferential no-claims entry rules (e.g. the 'verbesserte Zweitwagenregelung') require the policyholder and all drivers to be at least 23 years old. No absolute minimum driving experience is stated for basic cover.

Repair network requirements

Classic includes mandatory use of Concordia's partner workshop network for casco repairs; 'Premium Partner' is the Premium tariff with mandatory partner-workshop use added; standard Premium allows free workshop choice. Repairing elsewhere without prior contact with Concordia reduces the payout to 85% of the otherwise calculated benefit; if the vehicle is not repaired at all, compensation is calculated as if it had been repaired at the nearest partner workshop (net of VAT). These partner-workshop rules apply only to damage events in Germany. Concordia grants a 6-year warranty on repairs carried out in its selected partner workshop. Classic and Premium Partner cannot be selected for electric passenger cars with a drive battery.

Anti-theft requirements

No specific anti-theft device (e.g. an immobiliser) is required for casco cover (A.2.5.1.5 is marked 'entfällt' / not applicable). However, the waiver of the gross-negligence objection does not apply if the policyholder grossly negligently enables the theft of the vehicle or its parts, and the vehicle must be kept in a lock-up garage or an enclosed parking area during a (chargeable) Ruheversicherung while de-registered.

Claim notification deadline

Any claim event must be reported within one week (E.1.1.1). Theft, fire, or animal-damage claims exceeding €1,000 must additionally be reported to the police immediately (E.1.3.2). Property claims up to €1,000 may be settled privately and reported later, by the end of the calendar year (E.1.1.3/E.1.1.4). In the event of theft, compensation is paid no earlier than one month after the claim notification (A.2.5.8.1/A.2.7.3).

Deductible rules

An agreed deductible is deducted from compensation for each claim event (A.2.5.11.1). The deductible is waived for the professional repair of a glass-breakage claim without replacement, carried out by a firm commissioned by Concordia, in all tariffs (A.2.5.11.2). Under the optional VK-Plus add-on, no deductible or no-claims downgrade applies to misfuelling or key-loss claims. In partner-workshop tariffs, the deductible is paid by the customer directly to the workshop after the repair.

Direct payment

In the partner-workshop tariffs (Classic and Premium Partner), Concordia alone commissions the repair and directly bears the cost of the repair at its selected workshop; the customer only pays an agreed deductible to the workshop after the repair is completed.