Continentale Casco (own-damage car insurance) (Kfz Kasko)

The Vollkasko covers all Teilkasko perils (fire, theft, glass breakage, storm damage, animal collision and animal bite, among others) plus damage to the insured vehicle caused by a self-inflicted accident or vandalism; the Teilkasko alone covers only damage from external events. Compensation is not a fixed sum but based on repair cost or replacement value, capped at the vehicle's new price.

In case of total loss, destruction or loss of the vehicle, compensation is generally the replacement value less any residual value; for newly purchased/first-registered vehicles, new-car-price compensation applies instead within a set period after first registration (in the Komfort tariff up to 36 months; shorter in the Basis tariff). The overall maximum compensation is capped at the vehicle's new price.

Repair costs for damage falling under Teilkasko or Vollkasko perils are reimbursed up to the replacement value of the vehicle; towing costs to the nearest suitable workshop are included and offset against this limit.

Theft, robbery and, under conditions, embezzlement/unauthorised use of the vehicle are covered under Teilkasko. Compensation for theft-related total loss may be reduced if the vehicle was not fitted with a self-arming electronic immobiliser at the time of theft.

Breakage damage to the vehicle's glazing is covered under Teilkasko (for Pkw, also including interior cleaning costs and damaged lighting, except under the Basis-Tarif). The deductible is waived when a windscreen is repaired (not replaced) at a certified partner workshop after prior telephone notification; via glass partners a further guaranteed €75 deductible reduction applies for windscreen replacement.

Damage from natural forces such as storm, hail, lightning strike, flood, (roof) avalanches, landslide, subsidence, earthquake and volcanic eruption is covered, plus short-circuit damage including follow-on damage up to €10,000. Avalanche cover is excluded under the Basis-Tarif.

Damage from malicious or wanton acts by unauthorised third parties (vandalism) is covered only under the Vollkasko, in addition to the perils already covered under Teilkasko.

Roadside and breakdown assistance is provided via the separately contracted Autoschutzbrief (a legally independent add-on policy sold alongside the Kfz-Haftpflichtversicherung), covering breakdown recovery, towing, rental car, overnight stays and repatriation, not as part of the Kasko cover itself.

For Kasko claims (not on Spar-Kasko tariffs) handled through the free Premium-Service, Continentale provides a replacement car at no extra cost while the vehicle is repaired at a DEKRA-certified partner workshop. Separately, a rental car can also be obtained under the optional Autoschutzbrief for breakdown/accident situations.