Continentale Krankenversicherung a.G. (Continentale Insurance Group)
Continentale
Continentale is a motor casco insurance for the Germany market with no online purchase and 24/7 assistance.
Direct payment
Through the optional Premium-Service, Continentale arranges vehicle collection, steers repairs to a DEKRA-certified partner workshop using original parts, and settles the repair invoice directly with the workshop at no extra cost to the customer, including a free replacement car during repair.
Geographic scope
Europe and the non-European territories of the European Union
Cover applies within the geographical borders of Europe and non-European EU territories; certain service extras (Sorglos-Kasko additional benefits, free Premium-Service replacement car) apply only within Germany.
Unique selling points
- Free Premium-Service arranges vehicle collection and repair with original parts at a DEKRA-certified partner workshop, including a complimentary replacement car, at no extra cost.
- Rabattschutz keeps the policyholder's no-claims class stable after a first claim, avoiding a premium increase in the following year.
- Special all-risk cover for EV/hybrid batteries, lightning overvoltage damage and charging equipment (wallbox, mobile charger), with no wear-and-tear deduction on battery replacement in the first two years.
- New-car-price compensation for total loss within 24 months of first registration, going beyond the standard replacement-value payout.
- A dedicated personal contact plus a round-the-clock claims and breakdown hotline for every policyholder.
Coverage limits
Own vehicle damage cover (Kasko)
Covered
Only in Teilkasko, Vollkasko, Basis-Tarif, Komfort-Tarif
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.
Total loss / destruction / loss compensation
Covered
Only in Teilkasko, Vollkasko, Basis-Tarif, Komfort-Tarif
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 (marketing materials cite up to 24 months for the Komfort tariff). The overall maximum compensation is capped at the vehicle's new price.
Partial damage / repair cost cover
Covered
Only in Teilkasko, Vollkasko
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 and robbery cover
Covered
Only in Teilkasko, Vollkasko
Theft, robbery and, under conditions, embezzlement/unauthorised use of the vehicle are covered under Teilkasko. Compensation for theft-related total loss may be reduced (historically by 10%) if the vehicle was not fitted with a self-arming electronic immobiliser at the time of theft.
Glass breakage cover
Covered
Only in Teilkasko, Vollkasko, Komfort-Tarif
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.
Natural hazards cover
Covered
Only in Teilkasko, Vollkasko, Komfort-Tarif
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.
Vandalism / malicious acts cover
Covered
Only in Vollkasko
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 assistance / breakdown cover (Autoschutzbrief)
Optional
Only in Autoschutzbrief
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.
Replacement vehicle during repair
Covered
Only in Vollkasko, Teilkasko
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.
Driver/occupant accident cover (Kfz-Unfallversicherung)
Optional
Only in Kfz-Unfallversicherung
Cover for injury or death of the driver/occupants is provided only through the separately contracted, legally independent Kfz-Unfallversicherung, not as part of the Kasko policy itself. If self-caused, the driver otherwise bears their own injury costs.
Key conditions
Driver age and experience limit
No general minimum age applies to Kasko cover itself; however, the optional Rabattschutz (bonus-class protection) and certain no-claims sonderregelungen (e.g. Zweitwagen-Plus) require all drivers to be at least 24 years old, and separate rules apply for 'Begleitetes Fahren mit 17'.
Repair network requirements
Compensation up to the replacement value is paid regardless of which workshop is chosen; the free Premium-Service benefits (collection, replacement car, original parts, extended warranty) and the glass-damage deductible waiver only apply when repairs are carried out at a Continentale/DEKRA-certified partner workshop.
Territorial scope
Cover applies within the geographical borders of Europe and non-European EU territories; certain extras (Sorglos-Kasko benefits, free Premium-Service replacement car) apply only within Germany.
Anti-theft requirements
Compensation for a theft-related total loss may be reduced if the vehicle was not equipped with a self-arming electronic immobiliser at the time of the theft.
Claim notification deadline
Claims generally must be reported within one week; theft of the vehicle must be reported to Continentale in writing without delay, and theft, fire or animal-collision damage exceeding €500 must be reported to the police immediately.
Deductible rules
The agreed deductible per claim is stated in the policy schedule; it is waived for windscreen damage repaired (not replaced) at a partner workshop after prior telephone notification, and a deductible of at least €300 is required to qualify for Rabattschutz on Vollkasko cover.
Where to buy
Policy specifics
New car price compensation
For newly purchased or first-registered vehicles within 24 months, compensation is paid at new car price (Neupreis) rather than replacement value in case of total loss
SourceGlass damage coverage with deductible reduction
Cooperation with glass replacement partners (Wintec Autoglas, Junited Autoglas, Carglass) provides guaranteed reduction of deductible by 75 EUR for windshield replacement
SourceWorry-free comprehensive (Sorglos-Kasko)
Special comprehensive insurance option where Continentale directly handles repair arrangement at certified workshops without requiring policyholder to arrange repairs
SourcePremium service for comprehensive damage
For comprehensive insurance claims (not available with Spar-Kasko tariff), vehicle pickup, repair at DEKRA-certified partner workshop with original parts, and free rental car during repair
SourceElectric vehicle battery coverage
For electric and hybrid vehicles in full comprehensive (Vollkasko), all-risk battery coverage, overvoltage damage from lightning, and charging equipment (wallbox, mobile charger, charging cable) are insured
SourceBasis vs. Komfort tariff tiers
Not established from the insurer's documents
Continentale's Kasko for passenger cars is sold in two tiers: Komfort-Tarif (full scope, e.g. longer new-price-compensation window, animal-bite cover, avalanche cover, key/lock replacement, all-species animal collision) and Basis-Tarif (reduced scope: shorter new-price window, no animal-bite or avalanche cover, no key/lock replacement, animal collision limited to Haarwild/game species, no waiver of gross-negligence reduction).
SourceThird-party source, not the insurer's documentSource no longer reachableClaims payment timeframe
Regular comprehensive (Kasko) and liability claims are paid within five business days (Arbeitstage) when properly regulated
SourceNo-claim class protection (Rabattschutz)
Optional protection where policyholder's no-claim rating is preserved even after a claim; policyholder does not move down to a lower discount class (Schadensfreiheitsklasse) after claiming
SourceCertified partner workshop repair
Comprehensive claims can be directed to DEKRA-certified partner workshops nationwide; repair uses original parts; policyholder receives free rental car during repair period
Source