CosmosDirekt (Cosmos Lebensversicherungs-AG and Cosmos Versicherung AG)

Driver age and experience limit

There is no strict minimum-age exclusion for Kasko cover, but the premium is tiered by driver class depending on whether only the policyholder/spouse drive, or other drivers under 20 or under 23 years old also use the vehicle; the driver must hold the legally required licence for the vehicle at the time of the loss.

Repair network requirements

If workshop-binding (Werkstattbindung) is agreed, CosmosDirekt organises the repair workshop and settles directly; if the policyholder has repairs carried out in another workshop without prior contact, or is otherwise responsible for not using the organised workshop, only 85% of the assessed repair costs (excluding transport costs) are reimbursed.

Territorial scope

Cover applies within the geographical borders of Europe and non-European territories belonging to the EU; in Russia and Turkey only within the respective European part.

Anti-theft requirements

The reviewed terms do not specify mandatory anti-theft devices (e.g. immobiliser, steering lock) as a condition for theft cover; general duty-of-care obligations apply (e.g. not leaving the vehicle unsecured), and benefits may be reduced for grossly negligent facilitation of theft.

Claim notification deadline

Any loss event must generally be reported within one week; theft or loss of insured parts must be reported without delay in text form with a signed claim notification; theft, fire or animal-collision losses exceeding EUR 1,000 must additionally be reported to the police without delay.

Deductible rules

An agreed deductible is deducted from the indemnity for every claim event; it is waived for windscreen-repair (not replacement) claims outside the driver's field of view; for self-inflicted own-damage claims a EUR 500 deductible applies per event; under Comfort-Schutz the agreed deductible for Voll-/Teilkasko is reduced by EUR 50 for every claim-free calendar year, down to a minimum of EUR 0.

Battery and electric vehicle coverage

In Comfort protection for motorcycles and certain configurations, coverage for battery, starter and related components up to EUR 10,000

Exclusion of wear and gradual damage

Damages through gradual influence and aging processes are excluded, such as rust, corrosion and wear

Motorsport activity exclusion

No insurance coverage for any driving on motorsport racetracks, including non-speed events like regularity drives and track days

Comfort protection: Repair cost reimbursement without deduction

In Comfort protection, replacement parts and paint are reimbursed without deduction for 'new for old' (Neuwertentschädigung), independent of wear

Seven-day claims processing guarantee

CosmosDirekt guarantees kasko claims settlement within 7 days once all required documentation is received; EUR 50 bonus if deadline is missed

Premium-free deductible reduction for damage-free years

In Comfort protection, the deductible is reduced by EUR 50 per damage-free calendar year in full and partial kasko, up to the agreed deductible maximum

Free accident damage service with certified workshop network

Special accident damage service package for kasko claims includes organization of DEKRA-certified workshop, direct billing settlement, and free replacement vehicle (category A) during repairs

Waiver of gross negligence defense

CosmosDirekt waives the gross negligence defense in kasko claims, meaning full compensation is provided even if policyholder was grossly negligent, rather than proportional compensation

Direct settlement via certified workshop network

For kasko claims using the accident damage service, CosmosDirekt settles directly with the DEKRA-certified repair workshop rather than reimbursing the policyholder

Comfort protection SF class requirement

Comfort protection for kasko can only be concluded if the insurance contract in motor liability and comprehensive coverage has a damage-free class (SF) of at least 4

New/purchase price replacement for vehicles up to 24 months old

In Comfort protection, new or purchase price is reimbursed for comprehensive and partial kasko claims on vehicles up to 24 months old from registration

Own damage coverage with EUR 500 deductible

Own damages (e.g., hitting own garage door) are covered in kasko with a EUR 500 deductible, paid after deducting the agreed excess

External repair reimbursement at 85%

If policyholder arranges repair outside CosmosDirekt network, reimbursement is 85% of costs (reduced by agreed deductible)