Extracted from source documents

CosmosDirekt Casco (own-damage car insurance) (Casco Basis Comfort)

Underwritten by Cosmos Versicherung AG · Germany

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

Verified Aug 27, 2026 · Terms dated 2025-09Sources

Online purchase

Get a quote from CosmosDirekt Compare Casco (own-damage car insurance) insurers in Germany

Key facts

CosmosDirekt

Unique selling points

CosmosDirekt guarantees payment of kasko claims within 7 days once all required documents are received, paying a EUR 50 bonus if the deadline is missed.

Comfort-Schutz waives the deduction of wear ('new-for-old') on repair parts and paintwork and grants a EUR 50 deductible discount per claim-free year, reducible to zero.

A general waiver of the gross-negligence defense means claims are paid in full rather than proportionally, even where the policyholder acted with gross negligence (subject to limited exceptions).

Rabattschutz allows up to three at-fault claims within the protection period without any no-claims-class downgrade.

CosmosDirekt's customers have voted it Germany's most popular direct motor insurer for the 13th year in a row, according to the DISQ customer satisfaction survey.

Coverage limits

Covered

Own-vehicle damage cover (self-caused accident / vandalism)

Covered

No limit stated

Covers damage to the insured vehicle itself caused by a self-inflicted accident or by vandalism; included under Vollkasko (comprehensive casco), paid up to the vehicle's replacement value with no fixed EUR cap.

Clause A.2.3.2Page 9

Section: A.2 Kaskoversicherung > A.2.3 Welche Ereignisse sind in der Vollkaskoversicherung versichert?

Versichert sind Unfälle des Fahrzeugs. Als Unfall gilt ein unmittelbar von außen plötzlich mit mechanischer Gewalt auf das Fahrzeug einwirkendes Ereignis.

Covered

Total loss, destruction or theft settlement

Covered

Pays the replacement value (Wiederbeschaffungswert) minus any residual value in case of total loss, destruction or theft. New-price compensation for new vehicles (instead of replacement value) applies if the loss occurs within 12 months of first registration under Basis-Schutz or within 24 months under Comfort-Schutz (also within 24 months for insured motorcycles); a comparable purchase-value compensation applies to used vehicles within the same respective periods after first registration to the policyholder. Overall indemnity is capped at the vehicle's new price.

Covered

Partial damage / repair cost cover

Covered

Covers the cost of a full and proper repair up to the replacement value of the vehicle (or up to the replacement value minus residual value if not repaired/not fully repaired). For cars and motorcycles no 'new-for-old' wear deduction is made on replacement parts and paintwork; for other vehicle types this deduction is limited to tyres, battery and paintwork during the first 3-4 years after first registration.

Covered

Theft, robbery and unauthorised use

Covered

Covers theft, robbery and the surrender of the vehicle due to robbery-related extortion under Teilkasko (also included in Vollkasko). Embezzlement is covered only if the vehicle was not entrusted to the perpetrator for their own use/sale; unauthorised use is covered only if the perpetrator had no authorisation at all and is not closely related to the person entitled to dispose of the vehicle.

Covered

Glass damage cover

Covered

Covers breakage damage to the vehicle's glazing (front, rear, roof, side and partition panes, mirror glass, light covers) including replacement of environmental stickers and motorway vignettes when the windscreen is replaced; glass/plastic parts of measuring, assistance, camera and information systems, solar modules, displays, monitors and bulbs are not covered. Under Comfort-Schutz (or for insured motorcycles), interior cleaning after a glass-breakage claim is additionally reimbursed up to EUR 60 and damaged bulbs are covered.

Clause A.2.2.5Page 8

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

Versichert sind Bruchschäden an der Verglasung des Fahrzeugs. Als Verglasung gelten Glas- und Kunststoffscheiben (z.B. Front-, Heck-, Dach-, Seiten- und Trennscheiben), Spiegelglas und Abdeckungen von Leuchten. Nicht zur Verglasung gehören Glas- und Kunststoffteile von Mess-, Assistenz-, Kamera- und Informationssystemen, Solarmodulen, Displays, Monitoren sowie Leuchtmittel.

Covered

Natural hazards cover

Covered

Covers direct impact of storm (wind force 8+), hail, lightning, flood, landslide, land subsidence and avalanches under Teilkasko/Vollkasko. Under Comfort-Schutz (or for insured motorcycles), cover is extended to roof avalanches, earthquakes and volcanic eruptions.

Conditional

Vandalism cover

Conditional

Covers malicious or spiteful acts by persons not authorised to use the vehicle (e.g. a scratched car or torn-off mirror). Only included under Vollkasko (comprehensive casco); not covered under Teilkasko (partial casco).

Schäden durch Vandalismus wie z. B. ein verkratztes Auto oder ein abgetretener Spiegel sind durch die Vollkasko versichert.

Optional

Roadside assistance / breakdown cover

Optional

Not part of Kasko itself; available as a separate optional Schutzbrief-Versicherung rider providing round-the-clock breakdown and accident assistance in Germany and abroad (e.g. roadside repair up to EUR 300, towing up to EUR 300, recovery costs).

Conditional

Free replacement vehicle during repair

Conditional

For cars, a free category-A replacement vehicle is provided as part of CosmosDirekt's special accident damage service when the repair is carried out through a CosmosDirekt-organised, DEKRA-certified partner workshop; not available if the policyholder arranges repair independently outside this network.

Section: Zusatzleistungen der Vollkasko im Überblick > Kostenloses Sonderleistungspaket von CosmosDirekt

Kostenloser Ersatzwagenservice: Wir stellen Dir für die Dauer der Reparatur kostenlos einen Ersatzwagen (Gruppe A) zur Verfügung. So bleibst Du mobil ohne Zeit- und Kostenaufwand.

Optional

Driver/occupant accident cover

Optional

Not part of Kasko itself; available as a separate optional Fahrerschutz-Versicherung (a motor accident insurance) compensating personal injury of the driver or occupants in a self-caused accident, based on actual loss (e.g. loss of earnings, survivor pension, pain and suffering) up to the personal-injury sum insured agreed in the motor liability policy.

Key conditions

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.

Anti-theft requirements

No specific anti-theft device (e.g. immobiliser, steering lock) is required 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.

Direct payment

For repairs carried out at a CosmosDirekt-organised, DEKRA-certified workshop under the workshop-binding option, CosmosDirekt settles directly with the workshop (minus any deductible owed by the policyholder). If the policyholder arranges the repair independently outside the organised network, only 85% of the otherwise payable repair costs are reimbursed.

Territorial scope

Coverage applies within Europe and EU territories outside Europe; in Russia and Turkey only the European part of each country is covered.

Documents

General terms and conditions for motor insurance (AKB) VWK 844, valid from September 2025 (latest version) (opens in a new tab)

Terms & conditions · PDF

General terms and conditions for motor insurance (AKB) VWK 844 - September 2025 (opens in a new tab)

Terms & conditions · PDF

Collection of motor insurance terms VWK 844, valid from February 2025 (superseded) (opens in a new tab)

Terms & conditions · PDF

Insurance Product Information Document (IPID) for motor insurance (opens in a new tab)

Product information sheet · PDF

Customer information for motor insurance (KIB) (opens in a new tab)

Policy specifics

Short-circuit consequential damage to connected units

For cars and motorcycles, consequential damage from an insured short-circuit to connected units (e.g. alternator, battery, starter) is covered up to EUR 10,000, under both Basis-Schutz and Comfort-Schutz (Teilkasko).

SourceClause A.2.2.6Page 8

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

Bei Pkw und Motorrädern sind Folgeschäden aus versicherten Kurzschlussschäden an angeschlossenen Aggregaten (z. B. Lichtmaschine, Batterie, Anlasser) bis zu einer Höhe von 10.000 Euro mitversichert.

Exclusion of wear and gradual damage

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

Source

Motorsport activity exclusion

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

Source

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

SourceSource no longer reachable

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

Source

Section: Wichtige Fragen und Antworten > Welchen Service bietet Dir CosmosDirekt im Schadenfall? > Zufriedenheit mit Garantie

Wir zahlen innerhalb von 7 Tagen Deinen ersatzpflichtigen Schaden. Sollte es länger dauern, erhältst Du 50 Euro extra.

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

Source

Im Comfort-Schutz bekommst Du für jedes schadenfreie Jahr in der Voll- und Teilkasko eine Gutschrift von 50 Euro auf Deine Selbstbeteiligung – maximal bis zur vereinbarten Selbstbeteiligung.

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

Source

Section: Zusatzleistungen der Vollkasko im Überblick > Kostenloses Sonderleistungspaket von CosmosDirekt

Organisation einer Fachwerkstatt: Eine qualifizierte/zertifizierte und von der DEKRA geprüfte Kfz-Fachwerkstatt kontaktiert Dich und repariert Dein Fahrzeug schnellstmöglich. ... Kostenloser Ersatzwagenservice: Wir stellen Dir für die Dauer der Reparatur kostenlos einen Ersatzwagen (Gruppe A) zur Verfügung.

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

SourcePage 2

Denn bei grober Fahrlässigkeit werden Kasko-Schäden für gewöhnlich nicht komplett, sondern nur anteilig reguliert – gemäß der Schwere des Verschuldens. Wenn der Anbieter aber auf solch eine Prüfung verzichtet, ersetzt er den entstandenen Schaden in voller Höhe.

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

Source

Section: Wichtige Fragen und Antworten > Welchen Service bietet Dir CosmosDirekt im Schadenfall? > Kostenloses Sonderleistungspaket (ohne Baustein Werkstattbindung /Basis light)

Organisation einer Fachwerkstatt: Eine qualifizierte/zertifizierte und von der DEKRA geprüfte Fachwerkstatt kontaktiert Dich. ... Die Abrechnung erfolgt direkt mit uns.

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

Source

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

Source

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

SourceSource no longer reachable