DBV Deutsche Beamtenversicherung (branches of AXA Versicherung AG, AXA Lebensversicherung AG and AXA Krankenversicherung AG)

Casco covers damage, destruction, total loss or loss of the insured vehicle caused by the perils insured under Teilkasko (partial casco) or Vollkasko (comprehensive casco). The maximum indemnity is capped at the vehicle's new price (Neupreis) rather than a fixed sum, and is reduced by any agreed deductible and residual value.

On total loss, destruction or loss, DBV pays the replacement value (Wiederbeschaffungswert) less any residual value. New-price compensation applies within 12 months of first registration for passenger cars (6 months for other vehicle types) if there is total loss/destruction/loss or repair costs reach at least 80% of the new price and the insured is the original buyer. For used cars, purchase-value compensation applies for total loss within the first 12 months after first registration. GAP cover tops up the difference to the outstanding leasing balance for leased passenger cars/vans up to 3.5t with Vollkasko.

If the vehicle is damaged, DBV pays the necessary repair costs up to the replacement value; towing and recovery to the nearest suitable workshop is included within the same ceiling. A deduction for age/wear (new-for-old) applies to replaced parts and repainting, limited to tyres if the loss occurs within the first three or four years after first registration (depending on vehicle type). No deductible is charged if a cracked windscreen is repaired rather than replaced.

Teilkasko covers theft, robbery and surrender of the vehicle due to extortion. Embezzlement is only covered if the offender was not given the vehicle for use, sale or under reservation of title; unauthorised use is only covered if the offender had absolutely no entitlement to use the vehicle. Coverage of key theft/loss differs by tariff: mobil kompakt excludes cover for stolen keys, while mobil komfort covers lock/ignition replacement costs if keys are stolen through robbery or burglary.

Teilkasko covers breakage of the vehicle's glazing (windscreen, rear/roof/side/partition glass, mirror glass, light covers); consequential damage is excluded. On windscreen replacement, DBV reimburses proven costs for a new environmental sticker up to EUR 10. No deductible is charged if the windscreen is repaired rather than replaced (A.2.5.8.3).

Teilkasko covers direct impact of storm (wind force 8 or above), hail, lightning, flooding, avalanches, roof avalanches and mudslides on the vehicle, including objects thrown onto/against the vehicle by these forces; damage resulting from driver behaviour caused by these events is excluded.

Malicious or spiteful damage caused by persons with absolutely no entitlement to use the vehicle is covered only under Vollkasko (comprehensive casco, A.2.2.2.3); this peril is not included if only Teilkasko (partial casco) is held.

Roadside assistance (breakdown recovery, towing, key/fuel mishap help) is provided by the Schutzbrief, which becomes part of the casco contract only if the optional Mobilitätsgarantie module is added (A.2.2.4); it is not automatically part of base Teilkasko or Vollkasko.

Under the optional Mobilitätsgarantie module, if repair or restoring roadworthiness takes longer than four hours, DBV arranges a replacement vehicle (group A) for up to 14 days (for repair, or for replacement procurement after theft/total loss/destruction); abroad, costs for the trip home are covered up to EUR 525. If no replacement vehicle can be provided, a EUR 25 per day compensation applies instead.

Accident cover for the driver is not part of casco itself but is available as a separate, paid add-on to the Kfz-Haftpflichtversicherung: the Fahrerschutzversicherung (A.5) pays as if a third party were liable, e.g. pain and suffering compensation up to EUR 100,000, loss of earnings up to EUR 2,000/month, maintenance claims up to EUR 1,500/month, household help up to EUR 500/month, disability-adapted conversions up to EUR 100,000, and other increased needs up to EUR 1,000/month, subject to a minimum 3-day hospital stay within six months of the accident. A separate Kfz-Unfallversicherung (A.4) with agreed sums insured is also available.