Debeka

Own damage (Vollkasko – accident damage)

Covered

The Vollkasko covers damage to the insured vehicle caused by an accident (a sudden mechanical force acting on the vehicle from outside), as well as all Teilkasko perils. The maximum indemnity is capped at the vehicle's new price (Neupreis). Repair costs are reimbursed up to the replacement value (Wiederbeschaffungswert) with full fachgerechte repair evidence; without repair evidence, costs are reimbursed up to Wiederbeschaffungswert minus Restwert (AKB A.2.3.2, A.2.8.1).

Total loss (Totalschaden, Zerstörung oder Verlust)

Covered

In the event of total loss, destruction or theft, Debeka pays the replacement value (Wiederbeschaffungswert) minus the residual value (Restwert). Under the Comfort Plus tariff, new-vehicle replacement price (Neupreisentschädigung) applies for the first 24 months after initial registration, provided the odometer reading does not exceed 60,000 km at the time of loss. For used vehicles in Comfort Plus, purchase-value indemnity (Kaufwertentschädigung) applies within the first 12 months after acquisition. In the Comfort tariff, Neupreisentschädigung is limited to the first 6 months after first registration. The disposal/salvage costs are reimbursed up to EUR 1,000 (Comfort) or EUR 2,000 (Comfort Plus) if the replacement vehicle is also insured with Debeka (AKB A.2.6, Anhang 5 Ziff. 3, 4, 15).

Partial loss / Teilkasko perils

Covered

The Teilkasko covers damage to or loss of the insured vehicle through: fire and explosion, theft (Entwendung), storm/hail/lightning/flood/avalanche (Windstärke 8+), collision with game animals (Haarwild) and in Comfort Plus also collision with all animals, glass breakage (Glasbruch), short-circuit damage to wiring (Kurzschlussschäden an der Verkabelung), and animal bite (Tierbiss) to cables/hoses/rubber parts without consequential damage. Comfort Plus extends to consequential damage from animal bites up to EUR 10,000 and aggregate short-circuit damage up to EUR 5,000 per claim (AKB A.2.2, Anhang 5).

Theft and robbery (Entwendung, Diebstahl, Raub)

Covered

Covered under Teilkasko: theft, robbery and surrender under duress (räuberische Erpressung). Unauthorized use (unbefugter Gebrauch) is covered if the perpetrator has no entitlement to use the vehicle. Embezzlement (Unterschlagung) is covered only in Comfort Plus (Anhang 5 Ziff. 17). Vehicle damage caused during a theft attempt is also covered. In the event of theft, Debeka pays the Wiederbeschaffungswert after at least one month from claim notification. Under Comfort Plus, a hire-car flat rate of up to EUR 500 is provided upon vehicle theft (Anhang 5 Ziff. 11). Lock replacement costs after burglary or robbery of keys are covered in Comfort Plus (Anhang 5 Ziff. 10) (AKB A.2.2.2, Anhang 5).

Glass damage (Glasbruch)

Covered

Covered under Teilkasko: breakage damage to glazing of the vehicle, including glass and plastic screens (front, rear, roof, side, partition screens), mirror glass, and lamp covers. Glass and plastic components of measuring, assistance, camera and information systems, solar modules, displays and monitors are explicitly excluded from the definition of 'glazing'. Costs for necessary vehicle cleaning, replacement of bulbs, stickers and vignettes are also reimbursed. Windscreen chip repairs by a Debeka partner workshop are paid without excess deduction (AKB A.2.2.5, A.2.13).

Natural perils (Sturm, Hagel, Blitzschlag, Überschwemmung, Lawine; Comfort Plus: extended elementary perils)

Covered

Covered under Teilkasko: direct impact of storm (minimum Beaufort force 8), hail, lightning, flood or avalanche on the vehicle, including objects thrown or propelled by these events. In Comfort Plus, additionally covered: landslide (Erdrutsch), ground subsidence (Erdsenkung), earthquake (Erdbeben) and volcanic eruption (Vulkanausbruch). Snow/roof avalanches are also covered under Comfort Plus (Leistungsübersicht Teilkasko Comfort Plus). Damage caused by the driver's reaction to these events is excluded (AKB A.2.2.3, Anhang 5 Ziff. 8).

Vandalism (mut- oder böswillige Handlungen) – Vollkasko only

Covered

Covered under Vollkasko: malicious or reckless acts (mut- oder böswillige Handlungen) by persons who are not authorised to use the vehicle. Also includes damage caused by malicious or reckless acts from a direct cyberattack targeted at the insured vehicle. Not covered: cyberattack via a server or digital platform of a third party that communicates with the vehicle (AKB A.2.3.3).