Debeka Krankenversicherungsverein a. G. / Debeka Versicherungsgruppe

Driver age and experience limit

No general minimum age applies to casco cover itself, but premium calculation depends on the age of the policyholder and youngest driver, and special no-claims-class entry (SF-Klasse 2 or 4) requires all drivers of the vehicle to be at least 23 years old.

Repair network requirements

With optional Werkstattbindung, repairs must be carried out at a Debeka-selected, DEKRA-certified partner workshop (over 1,400 nationwide) for full-cost settlement; using another workshop reduces reimbursement to 85% of eligible repair costs.

Territorial scope

Casco cover applies within the geographical borders of Europe and the non-European territories belonging to the EU. Unlike the Kfz-Haftpflicht, casco cover is not extended by the Green Card to further non-European countries.

Anti-theft requirements

The conditions do not prescribe a specific anti-theft device; the general duty to avert or minimise loss applies, along with the duty to report a theft to the police without delay if the loss exceeds 1,000 EUR.

Claim notification deadline

Any loss event must generally be reported within one week; vehicle theft must be reported immediately in text form, and theft, fire or animal-collision damage exceeding 1,000 EUR must be reported to the police without delay.

Deductible rules

The deductible agreed in the policy schedule is deducted from every claim payment. According to Debeka's product page, Teilkasko is available with 0 EUR or 150 EUR deductible, while Vollkasko offers a choice of 150, 300, 500 or 1,000 EUR; windscreen chip repairs by a partner workshop are settled without any deductible.

Comprehensive Kasko (Vollkasko)

Covers all damages to the insured vehicle including self-inflicted accidents and vandalism, in addition to all partial kasko coverage

Partial Kasko (Teilkasko)

Covers damages from external events such as theft, fire, storm, hail, glass breakage, and collision with animals. Does not cover self-inflicted damages

Animal Collision Coverage

Coverage for collisions with wild animals included in partial kasko (standard and top packages)

Short Circuit Coverage

Coverage for damage caused by short circuits in vehicle electrical systems, included in selected partial kasko packages

GAP Insurance (Guaranteed Asset Protection)

Covers the difference between loan/lease balance and vehicle actual cash value in case of total loss or theft for financed or leased vehicles

E-Mobility Package

Optional package for electric vehicles, terminates when partial kasko insurance ends

Repair Workshop Binding

Optional service where repairs must be conducted at authorized Debeka partner workshops (DEKRA-certified network). Can reduce insurance premium

Damage-Free Discount Protection (Rabattschutz)

Protection against premium increases after a self-inflicted accident; insured retains current no-claims discount class in the following year

New Price Compensation

For newly purchased vehicles, compensation may be at new purchase price rather than depreciated value in case of total loss or theft, under certain conditions

Deductible Options - Partial Kasko

For partial kasko, standard deductible is 150 EUR; may vary by package or be waivable under certain conditions

Deductible Options - Comprehensive Kasko

For comprehensive kasko, choice of deductible: 150 EUR, 300 EUR, or 500 EUR per claim

Coverage Geographical Scope

Coverage exists in geographical boundaries of Europe and non-European territories within EU jurisdiction; extended coverage possible with international motor insurance card (Grüne Karte)

Motorsport Events Exclusion

Damages arising from participation in certain motorsport events, activities, or races are excluded from coverage

Intentional Damage Exclusion

Intentionally caused damages are excluded from coverage