Reviewed from source documents

DEVK Deutsche Eisenbahn Versicherung Sach- und HUK-Versicherungsverein a.G. (DEVK Insurance Group)

DEVK

DEVK is a motor casco insurance for the Germany market with online purchase and 24/7 assistance.

Last verified Aug 27, 2026Reviewed by: Boleron EUTerms & conditions: 2025-10-01Underwritten by: DEVK

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Direct payment

Under the optional 'Kasko-Mobil' workshop tie-in, DEVK settles repair costs directly with its partner workshops rather than reimbursing the policyholder; using a non-partner workshop when Kasko-Mobil is agreed reduces the payout by the deductible plus 15% of the calculated repair cost (minimum €300) (A.3.4.1).

Geographic scope

Europe and the non-European territories belonging to the European Union

Cover applies within the geographical borders of Europe and the non-European territories that form part of the European Union (A.3.18).

Unique selling points

€1,500 sustainability bonus (Nachhaltigkeitsprämie) paid on top of the normal settlement when a total-loss combustion vehicle is replaced with a fully electric car insured with DEVK (A.3.6.5).
All-risk cover for the EV/hybrid battery, including operator-error damage, up to €20,000 in Komfort and unlimited in Premium (A.3.3.6) — broader than the exclusions typical minimum motor policies apply to batteries.
Battery extinguishing and disposal costs each covered up to €10,000 under Premium (A.3.5.2, A.3.5.3), addressing EV-fire risks many standard casco policies leave uncapped or excluded.
No deductible on glass repairs carried out by a DEVK Autoglaspartner, in every tier including the entry-level Basis-Schutz (A.3.2.6).
New-price compensation (Neupreisentschädigung) extended to 36 months from first registration under Premium, twice the 18-month window offered under Komfort (A.3.7.3).

Coverage limits

Own damage cover (accident/collision, regardless of fault)

Covered

Vollkasko covers damage to the insured vehicle caused by an accident (a sudden, externally-caused event acting on the vehicle with mechanical force), including self-caused collisions. Included in Basis, Komfort and Premium; Komfort/Premium additionally cover tow/trailer shunting damage and tyre-burst follow-on costs, which Basis excludes (A.3.3.2).

Total loss, destruction or theft settlement

Covered

On total loss, destruction or loss of the vehicle, DEVK pays the Wiederbeschaffungswert (replacement value) less any residual value. New-price compensation (Neupreisentschädigung) instead of time value applies within 18 months of first registration under Komfort and 36 months under Premium; Basis has no new-price compensation (A.3.7.1, A.3.7.3).

Partial damage / repair cost cover

Covered

Repair costs are reimbursed up to the vehicle's Wiederbeschaffungswert (replacement value) against invoice; without an invoice, costs are calculated using regional average labour rates. New-price compensation on repair applies if repair costs reach or exceed 80% of the new price (A.3.9, A.3.9.3).

Theft, robbery and unauthorised use

Covered

Covers theft, robbery, extortion-induced surrender of the vehicle and, under conditions, misappropriation and unauthorised use, as part of Teilkasko, included in Basis, Komfort and Premium (A.3.2.2). A police report is required without delay if the loss exceeds €1,000 (B.4.4.3).

Glass breakage

Covered

Breakage of windscreen, windows, mirror glass and light covers is covered in Basis, Komfort and Premium; consequential damage is excluded. Repairs (not replacement) via a DEVK Autoglaspartner are reimbursed without deducting the excess; in Premium, a windscreen replacement via a DEVK partner additionally reduces the agreed excess by €75 (A.3.2.6).

Natural hazards, animal bite and short-circuit damage

Covered

Storm, hail, flood, earthquake, landslide, subsidence and volcanic eruption are covered under Komfort and Premium, including roof avalanches; Basis covers only snow avalanches, not roof avalanches (A.3.2.3). Animal-bite damage to cables/hoses/lines and short-circuit damage are covered in all tiers, but follow-on (consequential) damage is capped at €20,000 under Komfort and is unlimited under Premium, while Basis excludes follow-on damage entirely (A.3.2.5, A.3.2.7).

Vandalism / malicious acts and minor park-damage repair

€250

Malicious or spiteful acts of vandalism by unauthorised third parties are covered under Vollkasko in Basis, Komfort and Premium (A.3.3.3). Premium additionally includes a 'Parkschadenschutz' smart-repair benefit for small body-panel damage (e.g. scratches, dents no larger than a palm) up to €250 per claim, with a €50 policyholder contribution and no separate excess; this benefit is not available under Basis or Komfort (A.3.6.8).

Breakdown/accident assistance (Autoschutzbrief 'Auto Plus')

Optional

Roadside and accident assistance (towing, recovery, onward travel, rental car, repatriation, etc.) is provided via the separate Auto Plus Autoschutzbrief module (A.6). It is a paid add-on under Basis and Komfort liability cover and is included automatically under Premium liability cover; it is not itself part of the Kasko contract but is commonly taken out alongside it (A.1.2.4).

Courtesy/replacement vehicle (value expressed in days, not currency)

€14

Only in Komfort, Premium

After vehicle theft, a free replacement vehicle arranged by DEVK is available for up to 14 days under Komfort and Premium (not under Basis) (A.3.7.6). After a total loss, a free replacement vehicle for up to 14 days is available only under Premium (A.3.6.6). The value_max of 14 represents days, not a monetary amount.

Driver/occupant accident cover

€10,000 – €20,000

Personal accident cover for the driver/occupants is not a default part of Kasko but is offered via two separate modules: the Fahrer-Schutzversicherung (A.4, driver-only, damages-based, sum insured €12 million per claim) and the Kfz-Unfallversicherung (A.5, lump-sum system). Both can be added on request under Basis and Komfort; the Kfz-Unfallversicherung is included automatically under Premium with lump sums of €10,000 (death) and €20,000 (disability), which can be increased on request (A.1.2.5).

Key conditions

Driver age and experience limit

The AKB do not set a specific minimum driver age or experience requirement for casco cover; the vehicle may only be driven by a person holding the driving licence required for that vehicle class (B.3.1.3). Age/experience are instead reflected indirectly via the no-claims (SF) rating system, including special rules for young/new drivers (Junge-Leute-Regelung, B.8.5).

Repair network requirements

Repairs are not generally restricted to a partner network, but policyholders can opt into 'Kasko-Mobil' (workshop tie-in): if agreed, claims must be repaired at a DEVK partner workshop, otherwise the payout is reduced by the agreed deductible plus 15% of the calculated repair cost (minimum €300) (A.3.4.1).

Territorial scope

Cover applies within the geographical borders of Europe and the non-European territories that form part of the European Union (A.3.18).

Anti-theft requirements

No specific anti-theft device (e.g. alarm, tracker) is mandated as a condition of cover. However, benefits can be reduced proportionately for gross negligence that facilitated a theft (e.g. leaving keys in the vehicle), per A.3.16 b).

Claim notification deadline

Any event that may lead to a claim must be reported within one week (B.4.1.1). Theft of the vehicle or of insured parts must be reported without delay (B.4.4.1), and theft, fire or wildlife-collision damage exceeding €1,000 must additionally be reported to the police without delay (B.4.4.3).

Deductible rules

An agreed deductible (Selbstbeteiligung) is deducted from each claim payment unless otherwise agreed (A.3.14). Glass repairs (not replacement) via a DEVK glass partner are reimbursed without deducting the excess (A.3.2.6); in Premium, a windscreen replacement via a DEVK partner reduces the agreed excess by €75 (A.3.2.6). Using a non-partner workshop under an agreed 'Kasko-Mobil' tie-in increases the effective deductible (A.3.4.1).

Documents

General Terms and Conditions for Motor Insurance (AKB), as at 01.10.2025 – current edition

Terms & conditions

IPID – Insurance Product Information Document for motor insurance

IPID

Benefits table for passenger cars and electric/hybrid passenger cars, as at 01.10.2025

Table of benefits

General Terms and Conditions for Motor Insurance (AKB), as at 01.04.2025 – superseded edition

Terms & conditions

General Terms and Conditions for Motor Insurance (AKB), as at 01.04.2024 – superseded edition

Terms & conditions

Policy specifics

Collision damage (self-caused or third-party)

Comprehensive casco coverage includes damage from collisions with other vehicles or objects, while partial casco does not cover self-caused accident damage

Vandalism and malicious damage coverage

Comprehensive casco includes coverage for vandalism and malicious damage, while partial casco does not

Theft and attempted theft protection

Both partial and comprehensive casco cover theft and attempted theft of the insured vehicle

Natural hazard damage (storm, hail, flooding, etc.)

Both partial and comprehensive casco cover damage from storm, hail, flooding, earthquakes, landslides and animal collisions

Glass breakage coverage

Partial casco includes coverage for glass breakage on windscreen, windows, and headlights

Casco protection tiers (Basis, Komfort, Premium)

DEVK offers three casco protection levels: Basis (basic), Komfort (comfort), and Premium, with varying coverage benefits and deductibles

Deductible (Selbstbeteiligung) options

DEVK casco policies offer configurable deductible amounts for partial and comprehensive coverage

Electric and hybrid vehicle-specific coverage

DEVK casco policies include special coverage for electric vehicles: battery/accumulator coverage, charging cable and card coverage, animal bite damage to cables and electrical components

Service network for repairs (Kasko-Mobil program)

DEVK offers discounted casco premiums (Kasko-Mobil) when policyholders agree to use DEVK partner workshops for casco damage claims

New vehicle replacement benefit (Neuwertentschädigung)

For new vehicles (first 12 months from registration), DEVK pays full new replacement value instead of time value if repair costs reach 80% of new price or in case of total loss

Fast claim settlement guarantee (3 business days)

DEVK commits to settle casco claims within 3 business days from receipt of all necessary documents; penalty payment if settlement takes longer

Insurable vehicle accessories and parts

Coverage includes permanently attached parts (roof racks, tent, battery), secured items (toolkit, warning vest), and some items under specific conditions (mobile phones in Komfort+ tier)

Total loss threshold (repair cost ratio)

Comprehensive casco pays total loss replacement if repair costs reach 80% of replacement value; policy will pay remaining damage even if threshold not reached but repair economically unfeasible

Wear and tear deduction on replacement parts

For replacement of damaged parts, DEVK deducts 2% of new price for each month after purchase; does not apply to new vehicle replacement benefit or under certain conditions

Sources