die Bayerische Insurance Group (formerly Bayerische Beamten Versicherungen / BBV), parent company BY die Bayerische Vorsorge Lebensversicherung a.G.
die Bayerische
die Bayerische is a motor casco insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
die Bayerische settles claims by cash compensation up to the replacement value or applicable repair-cost cap; it is not obliged to pay a workshop directly unless the optional Werkstatt-Service has been agreed, in which case the policyholder is bound to a partner workshop.
Geographic scope
Europe and non-European territories of the EU
Coverage applies within the geographic boundaries of Europe and the non-European territories belonging to the European Union.
Unique selling points
- A Best-Leistungs-Garantie automatically extends cover, for a small surcharge, to match better-performing benefits found in an equivalent competitor motor tariff.
- Electric and hybrid vehicles get an AllRisk cover for the battery plus new-value compensation for the battery if it is damaged within the applicable new-vehicle period.
- Vollkasko cover includes vandalism damage caused by a hacking attack directed at the insured vehicle, going beyond standard vandalism cover.
- Car policyholders who present a valid Bahncard when filing a claim get their deductible reduced by up to €150.
- Komfort/Prestige policyholders can have one minor parked-car scratch or dent repaired via Smart-Repair each calendar year.
Coverage limits
Own vehicle damage (Kasko)
Covered
Only in Teilkasko, Vollkasko
Covers damage, destruction, total loss or loss of the insured vehicle from perils defined under partial comprehensive (Teilkasko) and, if agreed, full comprehensive (Vollkasko) cover.
Total loss / theft settlement
Covered
Total loss, destruction or loss is settled at replacement value (Wiederbeschaffungswert) minus residual value. New-value compensation applies for cars if total loss occurs within 18 months (Komfort tariff) or 36 months (Prestige tariff) of first registration, and within 24 months for motorcycles; theft payout is reduced by 10% unless the vehicle has a self-sharpening electronic immobiliser.
Partial damage / repair costs
Covered
Only in Teilkasko, Vollkasko
Repair costs are reimbursed up to the replacement value if the vehicle is fully and properly repaired; otherwise up to the replacement value less residual value, calculated using partner-workshop average labour rates if no repair invoice is provided.
Theft and robbery
Covered
Only in Teilkasko, Vollkasko
Covers theft, robbery, extortion-related surrender of the vehicle, and (under conditions) embezzlement and unauthorised use; for electric/hybrid vehicles on the Komfort/Prestige tariff, or motorcycles, theft of the charging cable during charging is also covered.
Glass breakage
Covered
Only in Teilkasko, Vollkasko, Prestige
Covers breakage of the vehicle's glazing; the deductible is waived if the pane is repaired rather than replaced, and no notional (fiktive) settlement is possible. The Prestige tariff additionally covers the cost of light bulbs damaged in the same event.
Natural hazards (storm, hail, lightning, flood, avalanche)
Covered
Only in Teilkasko, Vollkasko
Covers direct impact of storm (wind force 8 or above), hail, lightning, flood, avalanches or mudslides on the vehicle, including objects thrown onto or against the vehicle by these forces; earthquake damage is excluded.
Vandalism (incl. hacking attacks)
Covered
Only in Vollkasko
Vollkasko cover extends to malicious or mischievous acts by unauthorised persons, including damage caused by a hacking attack directed immediately at the insured vehicle (not covered if the attack instead targets a manufacturer's server or digital platform).
Roadside assistance (Autoschutzbrief)
Optional
Available as a separate, legally independent Autoschutzbrief contract providing breakdown and accident assistance: roadside repair up to €100, towing up to €200 (net of roadside-repair costs), plus extended assistance (rental car, overnight stay, vehicle storage) once the breakdown site is more than 50 km from the policyholder's home.
Replacement vehicle / rental car
€50
Under the Autoschutzbrief, a rental car is arranged at up to €50 per day for a maximum of 7 days domestically (up to €350 total abroad), provided neither the return/onward-journey benefit nor the overnight-stay benefit has been used instead.
Vehicle occupant accident cover
Optional
Available as a separate, legally independent Kfz-Unfallversicherung (lump-sum cover per seat/occupant) or Fahrer-Unfallversicherung (actual-loss cover for the driver); the insured sum is stated in the policy schedule.
Key conditions
Driver age and experience limit
No general minimum age applies for Kasko eligibility itself, but certain premium reductions (e.g., extended animal-collision cover, Rabattschutz) require all drivers to be at least 23 years old.
Repair network requirements
The workshop can generally be chosen freely, unless the optional Werkstatt-Service (partner-workshop commitment) has been agreed for the vehicle; in that case, claims must be assessed and repaired at a partner workshop, and repairs at a freely chosen workshop are reimbursed only at partner-workshop average labour rates.
Territorial scope
Kasko cover applies within the geographic boundaries of Europe and the non-European territories belonging to the European Union; unlike Kfz-Haftpflicht, Kasko cover cannot be extended to non-European countries via the International Motor Insurance Card.
Anti-theft requirements
In the event of theft of a car, compensation is reduced by 10% unless the vehicle was secured by a self-sharpening electronic immobiliser at the time of the theft.
Claim notification deadline
Any claim event must generally be reported within one week; theft or loss of the vehicle must be reported immediately in text form, and theft, fire or animal-collision damage exceeding EUR 500 must also be reported to the police without delay.
Deductible rules
An agreed deductible (Selbstbeteiligung) is deducted from the claim payment for each event; it is waived for glass claims settled by repair rather than replacement, and it is reduced by up to €150 for car policyholders who hold a valid Bahncard and present it when filing the claim.
Where to buy
Policy specifics
Partial comprehensive coverage (Teilkasko) insured events
Coverage for theft, natural hazards, glass breakage, collision with animals, fire and explosion under partial comprehensive (Teilkasko) insurance
SourceFull comprehensive coverage (Vollkasko) insured events
Coverage includes all Teilkasko events plus self-caused accidents and vandalism (Vandalismus) damage under full comprehensive (Vollkasko) insurance
SourceBattery damage coverage for electric vehicles
Coverage for damage to the vehicle battery (Akku) in electric or hybrid vehicles, including diagnostic and transportation costs to battery test stations up to EUR 1,500
SourceSource no longer reachableProtective gear coverage (helmets and protective clothing)
Mitversicherung of protective helmets and protective clothing for driver and passenger up to EUR 500 in case of accident or collision
SourceSource no longer reachableNew vehicle value compensation
For new vehicles registered within 24 months, full new value compensation is provided in case of total loss, instead of depreciated value
SourceSource no longer reachableFree workshop selection
Policyholders can choose any workshop for repairs rather than being bound to diebayerische partner workshops
SourceClaims settlement procedure
The insurer provides cash compensation (Geldentschädigung) for damage, with settlement coordinated through their claims service department
SourceSource no longer reachableGeographic coverage territory
Coverage applies within the geographic boundaries of Europe and EU external territories; international green card available for non-EU countries upon request
SourceSource no longer reachableDamage notification obligation
Policyholders must report all damage claims immediately (unverzüglich), even if no claims have been filed against them
SourceSource no longer reachableAutomatic policy renewal
Insurance policies automatically renew for one-year periods unless either party cancels with one month advance notice
Source