Extracted from source documents

ERGO Casco (own-damage car insurance) (Kfz Versicherung Kasko)

Underwritten by ERGO Versicherung AG · Germany

casco (own-damage car insurance) from ERGO for the Germany market, with online purchase and 24/7 assistance.

Verified Aug 27, 2026 · Terms dated 2021-09-18Sources

Online purchase24/7 helpline

Unique selling points

Standard waiver of the gross-negligence deduction on Kasko claims in both Smart and Best, going beyond many market policies that charge extra for this.

No 'new for old' deduction on replaced parts or repainting, so repair payouts are not reduced for age or wear of the replaced components.

All-risks cover (Allgefahrendeckung) for the EV/hybrid traction battery via the optional Elektro Plus module, regardless of the cause of battery damage.

Six-year workshop warranty on all work performed under the Werkstattbonus repair-network service.

Optional Ersatzfahrzeug Plus provides a same-class replacement car for up to 14 days after a Kasko claim, or a EUR 50/day usage-loss payment if unused.

Coverage limits

Conditional

Own vehicle accident damage (incl. self-caused)

Conditional

Under Vollkasko (comprehensive), ERGO pays for accident damage to the insured vehicle, including accidents caused by the policyholder or an authorised driver. Indemnity is capped at the replacement value (Wiederbeschaffungswert) less any residual value, not a fixed sum insured. Teilkasko does not cover self-caused accidents; this event only activates when Vollkasko is selected.

Clause E.3Page 12

Section: E Kasko > E.3 Welche Ereignisse versichern wir in der Vollkasko?

Wir versichern einen Unfall des Fahrzeugs. Ein Unfall ist ein unmittelbar von außen plötzlich mit mechanischer Gewalt einwirkendes Ereignis.

Covered

Total loss / write-off settlement

Covered

On economic total loss, destruction or loss of the vehicle, ERGO pays the replacement value (Wiederbeschaffungswert) minus any residual value. For new vehicles, the new-price value is paid instead within the first 12 months after first registration (extendable to 24 or 36 months with the optional Wertschutz module); for used vehicles up to 4 years old, the purchase price is paid within the first 12 months of the ERGO contract.

Clause E.5Page 13

Section: E Kasko > E.5 Wie regulieren wir einen Kaskoschaden?

Bei wirtschaftlichem Totalschaden, Zerstörung oder Verlust des Fahrzeugs zahlen wir den Wiederbeschaffungswert abzüglich eines vorhandenen Restwertes.

Covered

Partial damage / repair cost cover

Covered

ERGO pays the costs required for a full and proper repair, up to the replacement value (Wiederbeschaffungswert) of the vehicle including co-insured parts and accessories. ERGO waives the usual 'new for old' (Abzug neu für alt) deduction on replaced parts and paintwork.

Clause E.5Page 13

Section: E Kasko > E.5 Wie regulieren wir einen Kaskoschaden?

Wir zahlen die für die Reparatur erforderlichen Kosten. Das gilt auch bei einem wirtschaftlichen Totalschaden, wenn Sie diesen trotzdem reparieren lassen.

Covered

Theft, robbery, embezzlement and unauthorised use

Covered

Teilkasko (and therefore also Vollkasko) covers theft, robbery, embezzlement and unauthorised use of the vehicle or its co-insured parts, including damage caused while attempting the theft. Key/lock replacement after theft or robbery of a vehicle key is also covered, with no cap stated in the current edition. If the vehicle is recovered within one month of the claim notification, the policyholder must take it back where reasonably possible.

Clause E.2Page 11

Section: E Kasko > E.2 Welche Ereignisse versichern wir in der Teilkasko?

Die Beschädigung des Fahrzeugs ist versichert, wenn es beschädigt wurde, um das Fahrzeug, ein Fahrzeugteil oder -inhalt zu entwenden. Dies gilt auch, wenn die Entwendung nur versucht wurde.

Covered

Glass breakage

Covered

Teilkasko covers breakage damage to the vehicle's glazing (front, rear, roof, side and partition windows, mirror glass and light covers), including the cost of damaged bulbs, necessary interior cleaning, and replacement of vignettes affixed to the damaged glass. The agreed deductible is waived when a damaged windscreen is repaired (not replaced) and no other damage requires repair, provided repair costs do not exceed the deductible.

Clause E.3Page 12

Section: E Kasko > E.3 Welche Ereignisse versichern wir in der Vollkasko? > Glasbruch

Wir versichern Bruchschäden an der Verglasung des Fahrzeugs. Als Verglasung gelten Glas- und Kunststoffscheiben (z.B. Front-, Heck-, Dach-, Seiten- und Trennscheiben), Spiegelglas und Abdeckungen von Leuchten.

Covered

Natural hazards (storm, hail, flood, earthquake, etc.)

Covered

Teilkasko covers direct damage from storm and gale (minimum wind force 8), hail, lightning strike, flood, snow and roof avalanches, earthquake, landslide, ground subsidence (Erdfall) and volcanic eruption, including objects thrown onto or against the vehicle by these forces.

Clause E.3Page 12

Section: E Kasko > E.3 Welche Ereignisse versichern wir in der Vollkasko? > Naturgewalten

Wir versichern die direkte Einwirkung von Sturm und Böen, Hagel, Blitzschlag, Überschwemmung, Schnee- und Dachlawinen, Erdbeben, Erdrutsch (z. B. Muren), Erdfall und Vulkanausbruch auf das Fahrzeug.

Conditional

Malicious damage by third parties (vandalism, incl. hacking attack)

Conditional

Vollkasko covers malicious or spiteful acts by persons not authorised to use the vehicle, and, as of the current edition, also damage from a hacking/cyberattack directed immediately at the insured vehicle (not an attack on a manufacturer's server that only indirectly affects the vehicle). Teilkasko does not include this event; it only activates when Vollkasko is selected.

Clause E.3Page 12

Section: E Kasko > E.3 Welche Ereignisse versichern wir in der Vollkasko? > Mut- oder böswillige Handlungen

Wir versichern mut- oder böswillige Handlungen von Personen, die in keiner Weise berechtigt sind, das Fahrzeug zu nutzen.

Optional

Breakdown / roadside assistance package (Kfz-Schutzbrief)

Optional

Optional add-on for vehicles registered in Germany, covering roadside breakdown repair (up to EUR 150), towing (up to EUR 250), vehicle recovery, rental of an equivalent vehicle (up to 7 days at up to EUR 50/day), overnight accommodation, return/onward travel costs, and assistance abroad including medical repatriation and legal/interpreter support.

Clause G.5Page 18

Section: G Kfz-Schutzbrief > G.5 Welche Leistungen bieten wir im Schadensfall?

Wir sorgen für die Wiederherstellung der Fahrbereitschaft an der Schadensstelle durch ein Pannenhilfsfahrzeug. Außerdem übernehmen wir die hierdurch entstehenden Kosten.

Optional

Replacement vehicle after a claim (Ersatzfahrzeug Plus)

€50

Optional add-on: after a covered Kasko claim, ERGO arranges a same-class replacement vehicle in Germany for up to 14 days, or pays a usage-loss compensation of EUR 50 per day (max. 14 days) if the vehicle is not used; not paid for pure glass-breakage claims. In Vollkasko, this module also extends cover to accidents abroad with a foreign-insured vehicle (Auslandsschadenschutz).

Clause E.5Page 15

Section: E Kasko > E.5 Wie regulieren wir einen Kaskoschaden? > Ersatzfahrzeug Plus

Wenn wir einen Kaskoschaden entschädigen, vermitteln wir Ihnen in Deutschland für die Dauer der Reparatur ein klassengleiches Fahrzeug für maximal 14 Tage.

Excluded

Driver / occupant personal accident cover

Excluded

No personal accident insurance for the driver or occupants is offered as part of this Kasko product; the selectable modules relate to vehicle damage, breakdown assistance and mobility, not to bodily injury of the driver.

Key conditions

Driver age and experience limit

No general minimum age or licence-duration applies to Kasko cover itself. The optional Rabattschutz (no-claims-class protection) module can only be taken out if the youngest driver has turned 23 and both Kfz-Haftpflicht and Vollkasko are already rated at SF-Klasse 4 or higher; all persons who drive the vehicle, even occasionally, must be declared (Fahrerkreis).

Repair network requirements

By default, policyholders may choose their own repair workshop. If the optional Werkstattbonus module is selected for a car, ERGO designates the workshop; the policyholder must have repairs carried out there to receive benefits (6-year warranty, collection/return service, replacement vehicle). Using a non-designated workshop while this module is active reduces the payout by 20%, at least EUR 100.

Anti-theft requirements

The conditions do not impose a specific technical anti-theft device (e.g. alarm or immobiliser) as a precondition for theft cover. The policyholder must, however, notify the police without delay in the event of theft, fire or a collision with an animal, and report the theft or loss of the vehicle or its keys to ERGO in text form.

Claim notification deadline

Every claim event that may lead to a payment must be reported to ERGO without undue delay ('unverzüglich'). Theft of the vehicle, its parts or a key must be reported in text form (letter, fax, email). Damage expected not to exceed EUR 500 may be settled by the policyholder directly; otherwise ERGO must be informed immediately.

Deductible rules

An agreed deductible (Selbstbeteiligung) is deducted from every claim payment and applies separately per insured vehicle and per claim. It is waived for windscreen (not full-glass) repairs where the repair cost does not exceed the deductible, and for Vollkasko claims arising from accidents abroad with a foreign-insured vehicle that is fully liable.

Direct payment

If the optional Werkstattbonus module is chosen for a car, ERGO settles the repair invoice directly and cashlessly with the ERGO-designated partner workshop, including a six-year warranty and collection/return service. Without this module, or if repairs are carried out elsewhere while it is active, the policyholder is reimbursed and a 20% reduction (minimum EUR 100) applies for not using the designated workshop.

Territorial scope

Cover applies within the geographical borders of Europe and the non-European overseas territories of the EU.

Exclusions

Wear and tear exclusion

Wear and tear repairs (Verschleißreparaturen) are not covered under comprehensive or partial casco; tire-only damage not insured unless accompanied by other vehicle damage

SourceClause E.4Page 13

Section: E Kasko > E.4 Was versichern wir in der Kasko nicht? > Reifenschäden

Wenn nur die Reifen beschädigt oder zerstört werden, haben Sie keinen Versicherungsschutz.

Documents

General Terms and Conditions for Motor Insurance (AKB), Stand 18.9.2021 (opens in a new tab)

Terms & conditions · PDF

General Terms and Conditions for Motor Insurance (AKB), Stand 14.9.2019, incl. withdrawal notice (opens in a new tab)

Terms & conditions · PDF

General Terms and Conditions for Motor Insurance (AKB) 'Kfz-Versicherung Mobil', Stand 22.9.2018 (superseded generation with Basis-/Komfort-/Premiumschutz) (opens in a new tab)

Terms & conditions · PDF

Policy specifics

Workshop service / repair network

ERGO provides workshop pickup and delivery service; claims must be reported and repairs conducted at ERGO partner workshops (with optional workshop binding bonus for premium reduction)

SourceClause E.5Page 15

Section: E Kasko > E.5 Wie regulieren wir einen Kaskoschaden? > Werkstattbonus

Einen fahrfähigen und verkehrssicheren Pkw lassen wir auf unsere Kosten vom Schadensort in die von uns ausgewählte Werkstatt und nach der Reparatur zu Ihrem Wohnsitz in Deutschland fahren.

New price indemnity (Neupreisentschädigung)

On total loss within the first 12 months after first registration, ERGO pays the new price instead of the replacement value (extendable to 24 or 36 months with the optional Wertschutz module); for used vehicles up to 4 years old, the purchase price is paid within the first 12 months of the ERGO contract.

Source

Section: ERGO Kfz-Versicherung: Tarife & Leistungen > Zusätzlicher Schutz mit individuellen Bausteinen

Bei einem Totalschaden erstattet ERGO innerhalb der ersten 24 Monate nach Erstzulassung den Neupreis. Für bis zu 4 Jahre alte Gebrauchtfahrzeuge bekommen Sie in den ersten 24 Monaten nach Vertragsbeginn den Kaufpreis.

Claims settlement procedure (direct service vs. reimbursement)

ERGO handles complete claim settlement directly with partner workshops when workshop binding is selected; otherwise settlement may be by reimbursement to policyholder

SourcePage 1

Section: Die ERGO Kfz-Versicherung. Alle Leistungen auf einen Blick.

Werkstattbonus nur für Pkw für Schadensfälle in Deutschland • Im Schadensfall Reparatur in einer Premium-Werkstatt (keine freie Werkstattwahl)

Electric and hybrid vehicle coverage (Elektro Plus)

All-risk cover (Allgefahrendeckung) for the traction battery of electric and hybrid vehicles, regardless of cause; follow-on damage from short circuits to connected aggregates up to EUR 15,000 incl. VAT; the owner's private charging station and its fixed charging cable are insured; battery disposal costs up to EUR 2,000 where linked to battery damage.

SourceClause E.5Page 15

Section: E Kasko > E.5 > Elektro Plus

Unser Versicherungsschutz für den Akku besteht immer bei Beschädigung, Zerstörung, Verlust oder Totalschaden des Akkus (Allgefahrendeckung).

Waiver of gross negligence defense

ERGO waives, as standard in both the Smart and Best tariffs, its right to reduce the payout for grossly negligent damage, except for the cases listed in E.4 (e.g. theft of the vehicle or its co-insured parts, or damage resulting from alcohol or other intoxicants)

Source

Bonus/discount payback (Schadensrückkauf)

Optional module allowing policyholder to repay claim amount within one year after settlement to prevent loss of discount class; available for comprehensive coverage

SourcePage 1

Section: Die ERGO Kfz-Versicherung. Alle Leistungen auf einen Blick. > Vollkasko

Schadensrückkauf

Replacement vehicle module (Ersatzfahrzeug Plus)

Optional module providing a same-class replacement vehicle in Germany for up to 14 days after a Kasko claim, or EUR 50/day usage-loss compensation if unused; not paid for pure glass-breakage claims. In Vollkasko it also adds Auslandsschadenschutz (accidents abroad with a foreign-insured vehicle).

SourceClause E.5Page 15

Section: E Kasko > E.5 Wie regulieren wir einen Kaskoschaden? > Ersatzfahrzeug Plus

Wenn wir einen Kaskoschaden entschädigen, vermitteln wir Ihnen in Deutschland für die Dauer der Reparatur ein klassengleiches Fahrzeug für maximal 14 Tage.

Damage assessment and repair conditions

ERGO may require expert inspection of damage; repair work must be performed by appointed repair network; financial total loss threshold applies

Source

Claim notification timeline (Schadenmeldung)

Policyholder must notify ERGO without undue delay (unverzüglich) of damage event; claims can be reported online, by phone, or through broker

SourceClause H.5Page 21

Section: H Obliegenheiten > H.5 Welche Obliegenheiten haben Sie im Schadensfall

Sie müssen uns jedes Schadensereignis, das zu einer Leistung durch uns führen kann, unverzüglich anzeigen.

Intentional or reckless damage exclusion

Damages caused deliberately or maliciously by insured or authorized driver are not covered; reckless conduct (grobe Fahrlässigkeit) may be covered under certain product tiers

SourceClause E.4Page 13

Section: E Kasko > E.4 Was versichern wir in der Kasko nicht? > Vorsatz und grobe Fahrlässigkeit

Schäden, die Sie vorsätzlich herbeiführen, versichern wir nicht.

Partial casco insured events (Teilkasko Leistungen)

Partial casco (Teilkasko) covers fire and explosion, short circuit, theft/robbery/embezzlement and unauthorised use, natural hazards (storm, hail, lightning, flood, etc.), collision with animals, glass breakage, animal bite and transport by ship (Havarie-Grosse); it does NOT cover self-caused accidents.

SourceClause E.2Page 11

Section: E Kasko > E.2 Welche Ereignisse versichern wir in der Teilkasko?

Unser Versicherungsschutz besteht bei Beschädigung, Zerstörung, Verlust oder Totalschaden des Fahrzeugs einschließlich seiner mitversicherten Teile durch die folgenden Ereignisse: Brand und Explosion...

Comprehensive casco additional insured events

Comprehensive casco includes all partial casco events PLUS self-caused accidents (including at-fault), and malicious damage (vandalism) by third parties

SourceClause E.3Page 12

Section: E Kasko > E.3 Welche Ereignisse versichern wir in der Vollkasko?

Ereignisse der Teilkasko Wir versichern die Schadensereignisse der Teilkasko. Unfall Wir versichern einen Unfall des Fahrzeugs.

Sources