EUROPA Casco (own-damage car insurance) (Kfz Kaskoversicherung)

Covers damage, destruction, loss or total loss of the insured vehicle from perils covered under Partial Comprehensive (Teilkasko) or Comprehensive (Vollkasko), e.g. fire, theft, natural perils, accident or vandalism. Compensation is based on the replacement value (Wiederbeschaffungswert) less residual value, capped overall at the new price (Neupreis) of the vehicle.

At total loss, destruction, theft or other loss, EUROPA pays the replacement value less residual value. Within 36 months of first registration (Komfort tier) or 3 months (Basic tier), new-value compensation (Neupreisentschädigung) is paid instead, provided the policyholder is still the original first owner; the Komfort tier also pays a 2,500 EUR bonus when switching from a combustion vehicle to an equivalent newly registered electric or hydrogen vehicle.

Covers the cost of repair up to the replacement value of the vehicle (or replacement value less residual value if not fully repaired). A betterment deduction ('neu für alt') applies to parts and paintwork; in the Komfort tier this is largely waived (only convertible roofs), while in the Basic tier it applies from year one for several component groups and to all parts from year three.

Partial Comprehensive (Teilkasko) covers theft, robbery, extortion-related surrender of the vehicle, embezzlement (under conditions) and unauthorised use of the vehicle or its co-insured parts; included in both Basic and Komfort tiers.

Covers breakage damage to the vehicle's glazing. The Komfort tier additionally covers resulting damage to light bulbs, interior cleaning costs and replacement of a toll/eco vignette invalidated by the breakage; these ancillary benefits are not included in the Basic tier. The deductible is waived for glass repair (not replacement) carried out at an EUROPA partner workshop after prior telephone notification.

Covers direct damage from storm (from wind force 8), hail, lightning, flood, earthquake and volcanic eruption in both tiers. The Komfort tier additionally covers snow avalanches, roof avalanches, landslides and ground subsidence, which are excluded in the Basic tier.

Malicious or spiteful acts by persons not entitled to use the vehicle are covered only under Comprehensive cover (Vollkasko), not under Partial Comprehensive (Teilkasko). Available in both the Basic and Komfort tiers, but only if Vollkasko is selected.

Roadside and breakdown assistance is provided through the Kfz-Schutzbrief, a legally separate optional contract that can only be taken out together with an EUROPA motor liability policy for the same vehicle; it is not automatically included in the casco (Kasko) cover itself.

The base Kasko cover explicitly excludes rental-car costs and loss-of-use compensation. An exception exists under the optional Spar-Kasko workshop-binding rider, which provides a free courtesy car (small-car class) for the duration of glass replacement (not repair) at an EUROPA partner workshop. Broader rental-car cover (up to 90 EUR/day, max. 7 days domestically, or up to 630 EUR abroad) is available only via the separately purchasable Kfz-Schutzbrief.