EUROPA Versicherung AG / EUROPA Lebensversicherung AG
EUROPA
EUROPA is a motor casco insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
Compensation is normally paid to the policyholder within two weeks after the claim amount has been determined (in case of theft, not before one month after the claim notification); an appropriate advance can be requested if the amount is not established within a month. For repairs carried out under the optional Spar-Kasko rider at an EUROPA partner workshop, EUROPA settles directly with the workshop.
Geographic scope
Europe and non-European EU territories
Cover applies within the geographical boundaries of Europe and the non-European territories belonging to the European Union.
Unique selling points
- Awarded 'Beitragsniveau: weit besser als der Durchschnitt' (premium level far better than average) by Stiftung Warentest (test dated 11.11.2025).
- Komfort tier grants new-value compensation for up to 24 months after first registration, eight times longer than the 3-month window in the Basic tier.
- Komfort tier covers bites from any animal type (not just martens), including up to 20,000 EUR in consequential damage.
- No deductible is charged for windscreen repairs (as opposed to replacement) carried out at an EUROPA partner workshop.
- EUROPA waives the usual proportional reduction of Kasko benefits for gross negligence, except in cases enabling theft or involving alcohol/drugs.
Coverage limits
Damage to your own vehicle (own damage cover)
Covered
Only in Basis-Tarif, Komfort-Tarif, Teilkasko, Vollkasko
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.
Total loss / destruction / theft settlement
Covered
Only in Basis-Tarif, Komfort-Tarif
At total loss, destruction, theft or other loss, EUROPA pays the replacement value less residual value. Within 24 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.
Partial damage / repair costs
Covered
Only in Basis-Tarif, Komfort-Tarif
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.
Theft, robbery and unauthorised use
Covered
Only in Basis-Tarif, Komfort-Tarif, Teilkasko
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.
Glass breakage
Covered
Only in Basis-Tarif, Komfort-Tarif
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.
Natural perils
Covered
Only in Basis-Tarif, Komfort-Tarif
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.
Vandalism (malicious acts)
Conditional
Only in Basis-Tarif (Vollkasko), Komfort-Tarif (Vollkasko)
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 assistance / breakdown cover (Kfz-Schutzbrief)
Optional
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.
Replacement / courtesy vehicle
Excluded
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.
Driver accident cover
No limit stated
No dedicated driver accident insurance (Fahrerschutz/Kfz-Unfallversicherung) is described for this product; the AKB only cover Kfz-Haftpflicht, Kaskoversicherung and Kfz-Schutzbrief.
Key conditions
Driver age and experience limit
If the vehicle is used by a different driver group or a younger driver than stated in the policy at the time of the claim, the claims payment is reduced by 10%.
Repair network requirements
Standard Kasko cover allows free choice of repair shop. Choosing the optional Spar-Kasko rider ties repairs to the EUROPA partner workshop network in exchange for a premium discount; using a non-partner workshop under Spar-Kasko limits reimbursement to 85% of eligible costs.
Territorial scope
Cover applies within the geographical boundaries of Europe and the non-European territories belonging to the European Union.
Anti-theft requirements
No general anti-theft device is mandated for standard cover. While the vehicle is taken off the road (Ruheversicherung), it must be kept in a garage or an enclosed, fenced parking area and must not be used outside these premises.
Claim notification deadline
Claims must generally be reported in text form within one week of the event; theft of the vehicle or its parts must be reported without delay in signed text form, and police must be notified immediately for theft, fire or animal-collision damage exceeding 500 EUR.
Deductible rules
An agreed deductible is deducted from the claims payment for each event, as stated in the policy schedule. The deductible is waived for glass damage that is repaired (not replaced) at an EUROPA partner workshop after prior telephone notification to the claims service.
Where to buy
Policy specifics
Workshop binding
Policy includes option to reduce premiums through workshop binding commitment, where insurer designates repair workshops for damage claims
SourceNew value compensation
At total loss, destruction or theft, replacement at new value (Neuwert) for new cars within 24 months (Comfort tier) or 3 months (Basic tier) from initial registration
SourceAnimal bite consequential damages
Partial Comprehensive (Teilkasko) covers direct damage from animal bites to cables, wiring, hoses, insulation and rubber seals, with consequential damages up to €20,000 (Comfort tier only)
SourceGlass damage coverage with extras
Partial Comprehensive (Comfort tier) covers glass damage including replacement costs for light bulbs, cleaning costs, and vignette/environmental sticker replacement when windscreen is damaged
SourceMallorca coverage
Combo with liability insurance: provides coverage for damages to rental vehicles hired in Europe; compensates gap between lower foreign coverage limits and EUROPA contract sum
SourceSnow/ice avalanche and landslide coverage
Partial Comprehensive (Comfort tier only) covers damages from snow and ice avalanches, landslides, ground subsidence, earthquakes and volcanic eruptions
SourceOwn damage coverage (Comfort tier)
Comfort tier includes coverage up to €100,000 per year for own damage to other vehicles, building parts and other objects (€500 deductible per claim)
SourceGross negligence reduction waiver
EUROPA waives right to proportional reduction (Quotelung) of Kasko benefits in case of gross negligence, except for gross negligence enabling theft or involving alcohol/drugs
SourceSpecial equipment coverage
Factory-installed special equipment (e.g. metallic paint, navigation systems) is insured in Kasko coverage up to €10,000 in both Basic and Comfort tiers
SourceDeductible options
Policyholders can reduce premiums by selecting higher deductible levels, e.g. €150 in Partial Comprehensive or €300 in Comprehensive (Full Kasko)
SourceShort circuit damage and consequential damage
Partial Comprehensive covers wiring damage from electrical short circuit (Schmörschäden) including consequential damage to adjacent aggregates up to €20,000 in Comfort tier
SourceStorm damage threshold
Partial Comprehensive covers damage when vehicle is damaged by storm from wind force 8 (Beaufort scale) or higher, e.g. from falling debris
Source