EUROPA-go Casco (own-damage car insurance) (Kaskoversicherung)
Underwritten by EUROPA Versicherung AG · Germany
casco (own-damage car insurance) from EUROPA-go for the Germany market, with online purchase and 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2026-10-01Sources
Unique selling points
Komfort tariff pays new-price compensation (Neupreisentschädigung) for 36 months after first registration, plus a EUR 2,500 bonus for switching from a combustion engine to an electric/hydrogen vehicle.
Cover for gross negligence (grobe Fahrlässigkeit) is included as standard in both tariffs, except in cases of intoxication/drug use or making theft easy for a thief, unlike policies that broadly cut payouts for any negligent behavior.
24/7 accident and breakdown hotline with fully digital claims reporting completed online in just a few minutes.
The Spar-Kasko variant offers a 15% premium discount plus a six-year repair warranty (30 years for chip repair, 10 years for glass replacement) when using EUROPA-go's certified partner-workshop network.
The Komfort tariff includes all-risk cover for EV/hybrid batteries and extensive e-mobility benefits (wallbox, charging cable, battery disposal, condition diagnostics) at no extra premium.
Coverage limits
Own damage cover (Kasko)
Covered
Covers damage, destruction, loss or total loss of the insured vehicle under partial (Teilkasko) or comprehensive (Vollkasko) cover. Compensation is not a fixed sum insured; it is generally limited to the vehicle's replacement value (Wiederbeschaffungswert), with an overall maximum equal to the vehicle's new price (Neupreis).
Total loss / write-off compensation
Covered
In case of total loss, destruction or loss of the vehicle, the replacement value minus residual value is paid. Within 36 months of first registration (Komfort tariff) or only 3 months (Basis tariff), new-price compensation (Neupreisentschädigung) is paid instead of the replacement value. The Komfort tariff additionally pays a used-vehicle purchase-value compensation (Kaufwertentschädigung) for vehicles up to 48 months old within 36 months of purchase, which is not available in the Basis tariff, plus a EUR 2,500 bonus when switching from a combustion vehicle to a first-registered electric/hydrogen vehicle.
Section: AKB > A.2 Kaskoversicherung > A.2.5 Was zahlen wir im Schadenfall? > A.2.5.1 Was zahlen wir bei Totalschaden, Zerstörung oder Verlust? > A.2.5.1.2 Neupreis- und Kaufwertentschädigung bei Totalschaden, Zerstörung oder Verlust
innerhalb von 36 Monaten nach Erstzulassung tritt ein Totalschaden, eine Zerstörung oder ein Verlust des Fahrzeugs ein [...] Abweichend gilt die Neupreisentschädigung bei Pkw im Basis-Tarif nur innerhalb von 3 Monaten nach Erstzulassung. [...] innerhalb von 36 Monaten nach der erstmaligen Zulassung auf Sie tritt ein Totalschaden, eine Zerstörung oder ein Verlust des Fahrzeugs ein, bei der erstmaligen Zulassung auf Sie darf das Fahrzeug maximal 48 Monate alt sein
Partial damage / repair cost cover
Covered
Repair costs are reimbursed up to the vehicle's replacement value. Age-based 'new-for-old' deductions on replaced parts apply only to convertible soft-tops in the Komfort tariff, whereas in the Basis tariff such deductions also apply to tyres, battery, paintwork, convertible soft-tops and infotainment systems during the first two years, and to all parts from the third year onward.
Theft, robbery & unauthorized use
Covered
Theft, robbery, misappropriation and unauthorized use of the vehicle are covered under partial cover (Teilkasko) in both the Basis and Komfort tariffs. The police must be notified immediately for theft claims exceeding EUR 500.
Glass breakage
Covered
Glass breakage is covered in both tariffs. The Komfort tariff additionally covers bulb replacement and interior cleaning costs after breakage and reimburses non-reusable motorway vignettes/emission stickers; these extras are excluded in the Basis tariff. The deductible is waived on both tariffs if the damage is reported by phone before repair and the glass is repaired (not replaced) at a nominated partner workshop.
Natural hazards
Covered
The Basis tariff covers storm, hail, lightning strike, flood, earthquake and volcanic eruption. The Komfort tariff additionally covers indirect lightning-induced overvoltage damage to electric/hybrid vehicles and snow/roof avalanches, landslide and subsidence (Erdfall); these extensions are excluded from the Basis tariff.
Vandalism / malicious acts
Conditional
Damage from accident and vandalism (malicious or mischievous acts by persons not authorized to use the vehicle) is covered only under comprehensive cover (Vollkasko), in both the Basis and Komfort tariffs; it is not covered under partial cover (Teilkasko) alone.
Roadside assistance / breakdown protection (Kfz-Schutzbrief)
Optional
Roadside and breakdown assistance is not part of Kasko cover itself. It can be added as an optional rider (Kfz-Schutzbrief) for a surcharge of EUR 14.99, available with both the Basis and Komfort tariffs, covering breakdown recovery, towing, and further travel assistance in Europe and non-European EU territories.
Replacement vehicle
Optional
Kasko cover does not generally include a replacement vehicle. Under the discounted Spar-Kasko variant, a free courtesy car (small-car class) is provided only while the windscreen is being replaced (not for repairs) at a partner workshop. Broader rental-car assistance is available only via the optional Kfz-Schutzbrief rider (up to EUR 90/day for up to 7 days domestically; up to EUR 630 abroad, regardless of duration).
Key conditions
Driver age and experience limit
The Kasko cover itself does not state a minimum driver age restriction. Special no-claims-bonus (SF) entry rules apply from age 24 (Zweitwagen-Plus) or 30 (Führerschein-Plus), and accompanied driving from age 17 is subject to specific escort requirements.
Repair network requirements
Standard Kasko customers may choose any workshop freely. Under the discounted Spar-Kasko variant, repairs must be carried out at one of around 600 certified EUROPA-go partner workshops to receive the 15% discount and full benefits (six-year repair warranty, courtesy car for glass replacement); repair at a non-partner workshop is reimbursed at only 85% of eligible costs, and partner workshops are generally not manufacturer-tied contract garages, which may affect the vehicle warranty for financed or leased vehicles.
Anti-theft requirements
No specific anti-theft device is required for Kasko cover.
Claim notification deadline
Claims must generally be reported in text form within one week of the event. Vehicle theft must be reported immediately in signed text form. The police must be notified immediately for theft, fire or animal-collision damage exceeding EUR 500. For the Spar-Kasko variant, the insurer must be called before the vehicle is taken to any workshop.
Deductible rules
An agreed deductible (Selbstbeteiligung) is deducted from every claim payment. It is waived for glass damage if reported by phone before repair and the glass is repaired (not replaced) at a nominated partner workshop. Under Spar-Kasko, repairing at a non-partner workshop reduces reimbursement to 85% of eligible costs.
Direct payment
For Spar-Kasko repairs carried out at a EUROPA-go partner workshop, repair costs are billed directly between the workshop and EUROPA-go. For standard Kasko claims, compensation is generally paid to the policyholder within two weeks of the claim amount being established (at least one month for theft claims), based on invoices or an assessed repair cost.
Territorial scope
Comprehensive (Kasko) cover applies within the geographical boundaries of Europe and non-European territories that belong to the EU; there is no Kasko cover outside the EU, even where a Green Card exists for third-party liability.
Documents
Policy specifics
Animal bite follow-up damages
Damage caused directly by animal bites to cables, wiring, hoses, insulation material and rubber sleeves is covered, together with any resulting consequential damage, in the Komfort tariff; this cover is not included in the Basis tariff and no monetary cap is stated.
SourceClause A.2.2.1.7Page 18Section: AKB > A.2 Kaskoversicherung > A.2.2 Welche Ereignisse sind versichert? > A.2.2.1 Welche Ereignisse sind in der Teilkaskoversicherung versichert? > A.2.2.1.7 Tierbiss
– gilt nicht bei Pkw im Basis-Tarif – Versichert sind unmittelbare Schäden durch Tierbiss an Kabeln, Leitungen, Schläuchen, Gummimanschetten und Dämmmatten. Dadurch entstandene Folgeschäden sind ebenfalls mitversichert.
Gap insurance coverage
Optional gap coverage for leased or credit-financed vehicles covering the difference between the insurance payout and the outstanding loan/lease balance in case of total loss
SourceSection: Kaskoversicherung Auto > Optionale Zusatzleistungen im Detail > GAP-Deckung
Versichert ist dann der Differenzbetrag zwischen dem vom Kaskoversicherer zu erstattenden Wiederbeschaffungswert und dem Ablösewert/Restbuchwert des Leasing-/Kreditgebers.
General average (maritime) coverage
In Komfort tariff, damages during ship/ferry transport are covered including maritime stranding, collision, hull breach, sinking, or cargo jettison
SourceSection: Kaskoversicherung Auto > Vollkasko: Leistungen im Detail > Havarie-Schäden
Schäden, die bei einem Transport des Fahrzeugs auf einem Schiff oder einer Fähre dadurch entstehen, dass das Schiff strandet, kollidiert, leckschlägt oder untergeht oder das Fahrzeug aufgrund der Wetterlage oder aufgrund des Seegangs über Bord gespült wird oder das Fahrzeug deshalb über Bord geht, weil der Kapitän anordnet, das Fahrzeug zu opfern, um die Passagiere, das Schiff oder die Ladung zu retten sind im Komfort-Tarif mitversichert („Havarie-Grosse“).
Operational damage (Komfort only)
In full comprehensive (Vollkasko) Komfort tariff, operational damage caused by operating errors or driving misbehavior are covered, such as hood opening during driving
SourceSection: Kaskoversicherung Auto > Vollkasko: Leistungen im Detail > Brems-, Betriebs- und Bruchschäden
Betriebsschaden: Ein Schaden entsteht beispielsweise durch einen Bedienungsfehler oder fahrtechnisches Fehlverhalten (Aufspringen der Motorhaube während der Fahrt).
Breakage damage (Komfort only)
In Vollkasko Komfort tariff, damages due to material failure or overstressing are covered, such as axle breaking from overload
SourceSection: Kaskoversicherung Auto > Vollkasko: Leistungen im Detail > Brems-, Betriebs- und Bruchschäden
Bruchschaden: Mitversichert ist ein Schaden, der beispielsweise auf einen Materialfehler oder Überbeanspruchung zurückzuführen ist (Achsbruch durch Überladung oder Fahren durch ein Schlagloch).
Workshop network restriction
Generally no dealer-bound contract workshops in partner network; Europago uses independent partner workshops, which may limit warranty coverage for financed/leased vehicles
SourceSection: Fragen und Antworten zur Kfz-Versicherung, zum Versicherungsschutz und zum Vertrag > Arbeiten Sie im Bereich der Spar-Kasko auch mit Vertragswerkstätten zusammen?
Unter unseren Partnerwerkstätten befinden sich in der Regel keine händlergebundenen Vertragswerkstätten. Deshalb weisen wir auch bei finanzierten oder geleasten Fahrzeugen auf mögliche Fahrzeuggarantieeinschränkungen ausdrücklich hin.
Spar-Kasko mandatory workshop notification
For Spar-Kasko variant (cost-saving casco), policyholder must call insurer BEFORE taking vehicle to workshop in case of damage
SourceComprehensive coverage geographic scope
Casco coverage in principle limited to Europe and EU territories; high-risk countries outside EU jurisdiction have no comprehensive coverage
SourceSection: Fragen und Antworten zur Kfz-Versicherung, zum Versicherungsschutz und zum Vertrag > Ich fahre in ein Nicht-EU-Land. Besteht trotzdem Versicherungsschutz?
Leider besteht in diesen Ländern ein erhöhtes Risikopotential, so dass wir keinen Versicherungsschutz in der Kaskoversicherung bieten.
Komfort tariff extended animal collision coverage
Komfort tariff extends collision coverage to animals of all types (not just game/haarwild), and includes lawine/avalanche, landslide, and sinkhole damage
SourceSection: Kaskoversicherung Auto > Teilkasko: Leistungen im Detail > Zusammenstoß mit Tieren
Die Teilkaskoversicherung ersetzt Fahrzeugschäden durch den Zusammenstoß mit Haarwild (z.B. Rehe, Hirsche, Füchse), Pferden, Rindern, Schafen und Ziegen sowie darüber hinaus im Komfort-Tarif auch die Fahrzeugschäden durch den Zusammenstoß mit Tieren aller Art.
Sources
EUROPA-go Casco (own-damage car insurance)