GARANTA Versicherungs-Aktiengesellschaft
NÜRNBERGER
NÜRNBERGER is a motor casco insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
GARANTA bietet für die Kfz-/Kaskoversicherung mehrere Zahlungsweisen an: jährlich, halbjährlich, vierteljährlich und monatlich. Die monatliche Zahlweise ist in der Regel nur per SEPA-Lastschriftverfahren (Bankeinzug) möglich. Bei jährlicher Zahlung wird häufig ein Nachlass von etwa 5-10% gegenüber der Ratenzahlung gewährt, und wer die vierteljährliche Zahlweise mit Einzugsermächtigung wählt, erhält bei GARANTA einen zusätzlichen Rabatt.
Geographic scope
Germany (EU/EEA)
General casco protection follows the policy's European/EU-wide geographic scope; the Mallorca-Police (accidents with rental cars in European countries abroad) is included in all three tiers, and Auslandsschadenschutz (claims handled under German law in 26 European states) is included from the Komfort tier upward.
Unique selling points
- Casco claims are paid within 3 working days once all required documents are submitted.
- RabattSchutz lets one liability and/or comprehensive claim per calendar year pass without a downgrade in the no-claims class.
- Werkstatt Plus partner garages repair to manufacturer specification with original parts and include a pickup/drop-off service, at a lower premium.
- Elektro Plus adds EV/plug-in-hybrid-specific protections (e.g. animal-bite follow-on damage, charging misuse cover) at no extra cost.
- Liability cover of up to EUR 100 million underpins the whole Autoversicherung line that the casco tiers extend.
Coverage limits
Own damage cover (Vollkasko)
Covered
Vollkasko covers accidental damage to the policyholder's own vehicle, including damage the driver caused themselves and vandalism (mut- oder böswillige Handlungen), on top of all Teilkasko perils; it is offered as a selectable extension in all three tiers (Kompakt, Komfort, Premium).
Total loss / write-off compensation
Covered
On total loss, destruction or loss of the vehicle, new-car purchase price (incl. registration/transfer costs up to EUR 1,000) is replaced if the event occurs within 12 months (Kompakt), 24 months (Komfort) or 36 months (Premium) of first registration. For used cars, compensation is the replacement value (Wiederbeschaffungswert) plus 15%, within the same 12/24/36-month windows from registration.
Special equipment replacement (partial damage)
€5,000 – €15,000
Special equipment/accessories are covered under Vollkasko up to EUR 5,000 (Kompakt), EUR 10,000 (Komfort) or EUR 15,000 (Premium).
Theft and robbery
Covered
Theft, robbery, unauthorised use and embezzlement of the vehicle are covered as standard Teilkasko (base) perils; NÜRNBERGER's product overview states Teilkasko protects against these financial consequences. The KH215 benefits comparison does not show a separate sub-limit for this peril since it forms part of baseline Teilkasko protection common to all tiers.
Glass damage
Covered
Glass damage (windscreen, side/rear windows) that is repaired is covered without a deductible in all three tiers under Teilkasko; this waiver does not apply to full pane replacement.
Natural hazards (avalanche, earthquake, landslide, sinkhole, volcanic eruption)
Conditional
Roof-avalanche damage (Dachlawinen) is covered in all three tiers. Earthquake and landslide damage is covered from the Komfort tier upward. Sinkhole (Erdfall) and volcanic eruption are covered only in the Premium tier.
Vandalism / malicious acts
Covered
Vollkasko covers damage from malicious or wanton acts (vandalism); the optional Werkstatt Plus repair-network service explicitly applies to damage from accidents and vandalism (Vandalismus) across Kompakt, Komfort and Premium.
Roadside assistance (Schutzbrief)
Optional
A Europe-wide breakdown/accident/theft assistance package (Schutzbrief) can be added as an optional rider in all three tiers.
Replacement vehicle during repair
€200
Only in Premium
A replacement vehicle during repair is only available in the Premium tier, up to EUR 40/day and a maximum of EUR 200; it cannot be purchased in Kompakt or Komfort.
Driver protection (Fahrerschutz)
Optional
Only in Komfort, Premium
Fahrerschutz (salary and cost reimbursement for the driver after an accident) can be added as an optional rider in Komfort and Premium; it is not available in Kompakt.
Key conditions
Driver age and experience limit
The reviewed product materials do not state a fixed minimum driver age or experience requirement for casco cover; NÜRNBERGER separately offers an optional 'Schutz für Begleitetes Fahren ab 17' add-on with premium benefits for supervised/accompanied driving from age 17.
Repair network requirements
Policyholders may generally choose their repair workshop freely. Optionally, 'Werkstatt Plus' routes repairs to NÜRNBERGER's partner network (manufacturer specifications, original parts, pickup/drop-off service) in exchange for a premium discount; 'Werkstatt Service' offers a similar all-inclusive claims package with a noticeable premium saving.
Territorial scope
Casco cover generally applies within the same European/EU geographic scope as the rest of the policy. The Mallorca-Police (accidents with rental cars in European countries abroad) is included in all three tiers, and Auslandsschadenschutz (claims handled under German law in 26 European states) is included from Komfort upward.
Anti-theft requirements
Not specified in the reviewed product materials; no explicit immobiliser or security-device requirement is stated on the official product pages or in the KH215 benefits comparison.
Claim notification deadline
No specific notification deadline in days is stated in the reviewed materials; NÜRNBERGER/GARANTA highlights fast claims processing, paying casco claims within 3 working days once all required documents are submitted.
Deductible rules
Deductibles vary by benefit and tier: Parkschadendeckung (Premium only) applies a EUR 50 deductible up to a EUR 200 maximum, once per calendar year; glass damage that is repaired (not replaced) is deductible-free in all tiers; other deductibles are set individually per policy (Versicherungsschein).
Documents
Autoversicherung Kompakt, Komfort and Premium – benefits comparison
Table of benefits
Policy specifics
Claim payment within 3 working days
Nürnberger/Garanta pays comprehensive motor insurance claims within 3 working days once all documentation is received
SourceWorkshop Plus (Werkstatt Plus)
Optional service partner network where repairs are performed according to manufacturer specifications with original replacement parts
SourceRabattSchutz (Discount Protection)
One claim per calendar year is free - policyholder remains in their current damage-free discount class without downgrade
SourcePurchase price replacement for new vehicles
Comprehensive coverage replaces full purchase price (including registration and transfer costs up to 1,000 EUR) if vehicle is total loss within 12-36 months of first registration
SourceGlass damage without deductible
Partial coverage includes repair of glass damage (windscreen, windows) without deductible; does not apply to replacement of entire glass pane
SourceCollision with wild animals and all animal bites
Partial coverage includes collision with wild game (deer, boar, etc.) under Federal Hunting Act, horses, cattle, sheep, goats, and all animal bites including those from domestic animals
SourceWaiver of gross negligence objection
Insurer waives right to deny coverage for gross negligence in specific circumstances; exceptions apply
SourceVehicle valuation for partial coverage
In partial coverage total loss, compensation based on replacement value (Wiederbeschaffungswert) minus residual value; for used cars, 15% surcharge on replacement value applies
SourceShort-circuit damage coverage
Partial coverage includes damage from electrical short circuits in vehicle wiring (separate from fire coverage)
SourcePre-approval requirement for repairs
Insured must obtain written approval from Nürnberger before beginning repairs; contact to claims center mandatory prior to repair
Source