Extracted from source documents

NÜRNBERGER Casco (own-damage car insurance) (Autoversicherung Kasko)

Underwritten by GARANTA Versicherungs-AG · Germany

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

Last verified Aug 28, 2026Sources

Online purchase24/7 helpline

Get a quote from NÜRNBERGER Compare Casco (own-damage car insurance) insurers in Germany

Key facts

NÜRNBERGER

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

Covered

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).

Covered

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.

Page Seite 2 von 3

Section: Vollkasko

Kaufpreisersatz für Neuwagen bei Totalschaden, Zerstörung oder Verlust bis 12 Monate nach Erstzulassung, inkl. Zulassungs- und Überführungskosten bis 1.000 EUR

Covered

Partial damage repair costs (Teilschaden)

Covered

No limit stated

Partial damage to the insured vehicle is covered under Vollkasko up to the actual cost of repair, with no separate sub-limit. Special equipment/accessories are covered separately up to EUR 5,000 (Kompakt), EUR 10,000 (Komfort) or EUR 15,000 (Premium).

Page Seite 2 von 3

Section: Vollkasko

Ersatz der Sonderausstattung bis 5.000 EUR bis 10.000 EUR bis 15.000 EUR

Covered

Theft and robbery

Covered

Theft, robbery, unauthorised use and embezzlement of the vehicle are covered under Teilkasko in all three tiers.

Source no longer reachable

Covered

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.

Page Seite 2 von 3

Section: Teilkasko

Keine Selbstbeteiligung, wenn Glasschäden repariert werden (gilt nicht für Scheibenaustausch)

Conditional

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.

Page Seite 1 von 3

Section: Teilkasko

Schäden durch Dachlawinen

Covered

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.

Section: Häufige Fragen

Die Vollkasko deckt Schäden am eigenen Fahrzeug, die der Fahrer bzw. Halter selbst verursacht oder zu verantworten hat. Zusätzlich springt die Vollkasko ein, wenn Unbekannte mutwillig Ihr Fahrzeug beschädigen (Vandalismus).

Optional

Roadside assistance (Schutzbrief)

Optional

A Europe-wide breakdown/accident/theft assistance package (Schutzbrief) can be added as an optional rider in all three tiers.

Page Seite 2 von 3

Section: Ergänzen Sie Ihren Schutz

Schutzbrief: europaweite Hilfe bei Panne, Unfall oder Diebstahl

Conditional

Replacement vehicle during repair

€200

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.

Page Seite 2 von 3

Section: Vollkasko

Ersatzwagen bei Reparatur ⊖ ⊖ bis zu 40 EUR/Tag, max. 200 EUR

Optional · Komfort, Premium

Driver protection (Fahrerschutz)

Optional

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.

Page Seite 2 von 3

Section: Ergänzen Sie Ihren Schutz

Fahrerschutz: Gehalts- und Kostenerstattung nach einem Unfall ⊖ ○ ○

Key conditions

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.

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).

Territorial scope

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.

Documents

Autoversicherung Kompakt, Komfort and Premium – benefits comparison (opens in a new tab)

Table of benefits · PDF

Policy specifics

Claim payment within 3 working days

Nürnberger/Garanta pays comprehensive motor insurance claims within 3 working days once all documentation is received

Source

Section: 6 Vorteile der NÜRNBERGER Autoversicherung

Schnelle Regulierung der Kasko-Schäden: Wir bezahlen innerhalb von 3 Werktagen, sobald uns alle Unterlagen vorliegen

Workshop Plus (Werkstatt Plus)

Optional service partner network where repairs are performed according to manufacturer specifications with original replacement parts

Source

Section: 6 Vorteile der NÜRNBERGER Autoversicherung

Werkstatt Plus: Servicepartner der NÜRNBERGER reparieren nach Herstellervorgaben mit Originalersatzteilen

RabattSchutz (Discount Protection)

One claim per calendar year is free - policyholder remains in their current damage-free discount class without downgrade

Source

Section: 6 Vorteile der NÜRNBERGER Autoversicherung

Rabattschutz: 1 Schaden pro Jahr ist "frei" - d. h. Sie bleiben in Ihrer Schadenfreiheitsklasse (SF)

Purchase 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

SourcePage Seite 2 von 3

Section: Vollkasko

Kaufpreisersatz für Neuwagen bei Totalschaden, Zerstörung oder Verlust bis 12 Monate nach Erstzulassung, inkl. Zulassungs- und Überführungskosten bis 1.000 EUR

Glass damage without deductible

Partial coverage includes repair of glass damage (windscreen, windows) without deductible; does not apply to replacement of entire glass pane

Source

Collision with wild animals and all animal bites

Teilkasko covers collisions with all animals and all animal bites in every tier (Kompakt, Komfort, Premium).

Source

Section: Häufige Fragen

Außerdem leistet unsere Teilkasko bei Zusammenstoß mit allen Tieren sowie bei jeglichen Tierbissen.

Waiver of gross negligence objection

Insurer waives right to deny coverage for gross negligence in specific circumstances; exceptions apply

SourcePage 1

Section: Teilkasko

Grobe Fahrlässigkeit* […] Ausgenommen bei Entwendung durch unzureichende Sicherung und bei Fahrten unter Einfluss berauschender Mittel. Ersatz je nach Schwere des Verschuldens.

Vehicle valuation for total loss (Vollkasko)

Under Vollkasko, a used car that is a total loss, destroyed or stolen within 12 (Kompakt), 24 (Komfort) or 36 (Premium) months of registration is compensated at replacement value plus 15%.

SourcePage Seite 2 von 3

Section: Vollkasko

Kaufwertentschädigung für Gebrauchtwagen bei Totalschaden, Zerstörung oder Verlust Wiederbeschaffungswert plus 15 %

Short-circuit damage coverage

Partial coverage includes damage from electrical short circuits in vehicle wiring (separate from fire coverage)

Source

Section: Häufige Fragen

Wir zahlen auch, wenn der Schaden durch grobe Fahrlässigkeit oder einen Kurzschluss an der Verkabelung entstanden ist.

Pre-approval requirement for repairs

Insured must obtain written approval from Nürnberger before beginning repairs; contact to claims center mandatory prior to repair

Source

Section: FAQ - die häufigsten Fragen. > Kaskoschaden

Bitte setzen Sie sich unbedingt VOR Reparaturbeginn mit den Mitarbeitern des Team GARANTA Leistungs-Centers in Verbindung um abzuklären, ob der Versicherungsfall gedeckt bzw. eine Besichtigung notwendig ist.

Sources

NÜRNBERGER Casco (own-damage car insurance)

Get a quote from NÜRNBERGER Compare Casco (own-damage car insurance) insurers in Germany

Get a quote from NÜRNBERGER