Generali Casco (own-damage car insurance) (Kfz Kasko Optimal)
Underwritten by Generali Deutschland Versicherung AG · Germany
casco (own-damage car insurance) from Generali for the Germany market, with online purchase and 24/7 assistance.
Verified Aug 27, 2026 · Terms dated 2021-04-01Sources
Unique selling points
Comprehensive own-damage cover (Eigenschaden) between insured private vehicles or against the policyholder's own buildings up to EUR 100,000 per calendar year.
No betterment deduction ('Abzug neu für alt') on repairs for Pkw in OPTIMAL and other private vehicles, unlike many standard motor policies.
An automatic Leistungsupdate-Garantie passes on any future benefit improvements to existing OPTIMAL policyholders at no extra cost.
The Mallorca-Policy extends liability cover to temporarily rented replacement vehicles across Europe, not just within Germany.
Since July 2025, an optional Beitragsschutz add-on locks in the premium as long as the same vehicle stays insured, alongside a Werkstattservice offering a 15% discount on the casco premium.
Coverage limits
Own Damage Coverage
Covered
Covers damage, destruction, total loss or loss of the insured vehicle via Teilkasko and/or Vollkasko events. Compensation is capped at the vehicle's new list price (Neupreis), not a fixed pre-set sum insured.
Total Loss / Destruction Compensation
Covered
Pays the replacement value (Wiederbeschaffungswert) minus residual value. For Pkw OPTIMAL, if a total loss occurs within 36 months of first registration, the full new price (Neupreis) is paid instead (A.2.5.1.3). For used vehicles first registered to the policyholder at up to 48 months old, the proven purchase price is paid if total loss occurs within 36 months of that registration (A.2.5.1.5).
Repair / Partial Damage Coverage
Covered
Reimburses repair costs up to the replacement value if the vehicle is fully and properly repaired, or up to replacement value minus residual value otherwise. No betterment deduction ('Abzug neu für alt') applies for Pkw in OPTIMAL and other private vehicles (A.2.5.2.1, A.2.5.2.4).
Theft / Robbery
Covered
Covers theft, robbery, robbery-induced surrender and, under conditions, unauthorised use and embezzlement (A.2.2.1.2). For Pkw OPTIMAL and other private vehicles, fuel theft via tank/cap damage is also covered with a flat EUR 50 fuel reimbursement. A 10% reduction of the payout applies if the vehicle lacked a self-arming electronic immobiliser at the time of theft (A.2.5.1.9).
Glass Breakage
Covered
Covers breakage damage to vehicle glazing (windscreen, rear, roof and side windows, mirror glass and light covers) regardless of cause, plus up to EUR 200 for environmental badges/toll vignettes when the windscreen is replaced. For Pkw OPTIMAL and other vehicle types this also includes interior cleaning, light-bulb replacement and necessary recalibration after windscreen replacement. The deductible is waived if the glass is repaired rather than replaced via an insurer-arranged glazier (A.2.2.1.5).
Section: A.2.2 Welche Ereignisse sind versichert? > A.2.2.1 Welche Ereignisse sind in der Teilkaskoversicherung versichert? > Glasbruch
Ist ein Austausch der Frontscheibe erforderlich, ersetzen wir auch die Kosten für Umweltplaketten und Autobahnvignetten bis zu einer Höhe von insgesamt 200 EUR.
Natural Hazards
Covered
Covers direct impact of storm, hail, lightning strike and flooding. For Pkw OPTIMAL and other vehicle types, cover is extended to avalanches, roof avalanches, snow pressure, landslide, mudslide, earthquake and ground subsidence (A.2.2.1.3).
Vandalism / Malicious Acts
Conditional
Covers malicious or mischievous acts committed by persons not authorised to use the vehicle. This event is part of the Vollkasko (comprehensive) component only and is not included under Teilkasko (A.2.2.2.3).
Roadside Assistance (KASKO PLUS Schutzbrief)
€300
KASKO PLUS roadside-assistance cover is included by default (opt-out) for Pkw OPTIMAL, providing on-site breakdown/accident assistance up to EUR 300, towing up to EUR 300, vehicle recovery, and misfuelling assistance up to EUR 2,000. No deductible applies to these services (A.3.5, A.2.5.10.3).
Replacement / Rental Vehicle
€490
Under KASKO PLUS, rental car costs are covered up to EUR 70/day for a maximum of one month after theft, up to EUR 490 total after a total loss, and up to seven days (EUR 70/day) while the vehicle is repaired, whether Generali- or self-organised; abroad the cap is EUR 490 total (A.3.6.3).
Driver Accident Coverage (FAHRER PLUS)
Covered
FAHRER PLUS is included by default (opt-out) for Pkw OPTIMAL and compensates actual personal-injury damages (e.g. lost earnings, survivor's pension, pain and suffering) for the driver and passengers, up to the vehicle's contracted Kfz-Haftpflicht bodily-injury limits, rather than a fixed pre-set sum insured (A.5).
Key conditions
Driver age and experience limit
The AKB do not set a fixed minimum driver age or experience requirement; instead, the identity and age of the vehicle user/driver are premium rating factors that must be disclosed and kept updated (K.2, K.4).
Repair network requirements
Insurer-managed repair (Werkstattbindung) is optional against a premium discount; Generali then selects the workshop and reimburses only 85% of assessed compensation if repaired elsewhere without prior contact. Independently, Pkw OPTIMAL customers can use Generali's Werkstattmanagement network for free vehicle transport, a replacement car and cleaning, except for pure glass claims, parts theft, or claims under EUR 500 (A.2.5.3, A.2.5.4).
Anti-theft requirements
If the vehicle lacked a self-arming electronic immobiliser at the time of theft, the compensation is reduced by 10% (A.2.5.1.9).
Claim notification deadline
Any claim event must generally be reported within one week (E.1.1.1); vehicle theft must be reported immediately in signed text form (E.1.3.1); theft, fire, or animal-collision damage exceeding EUR 500 must also be reported to the police without delay (E.1.3.3).
Deductible rules
The deductible is stated in the policy schedule (Versicherungsschein) and applies per insured vehicle and per claim event (A.2.5.10.1); it is waived for glass damage repaired (not replaced) via an insurer-arranged glazier, applies at a minimum of EUR 150 for 'Eigenschaden' claims, and does not apply to KASKO PLUS assistance services (A.2.5.10.3).
Direct payment
If the policyholder agrees to insurer-managed repair (Werkstattbindung) or uses Generali's Werkstattmanagement network, Generali arranges and coordinates the repair directly with the workshop and covers vehicle transport, a replacement car and cleaning; if the customer repairs elsewhere without prior contact, only 85% of the assessed compensation is reimbursed to the customer.
Territorial scope
Coverage applies within the geographic borders of Europe and the non-European territories that belong to the scope of the European Union.
Documents
General Terms and Conditions for Motor Insurance (AKB, as of 01.04.2021) (opens in a new tab)
Terms & conditions · PDF
Product description / benefits comparison table (Pkw OPTIMAL vs. other vehicle types) (opens in a new tab)
Table of benefits · PDF
Customer Information (Kundeninformation) (opens in a new tab)
Other document · PDF
Policy specifics
Partial Casco Coverage
Covers specific external risks including theft, natural disasters, glass damage, and animal collisions, but excludes self-inflicted damage
SourceFull Casco Coverage
Includes all partial casco coverage plus additional protection for self-inflicted accidents and third-party damage regardless of fault
SourceNew Value Clause
Compensation at new purchase price for vehicles up to 6 months old in case of total loss or destruction
SourceGAP Coverage
Covers the difference between insurance payout and outstanding loan/lease balance in case of total loss
SourceSmall Glass Coverage
Coverage for damage to small glass components including headlights, indicators, fog lights, and mirrors
SourceSpecial Equipment Coverage
Named factory-fitted or securely stored special equipment and accessories are co-insured without premium surcharge up to their full replacement value for Pkw in OPTIMAL (limited to EUR 3,000 total in the discontinued BASIS variant); certain non-standard extras (e.g. power upgrades, custom paintwork) are only co-insured up to EUR 3,000 unless specifically agreed (A.2.1.2.1–A.2.1.2.3).
SourceNew Price Compensation for New Vehicles
If a total loss, destruction, or theft occurs within 36 months of first registration (Pkw OPTIMAL and other private vehicles), Generali pays the new list price instead of the market replacement value; the same applies to repairs if costs reach at least 80% of the new price within this period (A.2.5.1.3).
SourcePurchase Price Compensation for Used Vehicles
For Pkw OPTIMAL and other private vehicles that were at most 48 months old when first registered to the policyholder, Generali pays the proven purchase price (capped at the replacement value at first registration) if a total loss occurs within 36 months of that registration (A.2.5.1.5).
SourceReplacement Vehicle Option (KASKO PLUS)
Included via the default (opt-out) KASKO PLUS Schutzbrief: up to EUR 70/day for a maximum of one month after theft, up to EUR 490 total after a total loss, and up to seven days (EUR 70/day) while the vehicle is being repaired, whether insurer- or self-organised; abroad, up to EUR 490 total; one-way drop-off fees are reimbursed up to EUR 1,000 (A.3.6.3).
SourceWorkshop Network Service
Optional Werkstattbindung: in exchange for a premium discount, Generali selects the workshop; repairing elsewhere without prior contact reduces compensation to 85%.
SourceClause A.2.5.3.3Page 15Section: A.2.5 Was zahlen wir im Schadenfall? > A.2.5.3 Besonderheiten bei Werkstattbindung im Rahmen von BASIS und OPTIMAL > A.2.5.3.3 Wenn Sie die Werkstatt selber wählen wollen
Wir übernehmen nur 85 Prozent der nach A.2.5.2 und A.2.5.8 berechneten Ersatzleistung, wenn Sie vor der Reparaturvergabe keinen Kontakt mit uns aufnehmen und wir deshalb die Werkstatt nicht auswählen können und die Reparatur in einer anderen Werkstatt durchgeführt wird.
Deductible Options
Multiple deductible levels available ranging from EUR 375 to EUR 2,000 for rental vehicle option; also standard deductibles for regular coverage
SourceRental Vehicle Option
Covers costs for rented replacement vehicle during repair period; deductible applies
SourceGross Negligence Coverage Option
Optional coverage for damages caused by gross negligence; only available in combination with full casco variant
SourceSources
- eu-assets.contentstack.comhttps://eu-assets.contentstack.com/v3/assets/bltcba55c71291ad2c3/blt24f5f66dffdc5240/67e69f3b47f11d93c51e80ba/Produktblatt_Generali_Kfz_Kasko_EV_SAP_26554_03_2025.pdf(opens in a new tab)
- produktcd.generali.dehttps://produktcd.generali.de/2021-10/content/k-940-data.pdf#page=13(opens in a new tab)
- produktcd.generali.dehttps://produktcd.generali.de/2021-10/content/k-940-data.pdf#page=15(opens in a new tab)
- produktcd.generali.dehttps://produktcd.generali.de/2021-10/content/k-940-data.pdf#page=75(opens in a new tab)
Generali Casco (own-damage car insurance)