Generali

driver_age_experience_limit

No minimum driver age is specified in the casco policy terms (AKB). The policy does not restrict coverage based on driver age. However, the first classification for new policies starts at SF class 0 (no claims history) or SF class 1/2 (if specific conditions met). A special rule for driving license holders allows upgrading from SF 0 to a higher class after 3 years of license ownership if the policy has been claim-free.

repair_network_requirements

Under WerkstattservicePLUS (workshop binding, agreed at contract inception): Generali selects the repair workshop from its partner network. If the policyholder independently selects a workshop without prior contact to Generali, reimbursement is reduced to 85% of the calculated repair costs. Additional services (transport to/from workshop, replacement vehicle, interior/exterior cleaning, free return transport within 50 km) are forfeited if the policyholder's own workshop is used. Workshop binding does not apply when: total loss is determined, or the loss occurred outside Germany and repair is not performed in Germany. Without workshop binding, the policyholder may freely choose any workshop.

territorial_scope

Coverage applies within the geographical borders of Europe as well as non-European territories belonging to the European Union's area of application (per AKB A.2.4). This includes all EU member states and their overseas territories within the EU's jurisdiction.

anti_theft_requirements

For PKW, taxis, rental cars, self-drive hire vehicles, and camping vehicles: if the vehicle was not equipped with a self-arming electronic immobilizer at the time of theft, indemnification for destruction or loss due to theft is reduced by 10%. The deductible rules remain unaffected by this reduction.

claim_notification_deadline

General obligation: every loss event must be reported to Generali within one week (E.1.1.1). For vehicle theft or theft of insured parts: immediate written notification required (deviating from general rule, per E.1.3.1). Police report required if theft loss, fire loss, or loss from animal collision exceeds EUR 500 (E.1.3.3). Before beginning repair or disposal of the vehicle: Generali's instructions must be obtained where circumstances permit (E.1.3.2). For theft, robbery, arson, explosion and wildlife collision losses: immediate police notification is required. Failure to comply with notification duties may lead to reduction or denial of coverage.

deductible_rules

If a deductible is agreed, it is deducted separately for each insured vehicle and each loss event (AKB A.2.5.9.1). Exception: if glass damage is remedied by repair (not replacement), repair costs are reimbursed without applying the deductible (A.2.5.9.2). Under Vollkasko Premium, the deductible does not apply to mobile navigation devices (A.2.5.9.4). For Schutzbrief (roadside assistance) claims within the casco policy, no deductible applies (A.2.5.9.3). The amount of the deductible is specified in the insurance certificate; typical range is EUR 150 to EUR 1,000 depending on vehicle and tariff selection.

Workshop service network

Insurer selects repair workshop from approved network; may require authorization before repairs begin

Smart Repair procedure

Special repair procedure for minor damage (scratches, dents) using cost-efficient methods

Vollkasko Premium coverage tier

Enhanced comprehensive coverage including theft embezzlement, value depreciation compensation (24 months), and mobile device coverage (up to €300)

New purchase price compensation

For total loss of vehicles max. 4 years old (36 months of first registration): insurer pays original purchase price or equivalent new vehicle price instead of depreciated value

Roadside assistance services

Optional Kasko Plus module providing breakdown assistance, emergency medical aid, rental car coverage (max 7 days, €70/day or 30 days for theft at €70/day)

Repair approval requirement

Policyholder must obtain insurer approval before commencing repairs; insurer retains right to select repair workshop

Standard deductible (self-participation)

Policyholder bears first portion of each claim; standard deductible applies to vollkasko claims except Schutzbrief services

Duty to mitigate damage

Policyholder must take reasonable steps to prevent or reduce damage; e.g., covering broken windows to prevent water infiltration

Claim notification deadline

For theft, robbery, embezzlement, arson, explosion, and wildlife damage: police notification must occur immediately (without delay); claims must be reported to insurer without undue delay