GVV-Kommunalversicherung VVaG (Mutual Insurance Association)
GVV Kommunal
GVV Kommunal is a motor casco insurance for the Germany market with no online purchase and limited assistance availability.
Direct payment
GVV Kommunal verweist mehrfach auf ein deutschlandweites Werkstattnetz mit über 950 Partnern, über das Reparaturen abgewickelt werden können.
Geographic scope
Germany (municipalities, municipal enterprises and savings banks)
Coverage applies to journeys within the geographic borders of Europe.
Unique selling points
- No premium increase (no downgrading) after filing a claim, unlike standard market practice.
- No distinction between claim-free classes and regional classes when calculating premiums.
- New-price indemnification on total loss extends even to trucks (LKW), not just passenger cars.
- GAP protection covers the financing gap on leased vehicles in case of total loss.
- Nationwide workshop network of more than 950 partners supports claims handling.
Coverage limits
Own Damage Coverage
Covered
Casco is a pure property insurance that protects the policyholder against financial loss from damage to or loss of their own vehicles; it can be taken out as Teilkasko (partial) or Vollkasko (comprehensive), with Vollkasko automatically including all Teilkasko benefits.
Total Loss / New Price Indemnification
Covered
In the event of a total loss, GVV Kommunal indemnifies at new purchase price, including for trucks (LKW), rather than only the time-of-loss value.
Partial Loss (Teilkasko)
Covered
Teilkasko covers partial damage to the vehicle; choosing Vollkasko automatically includes all Teilkasko benefits plus additional protection.
Theft / Robbery
No limit stated
Sources describe the Teilkasko/Vollkasko structure but the specific peril list (including theft/robbery) for this municipal product was not accessible in the available sources.
Glass Damage
No limit stated
The specific peril list covering glass damage for this municipal casco product was not stated in the available sources.
Natural Perils
No limit stated
The specific peril list covering natural perils for this municipal casco product was not stated in the available sources.
Vandalism
No limit stated
The specific peril list covering vandalism for this municipal casco product was not stated in the available sources.
Roadside Assistance
No limit stated
No dedicated roadside-assistance benefit was stated for this product; a nationwide workshop network supports claims handling instead (see key conditions).
Replacement Vehicle
No limit stated
No replacement-vehicle benefit was stated for this product in the available sources.
Driver/Passenger Accident Cover
Optional
Driver and passenger accident protection is offered as a separate product, the Kfz-Unfallversicherung, described as a useful complement to the MTPL and Casco policies rather than part of Casco itself.
Key conditions
Driver age and experience limit
Not specified in the available sources for this product.
Repair network requirements
GVV Kommunal maintains a nationwide workshop network with over 950 partners supporting claims handling for the municipal fleet.
Territorial scope
Coverage for insured vehicles applies to journeys within the geographic borders of Europe, including damage occurring abroad within Europe.
Anti-theft requirements
Not specified in the available sources for this product.
Claim notification deadline
Not specified in the available sources for this product.
Deductible rules
Not specified in the available sources for this product.
Policy specifics
Fire/Rescue Vehicle Equipment Coverage
For fire brigade and rescue service vehicles, the equipment load specified under the applicable DIN standard is co-insured, provided the listed equipment is present in the vehicle.
SourcePremium Calculation Basis
For passenger cars: type class; for other vehicles: engine power or maximum permitted weight
SourceSources
- https://gvv-kommunal.de/ratgeber/infothek/artikel/hilfstransporte-versicherungsschutz-fuer-kraftfahrzeuge
- https://gvv-kommunal.de/versicherungen/fahrzeuge/kasko
- https://gvv-kommunal.de/versicherungen/fahrzeuge/kfz-haftpflicht
- https://gvv-kommunal.de/versicherungen/fahrzeuge/kfz-unfall
- https://www.gvv.de/gvv-kommunal/versicherungen/fahrzeuge/kasko/auf-einen-blick/