HDI Versicherung AG

Driver age and experience limit

The Fahrzeugversicherung itself sets no minimum driver age, but the premium depends on the age of the youngest and oldest driver; the optional Fahrer-Schutz rider only covers drivers who have completed their 23rd year of age.

Repair network requirements

A repair-network commitment is optional (HDI Werkstatt-Service). If chosen and the vehicle is not repaired at a partner workshop, an extra deductible of 15% of the claim payment (minimum 100 EUR) applies.

Territorial scope

Coverage applies within the geographical borders of Europe and the non-European territories belonging to the scope of the European Union.

Anti-theft requirements

If the stolen vehicle could have been fitted with an HDI-recognised immobiliser but was not, the total-loss compensation is reduced by 10%, unless otherwise agreed.

Claim notification deadline

Any claim event must be reported to HDI within one week. Theft of the vehicle or insured parts must be reported immediately in text form, and theft, fire, vandalism or animal-collision damage exceeding 200 EUR must also be reported to the police without delay.

Deductible rules

An agreed deductible is deducted from the compensation for every claim event. No deductible applies to glass-breakage claims if the glass is professionally repaired rather than replaced. If HDI Werkstatt-Service applies and repair is not carried out at a partner workshop, an additional deductible of 15% of the claim (minimum 100 EUR) applies.

Workshop network binding (Werkstattbindung)

Optional condition where policyholder commits to repair Kasko damage at HDI partner workshops to reduce premium

Separate deductibles for Partial and Full Comprehensive

HDI allows different deductible levels for partial comprehensive and full comprehensive coverage sections

Rental car benefit (optional)

Optional benefit providing rental car assistance or mobility allowance after Kasko claims

Kasko-Service with direct repair handling

HDI Kasko-Service arranges direct repair at certified partner workshops without policyholder involvement

Gross negligence extension (grobe Fahrlässigkeit)

Extended coverage for damages caused by gross negligence of policyholder, mandatory in EU Kasko variants

Indirect lightning damage (indirekter Blitzschlag)

Premium-free coverage for indirect lightning damage on combustion and hybrid vehicles

HDI Werkstatt-Service (workshop network binding)

Not established from the insurer's documents

Optional Leistungsbaustein for cars and vans in the Fahrzeugversicherung: the policyholder agrees to have Kasko damage repaired at an HDI partner workshop. HDI arranges and pays for transport of the vehicle to the workshop and, after repair, back to the policyholder's German address.

Waiver of the gross-negligence defence

Not established from the insurer's documents

In the Fahrzeugversicherung, HDI waives its right to reduce or refuse payment on the grounds that the policyholder caused the damage through gross negligence.

Extended new-value compensation under Motor Premium

Not established from the insurer's documents

Under the base Motor Komfort line, new-value or purchase-price compensation for total loss/theft applies only within 12 months of first registration/purchase. The Motor Premium line extends this period to 36 months.

Kleinflotte (small fleet) product variant

Not established from the insurer's documents

In the Firmentarif, a Kleinflotte variant with extended terms (e.g. higher mitversicherte-Teile threshold of 50,000 EUR, repairs up to 3,000 EUR without prior HDI instruction) is available, provided the policyholder insures at least two qualifying commercial vehicles with HDI.

Claims reporting requirements

Policyholder must report Kasko claims within defined timeframe, typically without undue delay

Glass breakage coverage

Kasko typically covers windshield and glass damage; rental car benefit excludes glass-only claims

No claims bonus (Schadenfreiheitsrabatt) impact

Kasko claims typically reduce no-claims bonus class; optional waiver to maintain class after minor damage

Repair authorization and OEM parts requirement

HDI Kasko service requires rapid repair authorization; parts sourcing follows OEM standards at partner workshops

Repair authorisation and cost documentation

Not established from the insurer's documents

Before starting repair or disposal of the damaged vehicle, the policyholder must, where circumstances allow, obtain HDI's instructions; without a repair invoice, reimbursement is limited to the standard hourly labour rates of a suitable regional workshop nominated by HDI.