HUK-COBURG

driver_age_experience_limit

No explicit minimum driver age restriction is stated in the AKB for the casco coverage. Driver age and the composition of the driver group (e.g. drivers under 25) are tariff features that influence the premium calculation, but they do not restrict coverage entitlement under the policy conditions.

repair_network_requirements

Under the standard casco (Classic without SELECT), the policyholder may freely choose any suitable workshop. Under Kasko SELECT, the policyholder must contact HUK-COBURG before any repair and allow HUK-COBURG to select and commission the workshop from its own network. Only claims in Germany are subject to Kasko SELECT conditions. Non-compliance reduces the insurer's obligation by at most 15%. In return, HUK-COBURG provides 6 years guarantee on repairs (worldwide from date of handover).

territorial_scope

Casco coverage applies within the geographical borders of Europe and in non-European territories belonging to the EU. No coverage in Russia and Belarus (AKB 01.01.2026). Third-party liability also extends to countries listed on the Green Card where country names are not crossed out.

anti_theft_requirements

No general anti-theft device requirement is stated in the AKB as a condition for theft coverage. However, if the policyholder enables theft of the vehicle or its insured parts (e.g. leaving keys in an unattended vehicle), the gross-negligence waiver does not apply and the insurer may reduce its payment proportionally to the degree of fault.

claim_notification_deadline

The policyholder must report any claim to HUK-COBURG within one week (verbally or by phone is sufficient for most claims; written notice required for theft). For theft, fire or animal collision claims exceeding €1,000, the incident must be reported to the police immediately. HUK-COBURG pays the determined amount within two weeks of establishing its obligation and the level of payment. For theft, payment is made at the earliest one month after the claim is reported.

deductible_rules

The deductible (Selbstbeteiligung) is individually agreed and noted in the policy certificate. Common options include €150 (partial kasko) and €500 (comprehensive kasko). The deductible is applied to each claim event. Exception: if a glass breakage is repaired (not replaced) and the workshop is pre-agreed with HUK-COBURG, no deductible applies. For Kasko PLUS own-damage claims, a fixed deductible of €500 per claim applies in addition to any casco deductible.

Battery/drive battery damage for electric and hybrid vehicles

Comprehensive coverage extends to damage of drive battery (Antriebs-Akku) in electric and hybrid vehicles

Isolation and storage costs for damaged batteries

Comprehensive coverage includes costs for isolation (e.g. high-voltage container) and storage of damaged electric or hybrid vehicle batteries

Waiver of objection to gross negligence

HUK-COBURG Comprehensive typically covers gross negligence in most cases without objection

Kasko SELECT - workshop binding discount

Optional rate variant with 20% discount on comprehensive/partial kasko premium when insurer selects repair workshop in Germany

New vehicle replacement value compensation

For comprehensive coverage, new vehicles receive replacement cost compensation instead of used value

GAP cover (Differenzkasko) for leased or financed vehicles

In the event of total loss or theft of a leased or financed Pkw, Vollkasko automatically covers the gap between the agreed maximum indemnity and the outstanding discounted balance from the leasing or credit contract. Not covered: overdue instalments, unrepaired prior damage, excess mileage. Insurer offsets third-party liability payments. Exclusively claiming GAP cover does not lead to a downgrade of the no-claims class.

Private charging equipment for EV/hybrid (Ladeausrüstung)

From AKB 01.01.2026 onward, the casco also covers the private charging equipment of the insured EV or hybrid: fixed wallboxes, induction plates, mobile chargers, charging cables and charging cards. Coverage is capped at €5,000 per claim. Requirements: the policyholder owns the equipment and no other insurance covers it (except for charging cables and cards, which are covered without this restriction).

Self-deductible (Selbstbeteiligung) levels

Comprehensive coverage allows flexible self-deductible selection to reduce premium

Damage-free classification impact on comprehensive premium

Unlike partial kasko, comprehensive kasko uses damage-free classification (SF-class) similar to liability insurance affecting premium

GAP coverage for leased vehicles

Comprehensive coverage automatically includes GAP (gap insurance/difference coverage) for leased vehicles at no extra cost

Non-downgrade protection for claims

For leased vehicles, if only GAP coverage is claimed, comprehensive kasko classification is not downgraded

Vehicle type coverage (combustion, hybrid, electric)

Comprehensive coverage available for all vehicle types: traditional combustion, hybrid, and fully electric vehicles