HUK-COBURG Haftpflicht-Unterstützungs-Kasse kraftfahrender Beamter Deutschlands a. G.
HUK-COBURG
HUK-COBURG is a motor casco insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
Standard Kasko claims are reimbursed to the policyholder after repair (on proof of invoice) or paid out based on the Wiederbeschaffungswert; under the optional Kasko SELECT variant, HUK commissions and pays its partner workshop directly, so the policyholder has no out-of-pocket cost for repairs carried out there.
Geographic scope
Europe and non-European territories belonging to the European Union
Coverage applies within the geographical borders of Europe and the non-European territories of the EU; Russia and Belarus are explicitly excluded (A.2.5).
Unique selling points
- 6-year worldwide repair warranty on all repairs carried out under the Kasko SELECT partner workshop network.
- Broad waiver of the gross-negligence defense, with only alcohol/drug-related causation and enabling theft carved out.
- Deductible is waived when a cracked windscreen is repaired instead of replaced at a workshop coordinated with HUK.
- No stated monetary cap on drive-battery (Antriebs-Akku) damage cover for EVs/hybrids, including isolated storage costs if fire risk arises.
- Covers private EV charging equipment (wallbox, induction plate, mobile chargers, cables and cards) alongside the vehicle.
Coverage limits
Own Damage Coverage (Kaskoschutz)
Covered
Only in Teilkasko, Vollkasko, Classic-Tarif, Basis-Tarif
Covers damage, destruction, total loss or loss of the insured vehicle and its permanently fitted components under Teilkasko and/or Vollkasko, depending on the tier purchased. Compensation follows the Wiederbeschaffungswert (replacement value) minus salvage value for total loss, or repair costs up to the Wiederbeschaffungswert for repairable damage. Maximum compensation is capped at the vehicle's Neupreis (new price) or, if the model is discontinued, its market value.
Total Loss / Destruction / Loss Compensation
Covered
Only in Teilkasko, Vollkasko, Classic-Tarif, Basis-Tarif
In case of total loss, destruction or loss of the vehicle, HUK pays the Wiederbeschaffungswert minus any salvage value. If this occurs within 24 months of first registration (Pkw, motorcycles, campers), the full new price (Neupreis) is paid instead, minus salvage value; this period is only 6 months under the Basis-Tarif and extends to 36 months with Kasko PLUS. For leased or financed vehicles, an integrated GAP cover (Differenzkasko) pays the gap between the agreed maximum indemnity and the outstanding discounted loan/lease balance, except in the Basis-Tarif where GAP cover is excluded.
Partial Damage / Repair Cost Coverage
Covered
Only in Teilkasko, Vollkasko
If the vehicle is damaged but not a total loss, HUK pays the necessary repair costs up to the Wiederbeschaffungswert when the vehicle is fully and properly repaired (proven by invoice); if not fully repaired, payment is limited to the Wiederbeschaffungswert minus salvage value. Costs of diagnosing a damaged drive battery or recalibrating replaced sensors are included as necessary repair costs. Towing costs to the nearest suitable repair or diagnostic workshop are also covered.
Theft, Robbery, Embezzlement, Extortion
Covered
Only in Teilkasko, Vollkasko
Covers theft, robbery, embezzlement of the vehicle, and surrender of the vehicle through extortion, including damage caused while stealing the vehicle, a part, or its contents (even attempted theft). Unauthorized use is covered only if the perpetrator had no relationship of trust to the vehicle at all.
Glass Breakage Coverage
Covered
Only in Teilkasko, Vollkasko
Covers breakage damage to the vehicle's glazing (front, rear, partition and side windows, glass roofs, mirrors, light covers, including glass/plastic parts of integrated driver-assistance systems and displays), including replacement of the light source if required. The deductible is waived if the policyholder has the damaged glass repaired rather than replaced, provided the workshop was agreed with HUK beforehand.
Natural Hazards Coverage
Covered
Only in Teilkasko, Vollkasko, Classic-Tarif, Basis-Tarif (Lawinen/Dachlawinen ausgeschlossen)
Covers direct impact on the vehicle from storm (wind force 7 / at least 50 km/h), hail, flooding, earthquake, ground subsidence, landslide, avalanches, roof avalanches and volcanic eruption, plus lightning strikes including surge damage (e.g. while charging an EV). Under the Basis-Tarif, damage from avalanches and roof avalanches is excluded.
Vandalism Coverage
Covered
Only in Vollkasko
Vollkasko additionally covers damage to the vehicle caused by malicious or wanton acts of persons who have no authorization whatsoever to use the vehicle (e.g. a hacker maliciously manipulating the vehicle's software). This peril is not included in Teilkasko.
Roadside Assistance
Optional
Only in Schutzbrief (separater Vertrag)
Not part of the Kasko cover itself, other than towing to the nearest suitable repair/diagnostic workshop after a covered damage event (A.2.6.2). Comprehensive roadside assistance (breakdown help regardless of cause, towing, rental car, overnight stays, etc.) is provided only by the separately contracted Schutzbrief (A.3), a legally independent policy purchased in addition.
Replacement Vehicle / Rental Car
Excluded
Explicitly excluded from Kasko cover: A.2.9 lists 'Kosten für die Anmietung eines Ersatzfahrzeugs' (rental vehicle costs) as a standard exclusion. A rental car service is available only through the separately contracted Schutzbrief (Mietwagen-Service, up to €80/day for max. 7 days), not through Kasko.
Driver Accident / Personal Injury Cover
Optional
Only in Fahrerschutz (separater Vertrag)
Not part of Kasko. Personal injury to the driver is covered only by the separately contracted, legally independent Fahrerschutz policy (A.4), which pays the driver's accident-related personal injury (loss of earnings, pain and suffering, care costs, maintenance payments, survivor's benefit) as if HUK were liable under Kfz-Haftpflichtversicherung, plus an additional hospital daily allowance.
Key conditions
Driver age and experience limit
The AKB does not specify a minimum driver age or driving-experience requirement for Kasko cover. An authorized driver is anyone who uses the vehicle with the knowledge and consent of the person entitled to dispose of it (D.1).
Repair network requirements
Under the standard Kasko, the policyholder is free to choose the repair workshop. If Kasko SELECT is agreed, the policyholder must let HUK select and commission a workshop from its partner network for claims in Germany; HUK then pays the workshop directly and provides a 6-year worldwide repair warranty. Not using HUK's chosen workshop under Kasko SELECT breaches a contractual duty and can reduce the claim payment by up to 15%.
Territorial scope
Coverage applies within the geographical borders of Europe and in the non-European territories belonging to the European Union. There is no coverage in Russia or Belarus.
Anti-theft requirements
The AKB does not prescribe specific anti-theft device requirements as a condition of cover. However, unauthorized use of the vehicle is only insured if the perpetrator had absolutely no authorization or relationship of trust with the person entitled to dispose of the vehicle; embezzlement is covered only in narrowly defined circumstances (A.2.2.2).
Claim notification deadline
A claim must be reported within one week; oral or telephone notification is sufficient, except if the vehicle or its co-insured parts have been stolen, in which case notification must be in text form (e.g. letter or e-mail) (E.1.1). Theft, fire, or collision-with-animal claims expected to exceed €1,000 must additionally be reported to the police without delay (E.3.3).
Deductible rules
If a deductible (Selbstbeteiligung) has been agreed, it is deducted from the compensation for every claim event; the specific amount is stated in the policyholder's Versicherungsschein. The deductible is waived for a windscreen/glass claim if the policyholder has the glass repaired (instead of replaced) at a workshop coordinated with HUK in advance.
Where to buy
Policy specifics
Kasko SELECT - Workshop Network Option
Optional feature allowing policyholders to save 20% on casco premiums by using HUK's DEKRA-certified partner workshop network for claims repairs
SourceKasko PLUS - Extended Coverage
Optional enhanced casco coverage bundle offering extended benefits such as extended new-value compensation (up to 36 months for new vehicles, purchase price for used vehicles) and property damage coverage for connected items
SourceNew Vehicle Price Compensation (Neupreisentschädigung)
In case of total loss, destruction, or theft of a new vehicle within first 24 months of purchase, HUK reimburses the original purchase price instead of depreciated market value
SourceBonus Protection (Rabattschutz)
Optional feature in Classic tariff that protects policyholder's no-claims discount (Schadensfreiheitsklasse) from being downgraded after a collision claim in casco or liability insurance
SourceMarten Damage Coverage
Partial casco coverage includes damage caused by marten bites to wiring and vehicle components; coverage includes both direct damage and consequential damages
SourceBattery Damage Coverage for Electric & Hybrid Vehicles
Casco insurance covers damage to the drive battery (Antriebs-Akku) of electric and hybrid vehicles with the same scope as other vehicle components
SourceGross Negligence Waiver
HUK waives its right to invoke gross negligence by the policyholder in causing the insured event, except where the event was caused by consumption of alcohol or other intoxicants, or where the policyholder enabled the theft of the vehicle or its co-insured parts; in those excepted cases HUK may reduce the payout in proportion to the degree of fault.
Source6-Year Worldwide Repair Warranty
For repairs carried out under Kasko SELECT, HUK grants a 6-year warranty valid worldwide from the vehicle's handover by the workshop after repair; statutory warranty rights are unaffected.
SourceGAP Coverage (Differenzkasko)
For leased or financed vehicles, GAP cover is co-insured in Kasko and pays, in addition to the standard total-loss compensation, the difference between the agreed maximum indemnity and the outstanding discounted balance of the lease/credit agreement, excluding overdue instalments, unrepaired prior damage, and any mileage overrun.
SourceDirect Settlement under Kasko SELECT
Under Kasko SELECT, HUK commissions and pays the partner workshop directly for the repair; outside Kasko SELECT (standard Kasko), the policyholder chooses the workshop and is reimbursed according to the general claims rules.
SourcePrivate Charging Equipment Cover
Kasko covers the policyholder's private charging equipment for an insured electric/hybrid vehicle — fixed wallboxes and induction charging plates, mobile chargers, and charging cables/cards — provided the policyholder owns the equipment and it is not covered elsewhere (e.g. under a buildings or contents policy); charging cables and cards are covered even without that ownership/no-other-cover condition. The current AKB states no monetary cap for this cover.
SourceDeductible (Selbstbeteiligung) Options
Policyholders can opt for various deductible amounts for both full and partial casco to reduce premiums; common ranges include EUR 150-500
SourceInsurer Eligibility Split by Legal Entity
The Kasko product is underwritten by one of two legal entities depending on the applicant: HUK-COBURG Haftpflicht-Unterstützungs-Kasse kraftfahrender Beamter Deutschlands a. G. insures only persons belonging to the public service within the meaning of its statutes; all other persons are insured through HUK-COBURG-Allgemeine Versicherung AG.
SourceDeductible Applies per Claim Event
If a deductible is agreed, it is deducted from the compensation for every claim event; the exact amount is individually agreed and shown in the Versicherungsschein rather than fixed by the AKB.
Source