HUK24 AG
HUK24
HUK24 is a motor casco insurance for the Germany market with online purchase and limited assistance availability.
Direct payment
For standard Kasko claims, HUK24 reimburses the policyholder against invoice once the vehicle has been fully and professionally repaired. Under the optional Kasko SELECT variant, HUK24 itself commissions and pays the chosen partner workshop directly, so the policyholder does not need to advance the repair costs.
Geographic scope
Europe and non-European EU territories (excluding Russia and Belarus)
Coverage applies within the geographic borders of Europe and in non-European territories belonging to the EU; Russia and Belarus are explicitly excluded.
Unique selling points
- HUK24 markets its car insurance as an award-winning "Testsieger" (test winner) product.
- Kasko SELECT includes a 6-year, worldwide repair warranty on workshop repairs, valid from vehicle handover.
- Since the 07/2024 terms, HUK24 waives the policy excess for windscreen damage that is repaired rather than replaced.
- Kasko benefits are paid in full even in cases of gross negligence, except for alcohol/drug-impaired incidents or enabling theft.
- Vollkasko automatically covers the electric/hybrid drive battery up to €20,000, without a separate add-on charge.
Coverage limits
Own vehicle damage cover (Kasko)
Covered
Kasko covers damage, destruction, total loss or loss of the insured vehicle. Teilkasko covers events such as theft, natural hazards, glass breakage, animal collision and short-circuit; Vollkasko additionally covers accident damage and vandalism. Compensation is the Wiederbeschaffungswert (replacement value) less any residual value, capped overall at the vehicle's Neupreis (new price).
Total loss / destruction / theft-loss compensation
Covered
Only in Basis-Tarif, Classic-Tarif
On total loss, destruction or loss of the vehicle, HUK24 pays the Wiederbeschaffungswert less residual value. For cars, motorcycles (excl. light/small), quads and trikes, HUK24 pays the full new price instead if the loss occurs within 24 months of first registration (Classic-Tarif) or 6 months (Basis-Tarif).
Partial damage / repair cost compensation
Covered
Only in Basis-Tarif, Classic-Tarif
If the vehicle is fully and properly repaired (proven by invoice), HUK24 pays the required repair costs up to the Wiederbeschaffungswert. If the vehicle is not, not fully, or not properly repaired, HUK24 pays the required cost of a full repair up to the Wiederbeschaffungswert less residual value.
Theft, robbery, embezzlement cover
Covered
Only in Basis-Tarif, Classic-Tarif, Teilkasko
Teilkasko covers loss where the vehicle is stolen, robbed, embezzled, or its surrender is extorted, including damage caused while attempting theft (even if unsuccessful).
Glass breakage cover
Covered
Only in Basis-Tarif, Classic-Tarif, Teilkasko
Teilkasko covers breakage damage to the vehicle's glazing (windscreen, rear/side/partition windows, glass roofs, mirrors and light covers). Since the 07/2024 edition, HUK24 waives the policy excess for glass-breakage damage if the glass is professionally repaired rather than replaced and the workshop is agreed with HUK24 in advance.
Natural hazards cover
Covered
Only in Basis-Tarif, Classic-Tarif, Teilkasko
Teilkasko covers direct impact of natural hazards (storm, hail, flood, earthquake, subsidence, landslide, avalanche, roof avalanche since the 07/2024 edition, or volcanic eruption) and lightning strike, including objects thrown by these forces and surge damage from lightning. The Basis-Tarif excludes avalanche and roof-avalanche damage.
Vandalism cover
Conditional
Only in Vollkasko
Vollkasko covers damage to the vehicle from malicious or wanton acts by persons who have no authorisation whatsoever to use the vehicle (e.g. a hacker maliciously manipulating the vehicle's software). This cover is not part of Teilkasko.
Roadside assistance (Autoschutzbrief)
Optional
Roadside and breakdown assistance is not part of Kasko itself; it is provided under the separate, legally independent Autoschutzbrief (roadside-assistance) insurance, which can be added alongside Kasko and covers services such as on-site breakdown help, towing, rental car, overnight stays and return travel.
Replacement vehicle rental cost
Excluded
Kasko explicitly excludes the cost of renting a replacement vehicle following a claim.
Driver accident / personal injury cover (Fahrerschutz)
Optional
No limit stated
Personal injury to the driver is not covered under Kasko itself; it is covered under the separate, legally independent Fahrerschutz insurance, which reimburses the driver's accident-related personal injury (e.g. loss of earnings, pain and suffering, increased needs, maintenance payments, bereavement payments) as if HUK24 were liable under Kfz-Haftpflichtversicherung. The insured sum is stated in the policy schedule.
Key conditions
Driver age and experience limit
The general Kasko (Teilkasko/Vollkasko) terms do not specify a minimum driver age or driving-experience requirement; such restrictions, if any, are set individually in the policy schedule (Versicherungsschein).
Repair network requirements
Standard Kasko allows free choice of repair shop; reimbursement up to the Wiederbeschaffungswert requires proof of full, professional repair by invoice. Under the optional Kasko SELECT variant, HUK24 selects a workshop from its partner network, commissions and pays it directly, and grants a 6-year repair warranty; if the policyholder bypasses this workshop selection, the benefit may be reduced 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; no coverage exists in Russia or Belarus.
Anti-theft requirements
The Kasko terms do not mandate specific anti-theft devices as a precondition for cover. However, the policyholder must report a theft, fire, or animal-collision claim to the police without delay if the loss exceeds €1,000.
Claim notification deadline
A claim must be reported within one week (a phone call or verbal notice suffices, except for theft/loss of the vehicle or parts, which requires notice in text form). Claims exceeding €1,000 from theft, fire, or animal collision must additionally be reported to the police without delay.
Deductible rules
If a deductible (Selbstbeteiligung) has been agreed, it is deducted from each claim payment; the amount is stated in the policy schedule. Since the 07/2024 edition, HUK24 waives the deductible for windscreen damage that is professionally repaired (rather than replaced) if the workshop was coordinated with HUK24 in advance.
Policy specifics
Marten bite damage coverage
Coverage for damage caused by animal bites (such as marten) including consequential damages
SourceExtended animal collision coverage
Coverage for collisions with all types of animals (not limited to game animals)
SourceBattery/drive accumulator protection
Coverage for high-voltage battery damage in electric and hybrid vehicles up to 20,000 EUR
SourceNew value compensation
Full replacement value compensation without wear and tear deductions for up to 24 months after first registration on new vehicles
SourceGross negligence coverage
Coverage for claims arising from gross negligence (e.g., running red light causing own vehicle damage)
SourceMallorca clause / Rental car insurance abroad
Coverage for rented vehicles abroad with adjustment of coverage sums to German level minimum
SourceWorkshop binding (Kasko SELECT)
Optional variant where HUK24 selects repair workshop, resulting in 20% premium reduction on Kasko coverage
SourceProvisional coverage in Kasko
In Kasko coverage, provisional protection only applies if explicitly agreed; becomes final upon payment of first premium
SourceKasko SELECT vehicle restrictions
Kasko SELECT only available for vehicles up to 3.5 tons with closed cargo area and dimensions H 2.1m × B 2.0m × L 5.3m maximum, no hazardous goods transport
SourceOperational damage exclusion
Betriebsschäden (operational/wear damage not caused by accident events) are excluded from Kasko coverage
Source