Extracted from source documents

Itzehoer Versicherungen Casco (own-damage car insurance) (Pkw Rundumschutz)

Underwritten by Itzehoer Versicherung/Brandgilde von 1691 Versicherungsverein a.G. · Germany

casco (own-damage car insurance) from Itzehoer Versicherungen for the Germany market, with 24/7 assistance.

Verified Aug 28, 2026 · Terms dated 2025-09Sources

24/7 helpline

Unique selling points

TOP DRIVE offers unlimited new-price compensation for total loss when the car has been insured in TOP DRIVE in the policyholder's name continuously since it was bought new ('Treuejuwel').

Direct claims settlement (Direktregulierung) pays out vehicle damage claims as if a third party were at fault, regardless of who caused the accident.

GAP coverage for leased and financed vehicles is included in Vollkasko.

The optional Werkstattbonus add-on can cut the Kasko premium by up to 20% while adding premium workshop perks like pick-up, replacement car and a 6-year repair warranty.

Coverage extends to collision with animals of any kind (not just game) and to direct animal-bite damage; short-circuit damage to wiring including adjacent units is covered up to a replacement value of EUR 25,000.

Coverage limits

Covered

Own damage (comprehensive/Vollkasko)

Covered

Vollkasko cover under both COMFORT DRIVE and TOP DRIVE provides comprehensive protection, going beyond partial cover (Teilkasko) by also compensating for self-caused traffic accidents and damage from malicious/willful acts.

Conditional

Total loss new-price replacement

Conditional

For a total loss, COMFORT DRIVE grants new-price (or original purchase price for used cars) compensation for up to 36 months after purchase. TOP DRIVE grants unlimited (unbefristete) new-price replacement ('Treuejuwel') provided the car has been continuously insured in TOP DRIVE since first registration in the policyholder's name (or was pre-registered max. 14 days/500 km by a dealer/manufacturer); otherwise TOP DRIVE also applies the 36-month limit for subsequent owners.

Section: TOP DRIVE > Mehr geht nicht, versprochen!

Der Itzehoer TOP DRIVE sorgt als umfassendster Versicherungsschutz sogar dafür, dass bei einem Totalschaden 36 Monate lang nach Kauf kein Wertverlust entsteht. Bei einem Neuwagen erstattet die Itzehoer den Neupreis - beim Gebrauchtfahrzeug den Anschaffungspreis.

Covered

Partial loss (Teilkasko basic cover)

Covered

Basic partial cover replaces own-vehicle damage from hail, storm, lightning, flood, avalanche (also earthquake, subsidence, landslide, mudslide, volcanic eruption), fire, explosion, theft, collision with animals, marten bite, short-circuit wiring damage, or glass breakage.

Covered

Theft/robbery

Covered

Theft of the vehicle is covered under the Teilkasko basic cover included in both tiers; theft of the vehicle keys during a burglary (not from within the car) or robbery is also covered, including replacement/recoding of door and steering locks.

Covered

Glass damage

Covered

Glass breakage is covered under Teilkasko basic cover in both tiers; if repair (not replacement) is carried out at a workshop pre-agreed with Itzehoer, no deductible is deducted.

Section: Itzehoer Kfz-Versicherung > Itzehoer Top-Drive > Kasko im Top-Drive

Glasschäden: kein Abzug der Selbstbeteiligung nach Reparatur durch eine vorab mit der Itzehoer abgestimmte Werkstatt (nicht bei Austausch der Scheibe), ggf. Ersatz für Vignette / Umweltplakette

Covered

Natural hazards (elementary damage)

Covered

Covers damage from storm, hail, lightning, flooding, avalanches, earthquakes, ground subsidence, landslides, mudslides and volcanic eruption, as part of the basic Teilkasko cover included in both tiers.

Covered

Vandalism

Covered

Vandalism damage (malicious/willful damage by third parties) is covered under the Vollkasko cover in both COMFORT DRIVE and TOP DRIVE, going beyond the basic Teilkasko perils.

Section: Die wichtigsten Tarifoptionen der Itzehoer > Vollkasko: Rundum-Schutz bei Eigenschäden

Zusätzlich deckt sie selbst verursachte Schäden und Vandalismus ab.

Covered

Roadside assistance / recovery (Schutzbrief)

unlimited

TOP DRIVE includes an unlimited-amount recovery service after breakdown or accident, plus rail travel costs from the damage location to the policyholder's home or destination within the covered territory, with 24-hour European-wide service.

Section: TOP DRIVE > Versicherungsschutz unabhängig von der Kilometerentfernung zum Wohnort

Bergung nach Panne oder Unfall in unbegrenzter Höhe

Covered

Replacement vehicle / rental car

€750

For total theft, an Itzehoer-arranged rental car / proven costs up to max. EUR 750 is covered; after an accident, a same-class rental car for the comprehensively-insured car is covered for max. 14 days (or alternatively a use-of-vehicle compensation up to max. EUR 750). Since July 2024, TOP DRIVE's direct claims settlement (Direktregulierung) covers rental car costs after an accident without any time restriction.

Page 8

Section: Kasko-Schutz – die richtige Wahl treffen

Durch uns vermittelter Mietwagen u. nachgewiesene Kosten: bei Totalentwendung max. 750 € und nach einem Verkehrsunfall für den kaskoversicherten Pkw gleiche Klasse, max. 14 Tage (alternativ Nutzungsausfall-Entschädigung bis max. 750 €)

Optional

Driver accident protection (Fahrerschutz)

Optional

Driver-accident protection (Fahrerschutz), covering personal injury to the driver similar to third-party liability claims, can be added on request under both COMFORT DRIVE and TOP DRIVE; it is a separate insurance type (Kfz-Unfall-/Fahrerschutzversicherung) within the Itzehoer motor product, not automatically included.

Section: Kfz mit der Itzehoer macht Spaß! > Top Produkte! Top Service! Top Partner!

Auf Wunsch: Fahrerschutz und Rabattschutz (für alle Fahrer ab 23 Jahren) bei Wahl "COMFORT DRIVE" oder "TOP DRIVE"

Key conditions

Driver age and experience limit

Bonus protection (Rabattschutz), which prevents loss of no-claims discount status after one claim per year, applies only to drivers aged 23 and above and is included as standard in TOP DRIVE.

Repair network requirements

For comprehensive (Kasko) claims, repairs must be carried out at an Itzehoer partner workshop to receive full workshop benefits (courtesy transport, replacement vehicle, 6-year repair warranty, direct billing); choosing another workshop results in a 10% deduction from the settlement (max. EUR 750) and loss of these benefits. The workshop tie applies only to Kasko claims, not to inspections/maintenance, and does not apply to Kasko claims abroad requiring immediate repair.

Anti-theft requirements

If a passenger car is stolen (total loss, destruction or loss), the compensation is reduced by a set percentage unless the car was secured by a self-arming electronic immobiliser at the time of the theft; the deductible rules are unaffected.

Source

Claim notification deadline

In case of a comprehensive (Kasko) claim, the policyholder must inform the Itzehoer claims service center immediately (umgehend) so the claim process can be initiated.

Deductible rules

Various deductible levels are selectable; a higher deductible reduces the premium. In TOP DRIVE, the deductible (up to max. EUR 500) is waived if the contract has existed continuously and claim-free for the past three years. Parking-lot damage up to EUR 300 once a year is settled via Smart-Repair with only EUR 50 deductible and no impact on the no-claims class. Using a non-partner workshop for a Kasko claim adds a 10% self-contribution (max. EUR 750).

Direct payment

In TOP DRIVE, claims arising from vehicle damage are settled directly by Itzehoer (Direktregulierung) as if a third party had caused the damage, regardless of fault, so the policyholder does not need to pursue recovery from another party.

Territorial scope

Coverage generally applies within Germany and Europe/EEA; TOP DRIVE automatically includes foreign-damage protection (Auslandsschadenschutz) for accidents abroad caused by a foreign-registered vehicle

Documents

Consumer information for motor insurance (Ausgabe 09/25) (opens in a new tab)

Terms & conditions · PDF

IPID – Insurance product information sheet for motor insurance (opens in a new tab)

Product information sheet · PDF

TOP DRIVE product page (opens in a new tab)

Other document · PDF

Policy specifics

New price replacement (36 months)

Coverage providing replacement at new purchase price for total loss within 36 months of purchase for subsequent owners; unlimited replacement for cars continuously insured from first registration

Source

Section: TOP DRIVE > Mehr geht nicht, versprochen!

1. Unser Treuejuwel: Bei einem Pkw, der seit Erwerb als Neufahrzeug auf Ihren Namen ununterbrochen im TOP DRIVE versichert ist, gilt sogar eine unbegrenzte Neupreisentschädigung!

Collision with all animals

Comprehensive protection against damage from collision with any type of animal (not limited to game animals). Includes tierbiss (animal bite) coverage for follow-up damage.

Source

Direct claims settlement

Claims from vehicle damage are settled directly by Itzehoer as if a third party caused the damage, regardless of fault. Distinctive feature where policyholder does not need to pursue third-party recovery.

Source

Section: Itzehoer Kfz-Versicherung > Itzehoer Top-Drive > Kasko im Top-Drive

Direktregulierung – das Alleinstellungsmerkmal auf dem deutschen Versicherungsmarkt: Aus der Beschädigung des Fahrzeuges resultierende Kosten werden wie bei einem vollem Haftpflichtanspruch direkt von der Itzehoer übernommen. Das heißt: Egal welcher Schaden am Kfz vorliegt und wer daran Schuld hat – im Top-Drive reguliert das alles die Itzehoer.

Self-insured waiver after 3 years

Waiver of deductible up to maximum EUR 500 when TOP DRIVE contract has existed uninterruptedly and without loss or damage in the past three years

Source

Section: Itzehoer Kfz-Versicherung > Itzehoer Top-Drive > Kasko im Top-Drive

Verzicht auf den Abzug der Selbstbeteiligung bis maximal 500€, wenn der TOP DRIVE-Vertrag in den letzten drei Jahren ununterbrochen und schadenfrei bestanden hat

GAP coverage for leased and financed vehicles

Special coverage for leased or loan-financed vehicles providing the difference between replacement value and remaining financing debt in case of total loss

Source

Section: TOP DRIVE > Echte Vorteile

GAP-Deckung: Sonderdeckung für geleaste und fremdfinanzierte Fahrzeuge in der Vollkasko

Bonus protection for drivers 23+

Protection ensuring drivers aged 23 and older are not negatively impacted by one free claim per year regarding discount/claims-free status

Source

Section: TOP DRIVE > Echte Vorteile

Rabattschutz für alle Fahrer ab 23 Jahre inklusive

Extended elementary damage coverage

Coverage for damage from storms, hail, lightning, flooding, landslides, earthquakes, earth subsidence, mudslides, volcanic eruptions (beyond standard partial coverage)

Source

All-peril battery coverage for EV/hybrid

Comprehensive coverage for vehicle batteries in electric and hybrid vehicles covering all hazards rather than partial limits, extending to marten damage and wire short circuits

Source

Bei der Itzehoer gibt es im COMFORT DRIVE und TOP DRIVE Tarif eine sog. Allgefahrendeckung für Akkus, also einen Versicherungsschutz, der sich über alle denkbaren Gefahren erstreckt.

Workshop binding condition

For comprehensive claims, repairs must be performed at Itzehoer partner workshops to receive full benefits; choosing another workshop incurs 10% surcharge (max EUR 750) and loss of workshop benefits

Source

Section: Pkw-Rundumschutz > Werkstattbonus: Premium-Service an der Haustür

Wenn Sie einen Kaskoschaden nicht bei einer unserer Partnerwerkstätten reparieren lassen, sondern eine andere Werkstatt wählen, tragen Sie 10 % der berechneten Ersatzleistungen selbst (maximal 750 €) und es entfallen auch alle Werkstattvorteile.

Continuous insurance requirement for unlimited new price replacement

To qualify for unlimited new price replacement (Treuejuwel) in case of total loss, vehicle must be continuously insured in TOP DRIVE from first registration in the policyholder's name

Source

Section: TOP DRIVE > Mehr geht nicht, versprochen!

1. Unser Treuejuwel: Bei einem Pkw, der seit Erwerb als Neufahrzeug auf Ihren Namen ununterbrochen im TOP DRIVE versichert ist, gilt sogar eine unbegrenzte Neupreisentschädigung!

Sources