Reviewed from source documents

Itzehoer Insurance / Brandgilde von 1691 Mutual Insurance Association

Itzehoer Versicherungen

Itzehoer Versicherungen is a motor casco insurance for the Germany market with no online purchase and 24/7 assistance.

Last verified Aug 28, 2026Reviewed by: Boleron EUTerms & conditions: 2025-09Underwritten by: Itzehoer Versicherung/Brandgilde von 1691 Versicherungsverein a.G.
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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.

Geographic scope

Nationwide, insurer headquartered in Schleswig-Holstein

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

Unique selling points

  • TOP DRIVE offers unlimited (unbefristete) new-price replacement for total loss when the car has been continuously insured since first registration, a unique 'Treuejuwel' feature.
  • 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 at no extra cost, whereas competitors typically charge a 10-15% surcharge.
  • 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 any animal species (not just game animals) plus follow-up bite damage up to EUR 25,000.

Coverage limits

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.

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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.

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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.

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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.

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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.

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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.

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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.

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Roadside assistance / recovery (Schutzbrief)

unlimited

Only in TOP DRIVE

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.

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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.

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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.

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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.

Territorial scope

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

Anti-theft requirements

Bei Diebstahl eines Pkw (Totalschaden, Zerstörung oder Verlust) wird die Entschädigung um einen festgelegten Prozentsatz gekürzt, wenn das Fahrzeug nicht mit einer selbstschärfenden elektronischen Wegfahrsperre gesichert war. Dieser Abzug entfällt, wenn das Fahrzeug zum Zeitpunkt des Diebstahls durch eine solche Wegfahrsperre gesichert war (die Regelung zur Selbstbeteiligung bleibt davon unberührt).

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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).

Documents

Consumer information for motor insurance (Ausgabe 09/25)

Terms & conditions

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IPID – Insurance product information sheet for motor insurance

IPID

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TOP DRIVE product page

Other document

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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

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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.

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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.

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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

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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

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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

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Extended elementary damage coverage

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

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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

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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

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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

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Exclusion for gross negligence and alcohol-related incidents

No coverage for damages caused by intentional acts, gross negligence over EUR 5,000, contract violations, or accidents resulting from alcohol consumption

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