Reviewed from source documents

Janitos Versicherung Aktiengesellschaft

Janitos

Janitos 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: 2025-10-01Underwritten by: Janitos Versicherung AG
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Direct payment

Under Werkstattmanagement, Janitos commissions the partner repair workshop directly and settles the invoice with the workshop, so the policyholder does not need to pay upfront for covered casco repairs.

Geographic scope

Nationwide

Coverage applies within the geographic borders of Europe and the EU member states; the Mallorca Policy extends MTPL liability limits to rental vehicles used temporarily abroad (excluding Germany).

Unique selling points

  • Kasko Pur waives the agreed deductible once after four consecutive claim-free years in the Advanced tariff (up to EUR 300 Vollkasko / EUR 150 Teilkasko).
  • A second vehicle can inherit the same no-claims class (up to SF 10) as the first vehicle, even if that first vehicle is insured with a different provider.
  • The Advanced tariff insures vehicle special equipment (e.g. audio systems, tuning) without any value cap, versus a EUR 10,000 limit in Compact.
  • Advanced includes JurDrive legal protection for traffic-accident damage claims and defense at no additional premium.
  • Janitos' partner workshop network provides a 6-year repair guarantee and a free replacement vehicle for up to 14 days under Werkstattmanagement.

Coverage limits

Own vehicle (collision) damage

Covered

Vollkasko covers self-caused accident damage to the insured vehicle, included in both Compact and Advanced. Maximum indemnity is capped at the vehicle's new price (Neupreis) rather than a fixed sum insured.

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New-price / purchase-price compensation on total loss

Covered

On total loss, destruction or loss of the vehicle, Janitos pays new-price compensation (for new cars) or purchase-price compensation (for used cars) if the event occurs within 12 months of first registration/purchase in Compact, or within 24 months in Advanced.

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Partial damage (Teilkasko perils)

Covered

Covers partial damage from Teilkasko perils (fire, explosion, short-circuit, theft, storm/hail/flood, animal collision, glass breakage, animal bite) as well as Vollkasko collision damage; repair costs are reimbursed up to the vehicle's replacement value, with no fixed sum insured.

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Theft and robbery

Covered

Covers theft and robbery (Entwendung) of the vehicle. Advanced covers embezzlement (Unterschlagung) without exception, while Compact covers it only if the vehicle was not entrusted to the perpetrator for use, sale, or under retention of title.

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Glass breakage

Covered

Covers breakage of vehicle glazing (windscreen, rear/side windows, mirrors, light covers). Windscreen repair is free of deductible; on replacement at a Janitos partner workshop the deductible is reduced by EUR 75 (plus up to EUR 25 interior cleaning cost in Advanced). Follow-on/consequential damage is not covered.

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Natural hazards

Conditional

Both tiers cover storm, hail, lightning, flood, avalanches and landslide damage. Advanced additionally covers earthquake, ground subsidence and volcanic eruption, and Advanced's avalanche cover extends to roof avalanches (Dachlawinen); these extended perils are not covered in Compact.

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Vandalism

Covered

Vollkasko covers damage from malicious or willful acts by persons not entitled to use the vehicle (vandalism), included in both Compact and Advanced.

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Mobility protection (Schutzbrief)

Optional

Mobilitäts-Schutz is an optional add-on available for a premium surcharge in both tiers, providing breakdown and accident assistance across Europe/EU (e.g. roadside repair up to EUR 154, towing up to EUR 154, rental vehicle up to EUR 52/day for 5 days or EUR 260 abroad, overnight stays up to EUR 77/night).

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Replacement vehicle

Covered

Werkstattmanagement is included by default in both tiers (deselectable for a premium reduction) and provides a free replacement vehicle of the smallest class for up to 14 days during repair. Advanced additionally provides a EUR 25/day rental-car allowance (max. 4 weeks) in case of total vehicle theft, which is not available in Compact.

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Driver accident protection (Fahrerschutz)

€15,000,000

Fahrerschutz is an optional add-on (available for a premium surcharge, both tiers) covering personal injury suffered by the authorized driver (minimum age 23) in an accident while driving the insured vehicle. Cover is capped at the agreed MTPL personal-injury sum insured, up to a maximum of EUR 15,000,000 per insurance year.

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Key conditions

Driver age and experience limit

Fahrerschutz cover only applies to authorized drivers aged 23 or older; no driver-accident benefit is paid below this age.

Repair network requirements

Under Werkstattmanagement, Janitos selects the repair workshop from its partner network; if the policyholder does not contact Janitos before commissioning repairs, only 80% of the repair costs (excluding transport costs) are reimbursed.

Territorial scope

Casco cover applies within the geographic borders of Europe and the EU member states.

Anti-theft requirements

If the vehicle was not secured by a self-arming electronic immobilizer at the time of theft, the maximum indemnity is reduced by 10%.

Claim notification deadline

The policyholder must notify Janitos of any casco loss event in text form within one week of the event; theft, fire or animal-related losses must additionally be reported to the police immediately.

Deductible rules

The agreed deductible (Selbstbeteiligung) is deducted from each claim payment. The windscreen-repair deductible is waived entirely, and replacement at a partner workshop reduces it by EUR 75. After 4 consecutive claim-free years, Kasko Pur (Advanced only) waives the deductible once (max EUR 300 Vollkasko / EUR 150 Teilkasko).

Documents

Janitos Motor Insurance Terms Compact 250101

Terms & conditions

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Janitos Motor Insurance Terms Advanced 250102

Terms & conditions

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Overview of Benefits - Motor Insurance (Compact/Advanced)

Table of benefits

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Policy specifics

Kasko Pur (No deductible option)

Optional benefit waiving deductible (Selbstbeteiligung) for comprehensive and partial casco coverage after 4 claim-free years at Janitos

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New price compensation

Reimbursement at new vehicle replacement value instead of depreciated value; duration differs by product tier

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Animal bite damage coverage

Coverage for damage caused by animal bites to vehicle components (wiring, hoses, insulation) including consequential damage

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Special equipment coverage

Coverage of vehicle special equipment and enhancements (e.g., audio systems, tuning modifications, communication equipment)

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GAP coverage (leasing gap)

Coverage closing the gap between vehicle replacement value and leaseholder's claim in case of total loss of leased vehicle

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JurDrive legal protection

Legal protection component for damage compensation claims and defense in traffic accidents; available only in Advanced product line

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Mallorca Policy (rental vehicle liability enhancement)

Supplementary liability coverage for rented vehicles abroad, elevating coverage limits to contract amounts

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Repair network and claim settlement

Janitos handles casco claims directly with authorized repair partners within Germany; insured party relaxes during claims settlement

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No-claims discount transfer for second vehicle

Attractive second vehicle regulation allowing transfer of same SF-class to second vehicle, even if first vehicle insured elsewhere

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Waiver of gross negligence objection

Insurer waives right to deny casco claims based on gross negligence defense

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Coverage in Europe and EU

Liability protection covers use within geographic borders of Europe and EU territories; casco coverage varies by specific terms

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