KRAVAG Insurance Group (KRAVAG-LOGISTIC Versicherungs-AG, KRAVAG-ALLGEMEINE Versicherungs-AG and KRAVAG-SACH Versicherung des Deutschen Kraftverkehrs VaG)
KRAVAG
KRAVAG is a motor casco insurance for the Germany market with no online purchase and limited assistance availability.
Direct payment
If the optional Werkstattservice is booked, KRAVAG arranges pick-up/drop-off and settles repair costs directly with its partner workshop up to the Wiederbeschaffungswert, so the policyholder does not need to pay upfront; without this add-on, the policyholder pays the workshop and is reimbursed by KRAVAG afterward.
Geographic scope
Europe (geographic borders) plus non-European territories of the EU
Coverage applies within the geographic borders of Europe and the non-European territories belonging to the EU; optional modules (Schutzbrief, Auslandsschaden-Versicherung) extend or restrict this range further.
Unique selling points
- Automatic Leistungsverbesserungsgarantie: if KRAVAG improves policy terms for new contracts, existing customers benefit automatically at no extra cost.
- The premium tier extends new-price compensation to 36 months for electric/hybrid cars and pays a 2,000 EUR bonus when switching from a combustion-engine total loss to a new electric replacement car.
- 3% Umweltbonus premium discount for electric and hydrogen cars, plus surcharge-free co-insurance of EV accessories such as charging cables and home wallboxes.
- The optional BleibMobil add-on funds up to 500 EUR/month for a car subscription for up to 6 months after a total loss, keeping the customer mobile without needing a traditional replacement car purchase.
- Independently recognized for high customer trust and fair claims handling, including WirtschaftsWoche's 'Sehr hohes Kundenvertrauen' award (2025) and Focus Money's 'Fairster Schadenregulierer' award for motor service insurers (2026).
Coverage limits
Own damage cover (comprehensive)
Covered
Vollkasko covers damage to, destruction of, or total loss of the insured car from own-fault accidents, vandalism/cyberattack, and (premium tier only) ferry-transport incidents, in addition to all Teilkasko perils; indemnity is capped at the vehicle's new-price (Neupreis), not a fixed sum.
Total loss / new-price compensation
Covered
On total loss, destruction or theft, KRAVAG pays the market replacement value (Wiederbeschaffungswert) minus any residual value; if the loss occurs shortly after first registration, the higher new-price (Neupreis) is paid instead: within 30 months for combustion-engine cars (36 months for electric/hybrid cars) in the premium tier, within 12 months in the comfort tier, and not at all in the classic tier (only Wiederbeschaffungswert applies).
Partial damage / repair costs
Covered
Repair costs are paid up to the Wiederbeschaffungswert if the car is fully and properly repaired (proven by invoice); if not repaired, or repaired incompletely, indemnity is capped at Wiederbeschaffungswert minus residual value. If the optional Werkstattservice is booked and repair is carried out outside the selected workshop, reimbursement is limited to 80% of the otherwise payable repair costs (this reduction does not apply to claims abroad).
Theft, robbery & misappropriation
Covered
Theft, robbery, robbery-induced surrender, misappropriation (under conditions) and unauthorized use by unrelated third parties are covered under both Teilkasko and Vollkasko in all three tiers. If a stolen car is not recovered within one month of claim notification, the premium tier additionally pays a 500 EUR mobility lump sum; this lump sum is not available in comfort or classic.
Glass breakage
Covered
Breakage of the vehicle's glazing (windscreen, rear, roof, side and partition glass, mirror glass, light covers) is covered without a fixed monetary cap in all tiers; the classic tier includes a built-in Werkstattservice Glas benefit (replacement vehicle, 3-year warranty) for glass claims, but reimbursement drops to 80% of costs if repaired outside the network workshop, unless a resin (Verbundglas) repair is done instead of replacement, in which case any deductible is also waived.
Natural hazards
Covered
In the premium tier, cover extends to earthquake, ground subsidence, volcanic eruption, avalanches (incl. roof avalanches) and mudslides, plus storm, hail, lightning and flooding; the comfort and classic tiers cover only storm, hail, lightning and flooding, excluding earthquake/subsidence/volcanic/avalanche/mudslide risks.
Vandalism & malicious acts
Covered
Damage, destruction or total loss caused by malicious or spiteful acts of third parties (e.g. vandalism or cyberattack) is covered under Vollkasko in all three tiers; manufacturer programming/maintenance errors are excluded. This peril is not covered under Teilkasko-only contracts.
Roadside assistance (Schutzbrief)
Optional
Roadside assistance is provided under the separate, legally independent Schutzbrief contract, not automatically as part of Kasko. It covers e.g. on-site breakdown recovery (up to 150 EUR, unlimited if organized by KRAVAG), towing (unlimited if organized by KRAVAG, otherwise up to 200 EUR if self-organized), key lockout service (up to 100 EUR), and after-accident rental car (up to 70 EUR/day, max 7 days).
Replacement vehicle during repair
Optional
A free small-class replacement vehicle during repair is provided only under the optional Werkstattservice (premium/comfort) when the car is repaired at a KRAVAG-selected workshop; the classic tier automatically includes an equivalent benefit (Werkstattservice Glas) but only for glass-breakage repairs, not for general accident repairs.
Driver accident protection (Fahrerschutz)
€20,000,000
Personal injury to the vehicle's authorized driver caused by an accident while driving is not part of Kasko but can be added via the separate Fahrerschutz-Versicherung, which pays like a liability insurer up to 20 million EUR per claim (e.g. loss of earnings, home/vehicle adaptation, pain-and-suffering compensation after at least 5 days' hospitalization), regardless of fault.
Key conditions
Driver age and experience limit
The Kasko AVB does not set a minimum driver age or experience requirement for coverage to apply; age/experience only affects the No-Claims (SF-Klasse) premium calculation via special starting classes for young or first-time drivers.
Repair network requirements
Repairs are not required at a KRAVAG-selected workshop unless the optional Werkstattservice / Werkstattservice Glas has been agreed; in that case, repairs outside the selected workshop are reimbursed at only 80% of costs (not applicable to claims abroad), while the classic tier's built-in Werkstattservice Glas follows the same 80% rule for glass claims.
Territorial scope
Cover applies within the geographic borders of Europe and the non-European territories belonging to the European Union.
Anti-theft requirements
No specific anti-theft device (e.g., alarm, tracker) is mandated as a condition for theft cover; the policy only defines what counts as covered theft/robbery/misappropriation.
Claim notification deadline
Generally, any claim event must be reported within one week; theft/robbery of the vehicle or its insured parts must be reported immediately in text form, and theft, fire or wildlife-collision damage exceeding 500 EUR must additionally be reported to the police without delay.
Deductible rules
Any agreed deductible is deducted from the indemnity for each claim event; the deductible is waived for glass damage repaired (not replaced) at a KRAVAG-recommended workshop, and for fire or theft claims if the vehicle was parked in an owned or permanently rented garage at the time of loss.
Documents
Consumer information / terms and conditions for Pkw motor insurance (KRAVAG-LOGISTIC, Stand Juli 2025)
Terms & conditions
Insurance Product Information Document - KfzPolice (KRAVAG-LOGISTIC)
IPID
Insurance Product Information Document - KfzPolice (KRAVAG-ALLGEMEINE)
IPID
Previous consumer information / terms and conditions for motor insurance (KRAVAG-LOGISTIC, Stand Juli 2021, superseded)
Terms & conditions
Policy specifics
New car replacement benefit
Replacement cost compensation for total loss or theft of new vehicles within certain timeframe after first registration
SourceUsed vehicle valuation benefit
Replacement value compensation based on purchase value determined by expert for total loss or theft of used vehicles
SourceVandalism coverage
Coverage for intentional damage or malicious acts (vandalism) to insured vehicle
SourceOwn-fault accident damage coverage
Coverage for damage to own vehicle when the policyholder is at fault in accident
SourceRepair shop service discount
Optional repair network service that offers reduced premiums when included with comprehensive cover
SourcePartner workshop service effect
Optional Werkstattservice / Werkstattservice Glas provides a free replacement car, pick-up/drop-off, a 3-year repair warranty and full-cost settlement when repairs are done at a KRAVAG-selected partner workshop; if the policyholder chooses a different workshop instead, reimbursement is reduced to 80% of the otherwise payable repair costs (except for claims abroad).
Source