KRAVAG Casco (own-damage car insurance) (Kfzpolice Kasko)

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.

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).

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, 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.

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 repair costs if repaired outside the network workshop (not for mirrors, headlights, panoramic roofs, repairs together with other damage from the same event, or claims abroad). Separately, the deductible is waived if the glass is repaired rather than replaced at a KRAVAG-recommended workshop.

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.

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 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 85 EUR/day, max 7 days).

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.