Mecklenburgische Insurance Company on a Mutual Basis (Mecklenburgische Versicherungs-Gesellschaft auf Gegenseitigkeit)

Driver age and experience limit

No fixed minimum age or driving-experience threshold is stated for casco cover as such. The vehicle may only be used by an authorised driver holding the licence required (D.1.1.2, D.1.1.3); accompanied-driving rules apply where legally required (D.1.3). Policyholder age and the youngest driver's age are used as annually-reviewed premium factors (J.8, Anhang 2), and the optional Fahrer-Versicherung under Komfortdeckung excludes drivers outside the agreed circle of drivers (A.7.2.6 g).

Repair network requirements

Standard casco cover does not require repairs at a partner workshop, but reduced deductibles and extra benefits (courtesy car, interior/exterior cleaning, transport) apply only if repairs are carried out at a Mecklenburgische partner workshop (A.2.5.2.4, A.7.5.13). If the special Partner-Kaskoversicherung variant (A.15) is agreed, repairing outside the partner network reduces reimbursement to 85% of the amount otherwise payable, and this variant applies only to damage occurring within Germany (A.15.3.2, A.15.4).

Territorial scope

Cover applies within the geographical boundaries of Europe and the non-European territories forming part of the EU (A.2.4.1); if an International Motor Insurance Card (Green Card) has been issued, cover extends to the further non-European countries listed on it that are not crossed out (A.2.4.2, A.1.4.2).

Anti-theft requirements

Compensation for total loss, destruction or loss of a Pkw, camper van, rental car or taxi through theft is reduced by 10% unless the vehicle was fitted with a self-arming electronic immobiliser at the time of the theft; this reduction applies in addition to any agreed deductible (A.2.5.1.4).

Claim notification deadline

Any event that may give rise to a claim must be reported within one week (E.1.1.1). Theft or loss of the vehicle or co-insured parts must be reported without delay and in text form (E.1.3.1), and theft, fire or animal-damage losses exceeding €500 must additionally be reported to the police without delay (E.1.3.3).

Deductible rules

The agreed deductible (stated in the policy schedule, not fixed in the AKB) is deducted from every claim, including against any applicable maximum indemnity limit (A.2.5.8). No deductible applies to glass-breakage repairs (as opposed to replacement) at a partner workshop, and the deductible is reduced by €75 for glass replacement at a specialised partner glass workshop. Repairs carried out at a Mecklenburgische partner workshop under Komfortdeckung reduce the deductible by €100 in Vollkasko or €50 in Teilkasko (A.7.5.13).

Partial comprehensive insurance coverage

Covers damage to own vehicle where no third party is liable, including theft, fire, natural disasters, and animal collision

Full comprehensive insurance coverage

Combines partial comprehensive coverage with additional protection against self-caused damage (accidents, vandalism) regardless of fault

Comfort coverage (enhancement)

Optional enhancement offering 20 coverage extensions beyond standard protection, including extended new-price compensation (up to 36 months), marten damage up to 5000 EUR, and equipment coverage

Repair at partner workshop benefit

In comfort coverage, deductible reduced by 50 EUR when damage repairs performed at authorized partner workshop

Partner-Kaskoversicherung (mandatory-network variant)

A special, discounted form of Teil-/Vollkaskoversicherung under which repairs are expected to be carried out at a designated Mecklenburgische partner workshop. If the vehicle is instead repaired elsewhere (for claims over €500, or any glass-breakage claim), only 85% of the otherwise payable repair cost is reimbursed; this variant applies only to damage occurring within Germany (A.15.1-A.15.4).

New-price compensation

For total loss of new vehicles, insurer pays original purchase price instead of depreciated value within first 6 months in standard coverage, extended to 36 months in comfort coverage

Wild animal damage / extended animal collision

Comprehensive coverage for collision with wildlife of all types; in comfort coverage extended from standard large game to all animals

Marten damage coverage

Coverage for vehicle damage from marten bites and related follow-up damage; standard limit 3000 EUR, comfort limit 5000 EUR

Short-circuit damage (electrical)

Coverage for electrical short-circuit damage including follow-up damage; standard limit 1000 EUR, comfort limit 5000 EUR; includes battery discharge in electric/hybrid vehicles

Locked/secured vehicle and accessory parts

Coverage for vehicle accessories and parts kept under lock while parked; comfort coverage limit 5000 EUR for installed/factory items

Natural disasters and earth movement damage

Coverage for avalanches (roof avalanches), subsidence, earthquakes, and volcanic activity; comfort coverage extends avalanche coverage from full to partial comprehensive

Disposal/scrapping costs

Coverage for vehicle disposal and scrapping costs following total loss; available only in comfort coverage up to 5000 EUR

Waiver of deductible for gross negligence

Conditional waiver of deductible for claims caused by gross negligence; Mecklenburgische only waives this for specific claim types (e.g., traffic accidents for red light violations)

Expert appraisal procedure (Sachverständigenverfahren)

In case of disagreement about damage assessment in comprehensive coverage, policyholder may invoke independent expert appraisal procedure per section A.2.6 of terms

Technology-neutral coverage for autonomous vehicles

Coverage applies equally whether vehicle is manually driven or uses automated/autonomous driving technology; product explicitly includes electric and hybrid vehicles with battery-specific provisions