Extracted from source documents

Münchener Verein Casco (own-damage car insurance) (Kfz Kasko)

Underwritten by Münchener Verein Allgemeine Versicherungs-AG · Germany

casco (own-damage car insurance) from Münchener Verein for the Germany market, with 24/7 assistance.

Last verified Aug 28, 2026Sources

24/7 helpline

Unique selling points

Named Insurer of the Year for 14 consecutive years in the DISQ customer survey (Sept. 2025, 37 providers).

Free Sorglos-Paket arranges repairs at certified partner workshops with a 6-year repair guarantee, pickup/return service, and vehicle cleaning.

Electric vehicle propulsion batteries are covered in Vollkasko at no extra premium, including animal-bite damage and charging-related short circuits up to 20,000 EUR.

Insurer waives the gross-negligence defense in Kasko claims, with only a few exceptions.

New-price compensation applies for up to 15 months after first registration and up to 25,000 km mileage.

Coverage limits

Conditional

Own damage (self-caused collision)

Conditional

Damage to the insured vehicle caused by the policyholder's own fault is only covered under the Vollkasko (fully comprehensive) tier; the Teilkasko tier does not cover self-inflicted collision damage.

Covered

Total loss compensation

Covered

In case of total loss, replacement value is normally paid; new-price compensation applies up to 15 months after first registration and max. 25,000 km mileage, and purchase-price compensation applies within 6 months of first registration.

Covered

Partial damage repair

Covered

Repair costs for damage from insured perils (fire, theft, glass breakage, weather events, animal collision) are covered up to the replacement value.

Covered

Theft and robbery

Covered

Theft of the vehicle is covered under Teilkasko (and consequently Vollkasko); policyholders must report theft to the police immediately.

Section: Leistungsübersicht der Münchener Verein Autoversicherung > 2. Kfz-Teilkaskoversicherung

Deckung : Umfasst Brand, Explosion, Sturm, Hagel, Blitzschlag, Überschwemmung, Zusammenstoß mit Tieren, Verglasungsschäden, Lawinenschäden, Schäden durch Kurzschluss oder Tierbisse und Diebstahl.

Covered

Glass breakage

Covered

Glass breakage damage to the vehicle is covered under Teilkasko (and consequently Vollkasko).

Section: Leistungsübersicht der Münchener Verein Autoversicherung > 2. Kfz-Teilkaskoversicherung

Deckung : Umfasst Brand, Explosion, Sturm, Hagel, Blitzschlag, Überschwemmung, Zusammenstoß mit Tieren, Verglasungsschäden, Lawinenschäden, Schäden durch Kurzschluss oder Tierbisse und Diebstahl.

Covered

Natural perils (storm, hail, lightning, flood)

Covered

Damage from fire, explosion, storm, hail, lightning, flooding, avalanches (including roof avalanches) and mudslides is covered under Teilkasko (and therefore Vollkasko).

Section: Leistungsübersicht der Münchener Verein Autoversicherung > 2. Kfz-Teilkaskoversicherung

Deckung : Umfasst Brand, Explosion, Sturm, Hagel, Blitzschlag, Überschwemmung, Zusammenstoß mit Tieren, Verglasungsschäden, Lawinenschäden, Schäden durch Kurzschluss oder Tierbisse und Diebstahl.

Conditional

Vandalism (malicious damage)

Conditional

Malicious and intentional damage by third parties is only covered under the Vollkasko tier; Teilkasko does not include vandalism cover.

Section: Leistungsübersicht der Münchener Verein Autoversicherung > 3. Kfz-Vollkaskoversicherung

Vandalismus : Schutz bei mutwilliger Beschädigung.

Optional

Roadside assistance / breakdown cover

Optional

Not included in the base Kasko policy; available via the optional Schutzbrief KH-Plus (from 19 EUR/year) which covers breakdown assistance up to 150 EUR, towing up to 300 EUR (200 EUR for EVs to the nearest charging point), and unlimited recovery costs, valid across Europe.

Page 12

Section: Ihr Schutzbrief KH-Plus

Rufen Sie uns bei einer Panne oder einem Unfall einfach an unter Tel 089/455 60-411. Wir schicken Ihnen ein Pannenhilfsfahrzeug zum Schadenort und ersetzen die Kosten bis zu 150 €.

Conditional

Replacement vehicle / rental car

€500

The Kasko policy itself gives no right to rental-car cost reimbursement; however, the free Sorglos-Paket provides a class-A rental car for the repair duration when the customer accepts the insurer's partner workshop, and the optional Schutzbrief KH-Plus reimburses rental costs up to 80 EUR/day or max. 500 EUR in total if the incident occurs more than 50 km from home.

Page 13

Section: Ihr Schutzbrief – KH-Plus > Mietwagen

Kostenerstattung bis 80 € pro Tag oder max. 500 € insgesamt

Optional

Driver/occupant accident insurance

Optional

Occupant accident insurance pays out after an accident causing permanent injury, regardless of fault, and can be taken out on a lump-sum basis (Pauschalsystem) or per seat (Platzsystem).

Key conditions

Driver age and experience limit

No general minimum driver age or experience applies to Kasko cover; the optional Unfall-Joker (no-claims protection) is available for an extra premium only from driver age 23.

Source

Section: Rabattschutz

Optional gegen Mehrbeitrag ab Fahreralter 23 möglich

Repair network requirements

No mandatory repair network exists under the base policy; if the customer opts to use the free Sorglos-Paket, the insurer must arrange the repair with one of its TÜV/DEKRA-certified partner workshops in order to receive the 6-year repair guarantee, pickup/return, and cleaning services.

Claim notification deadline

Policyholders must report any claim within 1 week; theft or damage caused by wildlife must be reported to the police immediately.

Deductible rules

Münchener Verein offers several deductible options for Teilkasko and Vollkasko; the chosen deductible is shown in the policy schedule and lowers the premium.

Source

Section: Teilkasko

Zahlreiche Selbstbeteiligungs-Varianten

Direct payment

For claims, the insurer can be reached 24/7 via a toll-free number and organizes a surveyor, repair shop, or towing service directly on the customer's behalf; if the free Sorglos-Paket is used, the insurer selects the partner workshop and handles repair billing directly.

Territorial scope

Kasko benefits generally apply within Germany and geographical Europe; roadside and travel assistance under the optional Schutzbrief KH-Plus is valid throughout Europe, with the claims hotline reachable worldwide 24/7.

Documents

Kfz Insurance Brochure incl. Schutzbrief KH-Plus (opens in a new tab)

Other document · PDF

Policy specifics

New price compensation

Compensation at the new price for vehicles up to 15 months after first registration and with max. 25,000 km mileage (Vollkasko).

Source

Purchase price compensation

Reimbursement of purchase price within 6 months of first registration

Source

Animal bite consequential damage

Coverage for damage caused by animal bites and resulting follow-up damage

Source

Natural hazard coverage (avalanches and mudslides)

Damage from avalanches (including roof avalanches) and mudslides is covered as part of the standard Teilkasko benefits.

Source

Section: Teilkasko

Durch Lawinen inkl. Dachlawinen, Murgang

Special equipment coverage

Coverage for special equipment and modifications including technical systems

Source

Rental car cost reimbursement

Rental car costs covered via optional Schutzbrief add-on when damages occur beyond 50km from residence

SourcePage 13

Section: Ihr Schutzbrief – KH-Plus > Mietwagen

Bei Panne/Unfall/Diebstahl außerhalb eines Radius von 50 km Luftlinie bis zu Ihrem Wohnsitz

Recovery and towing

Coverage for vehicle recovery and towing to nearest service location with defined cost limits

SourcePage 13

Section: Ihr Schutzbrief – KH-Plus > Abschlepp- und Bergungsdienst; Das Abschleppen von E-Fahrzeugen

Die Kosten für die Bergung übernehmen wir in unbegrenzter Höhe, die Kosten für das Abschleppen bis zu 300 €. ... tragen wir die Kosten für das Abschleppen zur nächstgelegenen Lademöglichkeit bis zu 200 €.

Workshop network / Repair arrangement

Optional 'Sorglos-Paket' (carefree package) where insurer selects workshop after claim

Source

Gross negligence waiver

Insurer waives right to invoke gross negligence defense in Kasko claims (with few exceptions)

Source

Accident joker / no-claim protection

Optional add-on covering one accident per calendar year without loss of bonus class

Source

Section: Besondere Leistungen im Kfz-Tarif > Rabattschutz

Der Unfall-Joker kann optional für die Kfz-Haftpflicht und VK abgeschlossen werden und gilt jeweils für einen Schaden pro Kalenderjahr. Der Vertrag verbleibt damit in der gleichen SF-Klasse im Folgejahr.

Bonus class transferability

Bonus/discount class from previous insurer can be transferred to new Münchener Verein policy

Source

E-vehicle battery coverage

Comprehensive coverage for electric vehicle propulsion batteries in Vollkasko at no extra charge

Source

Section: Vollkasko > E-Fahrzeuge

Neuwertentschädigung, wenn nicht älter als 24 Monate und max. Laufleistung von 50.000 km

GAP coverage for leased vehicles

Optional coverage closing gap between vehicle replacement value and remaining lease obligation after total loss

Source

Sources

Münchener Verein Casco (own-damage car insurance)

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