Münchener Verein Versicherungsgruppe (comprising Münchener Verein Krankenversicherung a.G., Münchener Verein Lebensversicherung AG and Münchener Verein Allgemeine Versicherungs-AG)
Münchener Verein
Münchener Verein is a motor casco insurance for the Germany market with no online purchase and 24/7 assistance.
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.
Geographic scope
Nationwide (Germany)
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.
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
Own damage (self-caused collision)
Conditional
Only in Vollkasko
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.
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.
Partial damage repair
Covered
Repair costs for damage from insured perils (fire, theft, glass breakage, weather events, animal collision) are covered up to replacement value; no fixed monetary cap is stated in available sources.
Theft and robbery
Covered
Theft of the vehicle is covered under Teilkasko (and consequently Vollkasko); policyholders must report theft to the police immediately.
Glass breakage
Covered
Glass breakage damage to the vehicle is covered under Teilkasko (and consequently Vollkasko).
Natural perils (storm, hail, lightning, flood)
Covered
Damage from fire, explosion, storm, hail, lightning strike and flooding is covered under Teilkasko (and consequently Vollkasko); an extended elemental-damage option also covers avalanches (including roof avalanches) and mudslides.
Vandalism (malicious damage)
Conditional
Only in Vollkasko
Malicious and intentional damage by third parties is only covered under the Vollkasko tier; Teilkasko does not include vandalism cover.
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.
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.
Driver/occupant accident insurance
Optional
Die Insassenunfallversicherung leistet nach einem Unfall bei bleibenden Schäden, unabhängig von der Schuldfrage, und kann als Pauschal- oder Platzsystem abgeschlossen werden.
Key conditions
Driver age and experience limit
Für bestimmte Zusatzbausteine (z.B. den optionalen Unfall-Joker) gilt: 'Optional gegen Mehrbeitrag ab Fahreralter 23 möglich'. Ein allgemeines Mindestalter oder eine Mindestfahrerfahrung für den Abschluss der Kaskoversicherung selbst wurde in den verfügbaren Quellen nicht genannt.
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.
Territorial scope
The claims service hotline is reachable worldwide, 24/7; the optional Schutzbrief KH-Plus roadside and travel assistance benefits apply throughout Europe.
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
Der Münchener Verein bietet unterschiedliche Selbstbeteiligungsvarianten für Teil- und Vollkasko an, die Versicherungsnehmer frei wählen können, um den Beitrag zu senken. Konkrete, MV-spezifische SB-Stufen (z.B. 150/300 €) wurden in den durchsuchten Quellen nicht explizit für den MV-Tarif bestätigt, entsprechen aber den branchenüblichen Stufen von 150, 300, 500 oder 1.000 Euro.
Where to buy
Documents
Kfz Insurance Brochure incl. Schutzbrief KH-Plus
Other document
Policy specifics
New price compensation
Replacement value compensation for new vehicles within defined timeframe after first registration
SourcePurchase price compensation
Reimbursement of purchase price within 6 months of first registration
SourceAnimal bite consequential damage
Coverage for damage caused by animal bites and resulting follow-up damage
SourceExtended elemental damage coverage
Coverage for damage from natural hazards including avalanches and mudslides
SourceSpecial equipment coverage
Coverage for special equipment and modifications including technical systems
SourceRental car cost reimbursement
Rental car costs covered via optional Schutzbrief add-on when damages occur beyond 50km from residence
SourceRecovery and towing
Coverage for vehicle recovery and towing to nearest service location with defined cost limits
SourceWorkshop network / Repair arrangement
Optional 'Sorglos-Paket' (carefree package) where insurer selects workshop after claim
SourceGross negligence waiver
Insurer waives right to invoke gross negligence defense in Kasko claims (with few exceptions)
SourceAccident joker / no-claim protection
Optional add-on covering one accident per calendar year without loss of bonus class
SourceBonus class transferability
Bonus/discount class from previous insurer can be transferred to new Münchener Verein policy
SourceE-vehicle battery coverage
Comprehensive coverage for electric vehicle propulsion batteries in Vollkasko at no extra charge
SourceGAP coverage for leased vehicles
Optional coverage closing gap between vehicle replacement value and remaining lease obligation after total loss
SourceSources
- https://www.autoversicherungen-24.de/muenchener-verein-autoversicherung/
- https://www.kfz-versicherung724.de/tarife/e-m/muenchener-verein/kfz-versicherungsvergleich.php
- https://www.muenchener-verein.de/geschaeftskunden/fahrzeuge/kfz-versicherung-flotte/
- https://www.muenchener-verein.de/privatkunden/fahrzeuge/kfz-versicherung/
- https://www.mv-partnernetz.de/privatkunden/fahrzeuge/kfz-versicherung/