Neodigital Autoversicherung AG

Driver age and experience limit

The provided terms do not specify a minimum driver age or licence-holding period for Kasko cover; any driver holding the licence required for the vehicle type is covered, subject to the general obligations on vehicle use (D.1).

Repair network requirements

Repairs can be carried out at a workshop of the policyholder's choice; if the optional 'Werkstattbindung' module is agreed, Neodigital selects a DEKRA-certified partner workshop in exchange for cost savings, a 6-year repair guarantee, use of original parts and additional services such as a courtesy car and pick-up/drop-off service.

Territorial scope

Kasko cover applies within the geographical borders of Europe and the non-European territories belonging to the EU; no cover exists in Russia and Belarus.

Anti-theft requirements

No specific anti-theft device (e.g. alarm system or tracker) is mandated in the terms; theft cover applies as long as the policyholder did not enable unauthorised use or theft through own fault (see D.1).

Claim notification deadline

Any claim must be reported within one week (a verbal or telephone notice suffices); theft or loss of the vehicle or co-insured items must be reported in writing (Textform), and theft, fire or animal-collision losses exceeding €1,000 must additionally be reported to the police without delay.

Deductible rules

If an excess (Selbstbeteiligung) is agreed, it is deducted from the claim payment for every loss event as stated in the policy schedule; the excess is waived for windscreen repair (not replacement) carried out at an agreed partner workshop, and the NEO L Eigenschadenversicherung module carries its own fixed excess of €500 per claim.

GAP coverage

Covers the gap between the vehicle's actual cash value and remaining loan/lease balance after total loss or theft

Electric vehicle charging equipment coverage

Special coverage for electric and hybrid vehicles including charging cables, charging cards, installed wallboxes, induction plates and mobile chargers up to 5,000 EUR per loss

Discount protection (Rabattschutz)

First damaging claim in a calendar year does not result in downgrading of no-claims discount in liability and/or comprehensive coverage

Workshop binding / Partner workshop clause

Optional module allowing cost savings through selection of partner repair workshops approved by Neodigital

NEO L own-damage liability cover (Eigenschadenversicherung)

Covers damage the policyholder causes while using the insured vehicle to another vehicle registered to them, a building they own, or other property they own, up to €100,000 per insurance year with a €500 excess per claim; only included in the NEO L tariff (NEO L Leistungserweiterung), not in NEO M.

NEO L additional benefits bundle

NEO L additionally includes an extended new-price compensation period of 36 months (vs. 24 months in NEO M), a purchase-value compensation for used vehicles within 36 months of first registration, cover for brake/operating/breakage damage, and cover for damaged sports equipment in or on the vehicle up to €5,000 per insurance year.

Accident damage and vandalism coverage

Only comprehensive (Vollkasko) insurance covers accident damage to own vehicle and vandalism; partial coverage does not include these

New/purchase price compensation

For new vehicles: replacement value compensation up to 24 months after first registration; for used vehicles: purchase price compensation

Direct claims settlement vs. reimbursement

Neodigital settles claims through direct payment to approved partner repair workshops or reimburses policyholder depending on chosen service model