NÜRNBERGER Beteiligungs-Aktiengesellschaft (NÜRNBERGER Versicherungsgruppe)
NÜRNBERGER
NÜRNBERGER is a motor casco insurance for the Germany market with no online purchase and limited assistance availability.
Direct payment
If the optional Werkstatt Plus or Werkstatt Service rider is used, the insurer settles repair costs directly with the chosen partner workshop. Outside the partner network, the policyholder pays for repairs and claims reimbursement under the standard Kasko compensation rules (A.2.5 AKB).
Geographic scope
Germany
Europe, the European and Asian parts of Turkey, and non-European territories belonging to the EU (Kasko scope, A.2.4/A.2.5 AKB).
Unique selling points
- Glass damage is always repaired without any deductible (not for full replacement), across all tiers.
- Animal-bite follow-on damage is covered up to 15,000 EUR in the Premium tier, well above the typical entry-level limit.
- New-car purchase price compensation extends to 36 months in Premium, including registration and transport costs up to 1,000 EUR.
- The Fahrer Plus app lets policyholders add temporary drivers for up to 30 days, bookable as much as 21 days in advance.
- E-mobility protection is built in as standard: battery misoperation damage, charging cable/card/wallbox cover, battery disposal costs up to 10,000 EUR, and unlimited towing for battery depletion when combined with the Schutzbrief.
Coverage limits
Own Damage Coverage (Comprehensive/Vollkasko)
Not established from the insurer's documents
Covers damage to, destruction of, or loss of the insured vehicle from accidents, including self-inflicted damage and vandalism, when Vollkasko (comprehensive) cover is selected. Compensation is capped at the vehicle's replacement/new price (Neupreis), not a fixed sum, per A.2.11 AKB.
Total Loss / Purchase Price Compensation
Conditional
For new vehicles, pays the original purchase price (not just replacement value) if a total loss, destruction or theft occurs within a tier-specific window after first registration: Kompakt 12 months, Komfort 24 months, Premium 36 months — each including registration and transport costs up to 1,000 EUR. For used vehicles, pays replacement value plus 15% (Kaufwertentschädigung) within the same tiered windows. The amount is tied to the purchase/replacement price and is not a fixed sum.
Partial Loss / Teilkasko Coverage
Not established from the insurer's documents
Teilkasko covers fire and explosion, theft/robbery/embezzlement/unauthorized use, storm, hail, lightning, flooding, avalanches (incl. roof avalanches), collision with animals of any kind, glass breakage, and short-circuit damage to wiring (A.2.2 AKB). Earthquake and landslide are included only in Komfort and Premium (not Kompakt); ground subsidence (Erdfall) and volcanic eruption are included only in Premium.
Theft and Robbery
Not established from the insurer's documents
Covers theft, robbery, embezzlement (if the vehicle was not entrusted to the perpetrator for their own use), and unauthorized use by persons with no right to use the vehicle (A.2.2.2 AKB). Included under Teilkasko in all tiers.
Glass Damage
Covered
Windscreen/glass repairs are carried out without any deductible in all tiers (does not apply to a full glass replacement, which remains subject to the agreed deductible). Interior cleaning of glass splinters is additionally reimbursed up to 25 EUR net (A.2.5.2.1c AKB).
Natural Hazards (Storm, Hail, Flood, Earthquake, Landslide)
Conditional
Only in Komfort, Premium
Storm, hail, lightning and flooding are covered in all tiers. Earthquake, landslide and avalanches (incl. roof avalanches) are covered only in Komfort and Premium, not in Kompakt. Ground subsidence (Erdfall) and volcanic eruption are covered only in Premium.
Vandalism
Covered
Vollkasko covers damage caused by malicious acts (vandalism) by persons with no right to use the vehicle, in all tiers (A.2.3.3 AKB).
Roadside Assistance (Schutzbrief)
Not established from the insurer's documents
Optional add-on (Schutzbrief), available in all tiers, providing pan-European breakdown, accident and theft assistance: on-site breakdown repair up to 200 EUR, towing up to 300 EUR, return travel and other benefits (A.3.5 AKB).
Replacement Vehicle / Rental Car
€200
Only in Premium
A cash replacement-vehicle/loss-of-use benefit (up to 40 EUR/day, max. 200 EUR) is included only in the Premium tier (via the Komfort Plus rider); not available in Kompakt or Komfort. Independent of tier, the optional Werkstatt Plus rider arranges an in-kind rental car during Kasko repairs, and Werkstatt Service provides a rental car for the repair duration when the insurer's partner workshop network is used.
Driver Accident Protection (Fahrerschutz)
€8,000,000
Only in Komfort, Premium
Fahrerschutz is an optional rider that can only be attached to the MTPL (Kfz-Haftpflicht) contract, not the casco contract itself. It is offered as optional in Komfort and Premium but is not available in Kompakt. It compensates the driver's own injury as if a third party were liable: max. 8 million EUR total, loss of earnings up to 1,500 EUR/month, maintenance claims up to 2,000 EUR/month, household help up to 1,000 EUR/month, and disability-related conversions up to 150,000 EUR.
Key conditions
Driver age and experience limit
Begleitetes Fahren ab 17 (accompanied driving from age 17) grants premium advantages for both the vehicle holder and the learner driver, with a parent-child rule placing the young driver's own later contract into SF-class 3 if the parents already hold NÜRNBERGER cover. The Fahrer Plus app also allows adding temporary drivers for 1–30 days, bookable up to 21 days in advance; no explicit minimum age is stated for this feature in the sources.
Repair network requirements
Using the insurer's Werkstatt Plus or Werkstatt Service partner-workshop network is optional; it unlocks extra benefits (3-year extended repair warranty under Werkstatt Plus, 6-year warranty under Werkstatt Service, pickup/delivery service, rental car provision, and professional cleaning). Repairs outside the network are still reimbursed under the standard Kasko compensation rules (A.2.5 AKB) without these extras.
Territorial scope
Kasko cover applies within the geographic borders of Europe, the European and Asian parts of Turkey, and non-European territories belonging to the EU (A.2.4/A.2.5 AKB).
Anti-theft requirements
The waiver of the gross-negligence objection does not apply if the vehicle, its parts, or keys were stolen due to insufficient securing, or if the loss occurred while driving under the influence of alcohol or other intoxicants; in these cases compensation may be reduced according to the degree of fault.
Claim notification deadline
Generally, any loss event must be reported within one week (E.1.1.1 AKB). Theft/burglary must be reported to the insurer immediately in text form (E.1.3.1) and to the police without delay if the loss exceeds 500 EUR (E.1.3.3).
Deductible rules
A deductible (Selbstbeteiligung) can be freely agreed for Teil- and Vollkasko and is deducted from each claim; it does not apply to glass repairs (only to a full replacement). In Premium (via Komfort Plus), reduced deductibles apply to specific extra benefits: 500 EUR for Eigenschadendeckung and 50 EUR for Parkschadendeckung.
Documents
General Terms and Conditions for Motor Insurance (AKB), KH465_0_202307
Terms & conditions
Autoversicherung Komfort – Benefits Datasheet
Table of benefits
Autoversicherung Kompakt – Benefits Datasheet
Table of benefits
Autoversicherung Kompakt, Komfort and Premium – Comparison Table
Table of benefits
Policy specifics
Partial Casco Coverage Events
Covers damage from fire, theft, burglary, elementar hazards (storm, hail, water), broken glass, and gross negligence in specific tariffs
SourceComprehensive Casco Coverage Events
Covers all partial casco events plus collision damage, self-inflicted accidents, and vandalism
SourceDeductible (Self-Participation) Options
Customizable deductible amounts available for partial and comprehensive casco coverage; affects premium calculation
SourceNew Vehicle Price Compensation
In case of total loss or theft, full purchase price is reimbursed within specified period after first registration
SourceGross Negligence Coverage
Coverage for damage caused by the insured's gross negligence (e.g., unintentionally missing a traffic sign)
SourceAnimal Collision Coverage
Coverage for collisions with wild animals and other animals; bite damage and resulting losses also covered in extended options
SourceRepair Network (Werkstatt Plus)
Optional service where insurer selects and arranges repairs at certified dealer or master workshops using original parts
SourceClaims Processing Speed
Casco claims are paid within 3 business days once all required documentation is complete
SourceUnderwriting Carrier Varies by Tier
The Kompakt tariff is underwritten by GARANTA Versicherungs-AG and NÜRNBERGER Allgemeine Versicherungs-AG, while the Komfort tariff is underwritten by NÜRNBERGER Allgemeine Versicherungs-AG and NÜRNBERGER Beamten Allgemeine Versicherung AG
SourceNo Wear-and-Tear Deduction
Insurer does not deduct for wear-and-tear when new parts replace damaged used parts during repairs
SourceDiscount Protection (Rabattschutz)
One claim per calendar year is 'free' - does not result in downgrade of damage-free class
SourceVehicle Depreciation Compensation
In Premium tariff with Komfort Plus: compensation for depreciation of vehicle value after accident repairs
SourceParking Damage Coverage
Premium Komfort Plus option: Compensation for damage to parked vehicle caused by unknown third parties
SourceSelf-Inflicted Damage Coverage (Eigenschadendeckung)
Premium Komfort Plus option: Covers damage to own vehicle that the insured caused themselves
SourceBrake, Operating, and Rupture Damage (BBB)
Optional coverage for brake failures, operating damages, rupture damage, and turning/torsion damage between vehicle and trailer
SourceReplacement Vehicle / Lost Use Compensation
Compensation for vehicle rental or loss of use during repair period
Source