Öffentliche Versicherung Braunschweig (comprising Öffentliche Sachversicherung Braunschweig and Öffentliche Lebensversicherung Braunschweig)

Driver age and experience limit

No specific driver age or experience limit for casco cover was found in the retrieved official sources.

Repair network requirements

Repair is free-choice by default; under the optional Werkstattservice Plus the insurer selects a certified partner workshop and, in return, grants a 15% discount on the casco premium plus pick-up/return service, cleaning and an extended 48-month repair warranty.

Territorial scope

Casco cover applies within Europe and the non-European territories of the EU member states; the scope can be restricted or extended by special agreement, e.g. with an international insurance card for non-European countries.

Anti-theft requirements

No specific anti-theft device requirements were found in the retrieved official sources.

Claim notification deadline

The policyholder must report any insured event to the insurer as soon as practicable, with as accurate a description of the facts as possible and information on any related administrative or court proceedings; late notification can lead to reduced or refused benefits.

Deductible rules

The policyholder bears a deductible per claim as agreed in the contract; the amount varies by chosen tariff and coverage variant and can be adjusted by the customer to reduce the premium.

Animal collision coverage

Coverage for damages caused by collision with wild or domestic animals on public roads

Glass breakage coverage

Coverage for breakage of windscreen, side windows, rear windows, and roof windows

Short circuit and overvoltage damage coverage

Coverage for vehicle wiring short circuit damage and overvoltage damage to adjacent aggregates (alternator, battery, starter, drive accumulator) up to EUR 3,000

Animal bite damage coverage

Coverage for direct damage caused by animal bites; damage to insulation material and interior upholstery excluded; consequential damage limited

Fire and explosion coverage

Coverage for damage caused by fire or explosion to the insured vehicle

Theft and robbery coverage

Coverage for damage caused by theft, robbery, or unauthorized use of the vehicle; includes damage to vehicle parts

Elementary and weather damage coverage

Coverage for damages from storm, hail, flooding, landslide, avalanche, and other natural weather events

New value compensation

Full replacement value coverage for new vehicles within specified time period after first registration

Coverage extension to legal entity interests

Casco coverage extends to other parties with a contractual interest in the vehicle, e.g. a leasing company as registered owner.

Geographic scope of coverage

Casco coverage applies within the geographic boundaries of Europe and EU external territories; may be extended to non-European countries with international insurance card

Deductible (self-retention)

Insured bears deductible per claim as specified in policy; amount varies by selected tier and coverage variant

Workshop service network condition

Optional Werkstattservice Plus allows insurer to select certified partner workshop; insured receives 15% premium discount on casco coverage in exchange

Claim notice obligation

Insured must report all loss of life, injury, or property damage as soon as practicable; notice must include detailed description of facts and any administrative/legal proceedings

Repair approval requirement

Insured must obtain insurer approval before commencing repairs; repair cost estimation required

Accident reporting and documentation procedures

In case of accident damage, photographic documentation of incident scene recommended; exchange of contact details and insurance information with third parties required; immediate notification to insurer mandatory