Pending review

Öffentliche Versicherung Braunschweig Casco (own-damage car insurance) (Kfz Kasko)

Underwritten by Öffentliche Sachversicherung Braunschweig · Germany

casco (own-damage car insurance) from Öffentliche Versicherung Braunschweig for the Germany market, with online purchase and 24/7 assistance.

Verified Aug 28, 2026 · Terms dated 2025-09Sources

Online purchase24/7 helpline

Unique selling points

Werkstattservice Plus gives a 15% discount on the casco premium plus pick-up/return service, vehicle cleaning, and an extended 48-month repair warranty.

For leased or loan-financed cars, GAP cover is included at no extra premium.

The Premium tariff offers all-risk protection including tyre cover (Reifenschutz), which many insurers charge extra for.

Electric vehicle charging stations and home wall-chargers are co-insured under casco up to EUR 1,000.

The insurer waives the objection of gross negligence for casco claims in this tariff line.

Coverage limits

Conditional

Own damage (self-inflicted accident damage)

Conditional

Damage to the insured vehicle from a self-inflicted accident is covered only if Vollkasko (comprehensive) is selected on top of the Basis/Komfort/Premium tariff; there is no fixed sum insured, compensation is capped at the vehicle's replacement value.

Section: Unsere Kfz-Versicherung im Überblick > Vollkasko

Auch erfahrene Fahrer sind nicht vor Pannen oder Fehlern sicher. Sie rutschen auf glatter Straße in eine Leitplanke oder Ihr geparktes Auto wird mutwillig zerkratzt. Die Vollkasko deckt neben Teilkasko-Schäden auch selbstverschuldete Unfälle oder Vandalismus ab.

Covered

Total loss

Covered

No limit stated

Covered

Partial damage / repair cost cover

Covered

Repair costs for partial damage from Teilkasko perils (theft, fire, glass breakage, weather, animal collision) are covered as part of the base tariff; partial damage from self-inflicted accidents or vandalism is only covered if Vollkasko is added. No fixed sum insured is stated; compensation is limited to the vehicle's replacement value.

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Covered

Theft and robbery

Covered

Damage from theft, robbery, or unauthorized use of the vehicle, including theft of vehicle parts, is covered under the Teilkasko component included in all three tariffs (Basis, Komfort, Premium). No fixed sum insured; compensation is capped at the vehicle's replacement value.

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Covered

Glass breakage

Covered

Breakage of windscreens, side windows, rear windows and roof windows is covered under Teilkasko, included in all three tariffs.

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Covered

Weather / elementary damage (storm, hail, flood)

Covered

Damage from storm, hail, flooding, landslide, avalanche and other natural weather events is covered under Teilkasko, included in all three tariffs.

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Conditional

Vandalism

Conditional

Damage from vandalism (mutwillige Beschädigung) is only covered if Vollkasko is selected in addition to the base Basis/Komfort/Premium tariff; Teilkasko alone does not cover vandalism.

Section: Unsere Kfz-Versicherung im Überblick > Vollkasko

Die Vollkasko deckt neben Teilkasko-Schäden auch selbstverschuldete Unfälle oder Vandalismus ab.

Optional

Roadside assistance / breakdown cover (Autoschutzbrief)

Optional

The Autoschutzbrief is presented as a separately bookable module providing 24/7 Europe-wide assistance for accident, breakdown or illness, arranging towing, return transport or hotel accommodation.

Section: Weitere Zusatzleistungen zur Kfz-Versicherung

Ob Unfall, Panne oder Krankheit – mit dem Autoschutzbrief bleiben Sie mobil. Ein Anruf genügt, und wir organisieren Abschleppdienst, Rücktransport oder Hotelübernachtung. So sind Sie und Ihre Mitfahrenden europaweit rund um die Uhr abgesichert.

Replacement vehicle / rental car

No limit stated

Driver accident protection (Fahrerschutz)

Not established from the insurer's documents

Fahrerschutz, covering medical treatment, loss of earnings or conversion costs for the driver injured in an accident, can be added ('hinzubuchbar') in all three tariff variants (Basis, Komfort, Premium).

Third-party source, not the insurer's document

Section: Der Kfz Basis-Tarif

In allen drei Tarifvarianten ist ein Fahrerschutz und der Werkstattservice Plus, wie die Werkstattbindung bei der Öffentlichen Versicherung Braunschweig heißt, hinzubuchbar.

Key conditions

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.

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.

Direct payment

Under the optional Werkstattservice Plus, Öffentliche selects a certified partner workshop and settles the repair invoice directly as part of the casco cover, in exchange for a 15% premium discount.

Territorial scope

Casco cover applies within the geographic boundaries of Europe and the non-European territories of the EU member states; scope may be restricted or extended by special agreement, e.g. via an international insurance (green) card for non-European countries.

Documents

Contractual terms for motor vehicle insurance (AKB-V) (opens in a new tab)

Terms & conditions · PDF

Policy specifics

Animal collision coverage

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

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Glass breakage coverage

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

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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

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Animal bite damage coverage

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

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Fire and explosion coverage

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

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Theft and robbery coverage

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

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Elementary and weather damage coverage

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

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New value compensation

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

Source

Section: Sicher unterwegs mit dem Kfz-Schutz, der zu Ihnen passt

Neuwert- oder Kaufpreisentschädigung

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.

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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

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Deductible (self-retention)

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

Source

Section: Ihre Kfz-Beitragsrechnung einfach erklärt > Versicherungsumfang

Kaskoversicherung: Ersetzt Schäden an Ihrem eigenen Fahrzeug. Hierbei ist zwischen einer Vollkasko- oder Teilkaskoversicherung zu unterscheiden und den jeweils vereinbarten Selbstbeteiligungen im Schadensfall.

Workshop service network condition

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

Source

Section: Ihre Vorteile beim Werkstattservice Plus > Deutlich günstiger als Kfz-Verträge ohne Werkstattservice Plus.

Mit unserem Werkstattservice Plus profitieren Sie von einem attraktiven Preisvorteil: Sie erhalten 15 % Beitragsnachlass auf Ihren Kaskobeitrag.

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

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Repair approval requirement

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

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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

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Section: Ihre wichtigsten Fragen zur Mobilität

Ideal wäre es, wenn Sie bei einem Unfallschaden den Unfall per Foto dokumentieren könnten. Sollten Sie die Polizei rufen, sind Sie auf der sicheren Seite.

Sources

Öffentliche Versicherung Braunschweig Casco (own-damage car insurance)

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