Öffentliche Versicherungen Oldenburg (comprising Oldenburgische Landesbrandkasse and Öffentliche Lebensversicherungsanstalt Oldenburg)
Öffentliche Oldenburg
Öffentliche Oldenburg is a motor casco insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
Bei vereinbartem Werkstattservice überlässt der Versicherungsnehmer der Öffentlichen Oldenburg im Schadenfall die Auswahl der Werkstatt; die Versicherung nimmt dann direkt Kontakt mit der Reparaturwerkstatt auf und regelt die Abwicklung. Ohne vereinbarte Werkstattbindung besteht freie Werkstattwahl.
Geographic scope
Germany
Roadside assistance (Autoschutzbrief) applies throughout Europe; casco cover follows the standard AKB territorial scope.
Unique selling points
- Premium/E-Premium tiers offer up to 36 months of new-price compensation after first registration in case of total loss, well above the 3-month standard in Basis.
- Collisions with animals of all kinds (not just game) are covered and never affect the no-claims discount.
- The insurer waives the defense of gross negligence in casco claims with only a few exceptions, protecting payouts even after careless mistakes.
- The E-Premium tier includes all-risk battery cover plus coverage for wallboxes, mobile chargers, charging cards and induction charging plates for electric and plug-in hybrid cars.
- The Autoschutzbrief add-on delivers 24/7 one-stop roadside and accident assistance across all of Europe.
Coverage limits
Own damage to the insured vehicle
Covered
Vollkasko covers all Teilkasko perils plus self-caused accidents, vandalism, hit-and-run by the other party, and transport damage on a ship (Havarie-Grosse), across all four tiers (Basis, Komfort, Premium, E-Premium).
New price / purchase value compensation on total loss
Covered
New price compensation on total loss applies for 3 months after first registration in Basis, 18 months in Komfort, and 36 months in Premium/E-Premium. Purchase-value compensation for used vehicles applies for 12 months in Komfort and 18 months in Premium/E-Premium (not available in Basis).
Partial damage / short-circuit unit damage
€1,500 – €20,000
Aggregate (unit) damage caused by an electrical short-circuit is covered up to 1,500 EUR in Basis, 10,000 EUR in Komfort, and 20,000 EUR in Premium and E-Premium.
Theft, robbery and embezzlement
Covered
Damage caused by theft, robbery or embezzlement of the vehicle is covered in all four tiers, with no separate monetary sub-limit stated beyond the vehicle's insured value.
Glass breakage and glass repair
Covered
Glass breakage and glass repair are covered in all four tiers with no separate monetary sub-limit stated.
Storm, hail, lightning, flood and other natural hazards
Covered
Storm, hail, lightning and flood, as well as avalanches (including roof avalanches), landslide and subsidence, are covered in all four tiers. Earthquake and volcanic eruption are only covered from Komfort upward and are excluded in Basis.
Vandalism
Covered
Vandalism damage to the vehicle is covered under Vollkasko in all four tiers (Basis, Komfort, Premium, E-Premium).
Roadside assistance (Autoschutzbrief)
Optional
Only in Basis, Komfort
The Autoschutzbrief provides fast, all-in-one assistance across Europe for breakdowns, accidents or theft, and is available as an optional add-on ('auf Wunsch') on the Basis and Komfort MTPL tariffs.
Replacement vehicle / rental car
No limit stated
No replacement-vehicle or rental-car benefit is mentioned in the available sources for this product.
Driver/occupant accident insurance
Optional
Fahrerschutz protects the driver against the financial consequences of a self-caused accident; Insassenschutz extends the same protection to all occupants via an occupant accident insurance for death and disability on a lump-sum basis, including loss-of-earnings compensation and survivor benefits. Presented as a separate, addable cover alongside the core casco tiers.
Key conditions
Driver age and experience limit
Not specified in the available sources.
Repair network requirements
The Werkstattservice (reduced casco premium in exchange for allowing the insurer to select the repair shop after a claim) is mandatory in Basis and optional ('auf Wunsch') in Komfort, Premium and E-Premium; it does not apply to leased vehicles.
Territorial scope
The Autoschutzbrief provides breakdown/accident assistance throughout Europe; from Komfort upward, the Mallorca-Police extends liability cover to rented foreign vehicles driven abroad.
Anti-theft requirements
Not specified in the available sources.
Claim notification deadline
Not specified in the available sources.
Deductible rules
Choosing the Werkstattservice reduces the casco premium in exchange for accepting the insurer's choice of repair shop. Rabattschutz (no-claims protection) requires at least SF-Klasse 5 in both MTPL and casco, no claim in the current calendar year at inception, and a minimum 12-month term; in MTPL it can only be agreed together with the Autoschutzbrief. The insurer also waives the defense of gross negligence in casco claims with few exceptions, so benefits are generally not reduced for grossly negligent conduct.
Policy specifics
New price compensation
New vehicle compensation for total loss within specified period after first registration
SourceSports equipment coverage
Coverage for damage to sports equipment attached to vehicle up to 1,000 EUR
SourceAnimal-bite damage to hoses/cables and consequential damage
Damage from animal bites to hoses, cables, lines, insulation and cuffs in the engine compartment, plus resulting consequential damage, is covered up to 10,000 EUR in Komfort and up to 20,000 EUR in Premium/E-Premium; not covered in Basis.
SourceOwn damage to other insured vehicles/buildings
Own damage caused to other cars, camping vehicles or buildings that are also insured by the policyholder with Öffentliche Oldenburg is covered up to 100,000 EUR.
SourceEV charging equipment and battery all-risk cover
The E-Premium tier covers wall charging stations up to 3,000 EUR, mobile charging stations up to 3,000 EUR, charging cards up to 100 EUR, induction charging plates up to 1,000 EUR, overvoltage damage from lightning strike up to 20,000 EUR, and an all-risk cover for the battery (with exceptions such as wear or manufacturer material defects).
SourceDiscount protection
Optional add-on protecting no-claims discount; one accident per year does not reduce discount level
SourceGross negligence
Insurer waives defense of gross negligence in casco claims with few exceptions
SourceAnimal collision damage
Collisions with wild animals covered under casco; also covers all other animal collisions
SourceGross negligence
The insurer waives the defense of gross negligence in casco claims with few exceptions.
Source