Öffentliche Feuerversicherung Sachsen-Anhalt and Öffentliche Lebensversicherung Sachsen-Anhalt (trading jointly as ÖSA Versicherungen)

Driver age and experience limit

Regular use of the vehicle by third parties is only permitted if they are at least 23 years old; the 'Begleitetes Fahren mit 17' programme allows 17-year-old learner drivers to be added without extra premium surcharges when accompanied.

Repair network requirements

Policyholders who let ÖSA select the repair shop via the Werkstattservice benefit from free pickup/delivery, a courtesy car, and an extended repair warranty (up to 6 years instead of the standard 2 years); if a different workshop is used without prior contact, ÖSA only reimburses 85% of the otherwise calculated benefit.

Territorial scope

Comprehensive cover applies within the geographical boundaries of Europe and the non-European territories belonging to the EU; coverage can be extended to further non-European countries listed on the International Motor Insurance Card.

Anti-theft requirements

Key/lock replacement after a break-in or robbery is only covered if the keys were not stolen from inside the vehicle or from a key safe attached to the vehicle; unlawful acquisition of access data for keyless entry systems is treated as theft of the vehicle keys.

Claim notification deadline

Any loss event must generally be reported within one week; theft or loss of the vehicle or insured parts must be reported immediately in writing, and theft, fire or animal-collision damage exceeding EUR 500 must be reported to the police immediately.

Deductible rules

An agreed deductible is subtracted from the claim payment for every loss event and every insured vehicle, as stated in the policy schedule; the deductible is waived for a professionally repaired glass-breakage claim if the policyholder uses the workshop selected by ÖSA.

Partial Comprehensive Coverage (Teilkasko)

Covers damages to vehicle from theft, fire, storm, hail, animal bites, broken glass, and other specified events, but excludes self-inflicted accidents

Full Comprehensive Coverage (Vollkasko)

Includes all partial comprehensive coverage plus damages from self-inflicted accidents, vandalism, and additional extended coverage options

Glass Breakage Coverage

Covers damage to vehicle glazing including windshield, rear window, side windows, roof panel, partition windows, mirror glass, and light covers. Does not cover glass/plastic parts of measurement, assistance, camera, information systems, solar modules, displays, or monitors

Vehicle Key Replacement and Recoding

Covers cost of recoding or replacement of door and steering wheel locks and keys when vehicle keys are stolen during theft or robbery. Applies to wireless and wireless access systems

Value Loss Compensation

Compensation for vehicle depreciation as a result of repairs following a partial comprehensive or full comprehensive claim (5% of repair costs, max EUR 2,500)

Vehicle Storage Costs

Covers vehicle storage and parking costs following an insured comprehensive claim up to EUR 300

GAP Insurance (Guaranteed Asset Protection)

Covers the difference between the outstanding loan/lease amount and actual cash value in case of total loss or theft for passenger vehicles

Vandalism Coverage

Covers willful and malicious damage to vehicle by third parties (mut- und böswillige Handlungen)

Sports Equipment Coverage

Covers replacement of sports equipment attached with approved holders on exterior of vehicle in case of accident up to EUR 1,000

Own Property Damage Coverage

Covers damage to own vehicles and buildings insured with OESA on the policyholder's name (e.g., damage to own garage door or second vehicle)

Electric Vehicle Extended Coverage (E-Vollkasko Premium)

Special full comprehensive option for electric and hybrid vehicles including mobile charger/charging station coverage (up to EUR 3,000), animal bite/short circuit coverage (up to EUR 20,000), and all-risk battery protection

Basis Tariff Restrictions

The Basis tariff (entry-level comprehensive insurance) applies only to passenger vehicles (PKW) and has significant service limitations including exclusion of consequential damages, key replacement, vehicle storage costs, and value loss compensation

Claims Payment Method

Valid damage claims are paid in cash (Schadenersatz in Geld); invalid or unjustified claims are rejected at OESA's expense; claims are assessed and paid based on contract terms and applicable law

Partner Workshop Network (Werkstattservice)

OESA provides mediation and referral to partner workshops nationwide with premium discounts (Werkstattservice: Die ÖSA vermittelt eine passende Werkstatt bundesweit mit Beitragsvergünstigung)

Contract Formation Timeline

Contract is concluded if OESA accepts the application or does not reject it within 14 days of receipt; insurance coverage begins on the date specified in the policy document if payment obligation is fulfilled

Consequential Damage Exclusion

Consequential damages (such as catalytic converter or engine damage) resulting from insured events are specifically excluded in Basis tariff

Discount Protection (Rabattschutz)

Optional add-on coverage protecting no-claims discount against reduction following one at-fault accident per calendar year in motor liability and full comprehensive insurance

Motorability Assistance (Fahrer Schutz)

Personal accident coverage for driver if injured or killed in accident while operating the insured vehicle

Contract Language and Jurisdiction

German law applies to the motor comprehensive insurance contract; contract language is German; German domestic courts have jurisdiction in disputes

Motor Liability Injury Compensation Limit

Motor liability (Haftpflicht) comprehensive coverage limit: 100 million EUR total for all personal injury, property damage, and financial loss claims (maximum limits apply)