Extracted from source documents

rhion.digital Casco (own-damage car insurance) (Kfz Kasko)

Underwritten by Rhion Versicherung AG · Germany

casco (own-damage car insurance) from rhion.digital for the Germany market, with 24/7 assistance.

Verified Aug 28, 2026 · Terms dated 2025-10-01Sources

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Key facts

rhion.digital

Unique selling points

Purchase-price compensation for recently bought used cars up to 36 months after purchase in the Premium tier.

No 'new for old' wear deduction on repairs in Plus and Premium (except EV/hybrid batteries).

The Werkstattservice ServicePlus (free replacement vehicle, collection/delivery, 6-year extended warranty) can be used in any casco claim even if not explicitly included in the contract.

Glass breakage repairs are settled with no deductible when reported via the hotline and repaired at a partner workshop.

Elektro-Inhaltsversicherung in Premium covers carried charging equipment up to 2,000 EUR with no deductible applied.

Coverage limits

Covered

Own-Fault Accident Damage (Comprehensive)

Covered

The Vollkasko (comprehensive) component covers damage to the insured vehicle from accidents caused by the policyholder or with unclarified fault, included in Standard, Plus and Premium. Compensation is capped at the vehicle's new price (Neupreis) per A.2.13 AKB.

Clause A.2.13Page 11 von 26

Section: A Welche Leistungen umfasst Ihre Kfz-Versicherung? > A.2 Kaskoversicherung > A.2.13

Unsere Höchstentschädigung ist beschränkt auf den Neupreis des Fahrzeugs.

Covered

Total Loss, Destruction or Loss Compensation

Covered

Pays the wiederbeschaffungswert (replacement value) less residual value on total loss/destruction/loss. New-value compensation after first registration applies up to 12 months in Standard (Pkw only), 24 months in Plus, and 36 months in Premium; purchase-price compensation for recently purchased used vehicles applies up to 24 months (Plus) or 36 months (Premium). Overall compensation is capped at the vehicle's new price (Neupreis).

Clause A.2.6.1Page 8 von 26

Section: A Welche Leistungen umfasst Ihre Kfz-Versicherung? > A.2 Kaskoversicherung > A.2.6.1

Bei Totalschaden, Zerstörung oder Verlust des Fahrzeugs zahlen wir den Wiederbeschaffungswert unter Abzug eines vorhandenen Restwerts des Fahrzeugs.

Covered

Partial Damage / Repair Cost Coverage

Covered

Reimburses repair costs up to the replacement value of the vehicle. Standard applies a partial 'new for old' wear deduction; Plus and Premium waive this deduction entirely (except EV/hybrid batteries). Additional repaint costs (Beilackierung) are covered up to 500 EUR in Plus and unlimited in Premium.

Clause A.2.7.1Page 9 von 26

Section: A Welche Leistungen umfasst Ihre Kfz-Versicherung? > A.2 Kaskoversicherung > A.2.7.1

Wird das Fahrzeug beschädigt, zahlen wir die für die Reparatur erforderlichen Kosten bis zu folgenden Obergrenzen

Covered

Theft, Robbery and Unauthorized Use

Covered

Covers theft, theft without break-in traces (e.g. keyless-go systems) and robbery in all tiers. Unterschlagung (misappropriation) is limited in Standard/Plus but unrestricted in Premium (e.g. during a test drive). An 'Emotionsbonus' of 500 EUR (Plus/Premium) is paid if a stolen vehicle is recovered and stays in the policyholder's possession for at least 6 months. Compensation is capped at the vehicle's new price.

Clause A.2.2.2Page 6 von 26

Section: A Welche Leistungen umfasst Ihre Kfz-Versicherung? > A.2 Kaskoversicherung > A.2.2.2

Versichert ist die Entwendung des Fahrzeugs und seiner mitversicherten Teile durch Diebstahl, Diebstahl ohne Einbruchsspuren (z. B. bei Keyless Go-Systemen) und Raub.

Covered

Glass Breakage

Covered

Covers breakage damage to vehicle glazing in all tiers, based on manufacturer specifications. No deductible applies if the windshield is repaired (rather than replaced) after being reported via the hotline and repaired at a partner workshop. Plus/Premium additionally cover interior cleaning after glass damage and replacement of environmental stickers/vignettes.

Clause A.2.2.5Page 6 von 26

Section: A Welche Leistungen umfasst Ihre Kfz-Versicherung? > A.2 Kaskoversicherung > A.2.2.5

Versichert sind Bruchschäden an der Verglasung des Fahrzeugs. Folgeschäden sind nicht versichert.

Covered

Natural Hazards (Storm, Hail, Flood, Natural Catastrophes)

Covered

Storm (from wind force 8), hail, lightning strike and flood damage are covered in all tiers. Plus and Premium extend cover to natural catastrophes such as volcanic eruptions, avalanches (including roof avalanches), landslides/mudflows and earthquakes. Compensation is capped at the vehicle's new price.

Clause A.2.2.3Page 6 von 26

Section: A Welche Leistungen umfasst Ihre Kfz-Versicherung? > A.2 Kaskoversicherung > A.2.2.3

Versichert ist die unmittelbare Einwirkung von Sturm, Hagel, Blitzschlag oder Überschwemmung auf das Fahrzeug.

Covered

Vandalism / Malicious Acts

Covered

Vollkasko covers malicious/vandalism acts by unauthorized third parties in all tiers, including consequences of a direct hacker attack on the vehicle software. Additionally, a Parkschadenversicherung covers minor bodywork damage (e.g. paint scratches, dents) on vehicles up to 60 months old: up to 250 EUR (50 EUR own contribution) in Plus and up to 550 EUR (50 EUR own contribution) in Premium; not available in Standard. General vandalism damage is capped at the vehicle's new price.

Clause A.2.2.9Page 7 von 26

Section: A Welche Leistungen umfasst Ihre Kfz-Versicherung? > A.2 Kaskoversicherung > A.2.2.9 Parkschadenschutz

Der maximale Rechnungsbetrag ist begrenzt auf - 250 Euro in der Plus-Deckung und - 550 Euro in der Premium-Deckung.

Optional

Roadside Assistance (Kfz-Schutzbrief ONroad)

€500

Optional add-on (individually agreed), available across Standard, Plus and Premium for Pkw, Krad, Wohnmobil and Lieferwagen. Covers breakdown assistance/towing up to 500 EUR, vehicle recovery, misfuelling cost coverage up to 2,000 EUR, and overnight/rental car/return transport costs from 50 km distance. Assistance is available Europe-wide, 24/7, but benefits are only paid if arranged through rhion.digital.

Clause 5.1Page 1 von 5

Section: Anhang 11 – Besondere Vereinbarung zum Kfz-Schutzbrief ONroad > 5. Welche Hilfe leisten wir bei Panne oder Unfall?

Der Höchstbetrag für diese Leistung beläuft sich einschließlich der vom Pannenhilfsfahrzeug mitgeführten und verwendeten Kleinteile auf 500 Euro.

Conditional

Replacement Vehicle

€560

Via the Werkstatt-Service repair network (usable even if not explicitly contracted), policyholders receive a free class-A replacement vehicle for the duration of the repair, up to 4 weeks, when the vehicle is repaired at a partner workshop. In Premium only, a rental car is additionally covered after total loss or theft up to 80 EUR/day for a maximum of 7 days (up to 560 EUR), valid only for claims in Germany.

Clause A.2.7.7Page 9 von 26

Section: A Welche Leistungen umfasst Ihre Kfz-Versicherung? > A.2 Kaskoversicherung > A.2.7.7 Mietwagen bei Totalschaden

erstatten wir Ihnen bei Vereinbarung der Premium-Deckung die Kosten für die Anmietung eines Mietfahrzeugs in Höhe von 80 Euro pro Tag für höchstens 7 Tage.

Optional

Driver Accident Protection (Fahrerschutzversicherung)

€15M

Optional add-on covering personal injury of the driver in a self-caused accident or unclarified fault situation, paid as if a third-party liability insurer were liable (e.g. pain and suffering compensation, loss of earnings, household help costs, costs for disability-related conversions). Maximum compensation is 15 million EUR per claim.

Clause 5.2Page 1 von 2

Section: Besondere Bedingungen für die Fahrerschutzversicherung > 5. Welche Leistungen und Zahlungsvoraussetzung

Die Höchstentschädigung ist auf 15 Millionen Euro je Schadenfall begrenzt.

Key conditions

Driver age and experience limit

The optional Rabattschutz (no-claims-class protection) requires the driver to be at least 23 years old and the contract to already be in SF-Klasse 5 or higher (SF 3 in Premium). Second-vehicle SF-discount for partners requires both drivers to be at least 23 with a driving licence held for at least 1 year. Accompanied driving ('begleitetes Fahren') from age 17 is possible under statutory conditions.

Repair network requirements

For the Werkstatt-Service, Rhion selects the repair workshop from its DIN ISO 9002-certified partner network; using this network is required to receive the free replacement vehicle, collection/delivery service and extended 6-year workshop warranty, and glass damage is repaired without deductible only if reported via the hotline and repaired at a partner workshop.

Anti-theft requirements

The terms and conditions do not mandate a specific anti-theft device; theft without break-in traces (e.g. keyless-go systems) is explicitly covered regardless of anti-theft equipment.

Claim notification deadline

General claims must be reported within one week. In case of theft/entwendung, notification must be made immediately in text form (e.g. letter, fax, email). Claims from theft, fire or animal collision exceeding 200 EUR (Standard/Plus) or 1,000 EUR (Premium) must be reported to the police immediately.

Deductible rules

The agreed deductible (as stated in the policy schedule) is deducted from every claim payment. Glass breakage claims are settled without deducting the deductible if repaired (not replaced) and reported via the hotline at a partner workshop. Parkschadenversicherung claims carry a fixed 50 EUR own contribution regardless of the otherwise agreed deductible.

Direct payment

In the Werkstatt-Service (repair network), Rhion selects a certified partner workshop and settles the repair invoice directly with the workshop; the policyholder pays only the agreed deductible directly to the workshop.

Territorial scope

Coverage applies within the geographic borders of Europe and the non-European territories belonging to the European Union.

Documents

General Terms and Conditions for Motor Insurance (AKB), effective 10/2025 (opens in a new tab)

Terms & conditions · PDF

Consumer Information incl. Right of Withdrawal (NK 2901-VI) (opens in a new tab)

Policy specifics

Partial and Comprehensive Casco Coverage Structure

Rhion offers both Partial Casco (Teilkasko) and Comprehensive Casco (Vollkasko) with three tiers: Standard, Plus, and Premium, each with different coverage levels and additional services

Source

Section: Kfz-Versicherung > Lesen Sie hier weiter > Leistungen > 2. Optionaler Schutz: Kaskoversicherung

Mit einer Kaskoversicherung bauen Sie Ihren Grundschutz aus. Sie haben die Wahl zwischen einem Teil- oder Vollkasko-Schutz und können die Leistungen mit einer Standard-, Plus- und Premium-Deckung anpassen.

Repair Network Service (Werkstattservice)

Rhion offers optional repair network service (Werkstattservice) where customers can have their vehicle repaired at certified partner workshops in case of comprehensive/partial casco claims

Source

Section: Kfz-Versicherung > Werkstattservice

Im Kasko-Schadenfall können alle Kfz-Versicherten von rhion.digital auf den Werkstattservice zugreifen: Ein Anruf und das Fahrzeug wird von einer unserer zertifizierten Partnerwerkstätten repariert.

Deductible (Selbstbeteiligung) Options

Customers can choose deductibles for partial and comprehensive casco coverage from multiple options including no deductible up to 1000 EUR

Source

Electric Vehicle Additional Coverage

Plus and Premium tiers include automatic coverage for electric vehicle-specific risks including operating-error damage, battery disposal costs up to 4,000 EUR, and charging station damage up to 2,500 EUR.

Source

Section: Kfz-Versicherung > Highlights

Leistungen für Elektrofahrzeuge ohne Mehrpreis mitversichert (Plus und Premium)

Glass Breakage Coverage (Glasbruch)

Windshield and vehicle glass breakage is covered without deductible when reported through the service hotline and repaired at a partner workshop

SourcePage Seite 16/23

Section: 6. SCHADENSERVICES UND KUNDENBETREUUNG > Glasschäden: Reparatur und Extras

Besonderer Vorteil bei Reparatur: Wird eine Windschutzscheibe repariert statt ausgetauscht, entfällt die vereinbarte Selbstbeteiligung – vorausgesetzt, der Schaden wurde über die Hotline gemeldet und in einer Partnerwerkstatt behoben.

No Deduction for New Parts (Neu für Alt)

In Plus and Premium, full reimbursement for damaged parts replaced with new parts without a 'new for old' deduction (except batteries of electric and hybrid vehicles); Standard applies a partial deduction only.

Source

Section: Kfz-Versicherung > Lesen Sie hier weiter > Leistungen > 2. Optionaler Schutz: Kaskoversicherung

Kein Abzug "neu für alt" , d.h. volle Erstattung trotz Wertsteigerung durch die Reparatur eines Kaskoschadens mit neuen Teilen (Ausnahme: Batterien von Elektro- und Hybridfahrzeugen)

Replacement Vehicle During Repair

Free replacement vehicle provided for duration of repair up to maximum 4 weeks when using Werkstattservice

Source

Section: Kfz-Versicherung > Werkstattservice

Kostenloses Ersatzfahrzeug für die Dauer der Reparatur (max. 4 Wochen)

Animal Collision Coverage (Tierbiss/Zusammenstoß)

Collision with wild animals (game) and bites/attacks by animals are covered in both partial and comprehensive casco without limitation

Source

Section: Kfz-Versicherung > Lesen Sie hier weiter > Umfang

Zusammenstoß mit Tieren, und das ohne Eingrenzung

Software Manipulation Protection

Standard coverage includes protection against consequences of software manipulation directly targeting the insured vehicle

Source

Section: Gute Fahrt! Natürlich mit rhion.digital

Die Kfz-Versicherung von rhion.digital bietet nun standardmäßig Schutz vor den Folgen einer unmittelbar gegen das versicherte Auto gerichteten Softwaremanipulation.

New Vehicle Purchase Price Protection (1-3 years)

Full new vehicle purchase price (or equivalent new model price) reimbursed in total loss for vehicles within 1-3 year protection period

SourceClause A.2.6.2Page 8 von 26

Section: A Welche Leistungen umfasst Ihre Kfz-Versicherung? > A.2 Kaskoversicherung > A.2.6.2 Neupreisentschädigung

zahlen wir den Neupreis des Fahrzeugs gemäß A.2.13, wenn nach dessen Erstzulassung innerhalb von - 12 Monaten in der Standard-Deckung, - 24 Monaten in der Plus-Deckung bzw. - 36 Monaten in der Premium-Deckung eine Zerstörung oder ein Verlust eintritt oder bei einer Beschädigung die erforderlichen Kosten der Reparatur mindestens 80 % des Neupreises betragen.