Reviewed from source documents

Rhion Versicherung AG

rhion.digital

rhion.digital is a motor casco insurance for the Germany market with no online purchase and 24/7 assistance.

Last verified Aug 28, 2026Reviewed by: Boleron EUTerms & conditions: 2025-10-01Underwritten by: Rhion Versicherung AG
24/7 helpline

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.

Geographic scope

Germany (nationwide)

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

Unique selling points

  • Purchase-price compensation for recently bought used cars up to 36 months after purchase in the Premium tier, well beyond typical market practice.
  • No 'new for old' wear deduction on repairs in Plus and Premium, unlike most insurers who apply age-based depreciation.
  • 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

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.

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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).

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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.

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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.

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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.

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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.

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Vandalism / Malicious Acts

€250 – €550

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.

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Roadside Assistance (Kfz-Schutzbrief ONroad)

€500 – €2,000

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.

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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.

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Driver Accident Protection (Fahrerschutzversicherung)

€15,000,000

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.

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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.

Territorial scope

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

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.

Documents

General Terms and Conditions for Motor Insurance (AKB), effective 10/2025

Terms & conditions

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Consumer Information incl. Right of Withdrawal (NK 2901-VI)

Other document

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Comparison of Benefits Standard/Plus/Premium (Anhang 8)

Table of benefits

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Terms & Conditions overview page

Other document

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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

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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

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Deductible (Selbstbeteiligung) Options

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

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Electric Vehicle Additional Coverage

Plus and Premium tiers include automatic coverage for electric vehicle-specific risks including malfunction damage, battery disposal costs, and charging station damage

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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

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No Deduction for New Parts (Neu für Alt)

Full reimbursement for damaged parts replaced with new parts despite wear and aging, with exception for batteries in electric vehicles

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Replacement Vehicle During Repair

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

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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

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Software Manipulation Protection

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

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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

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