R+V Versicherung AG (Raiffeisen- und Volksbanken Versicherung)
R+V
R+V is a motor casco insurance for the Germany market with online purchase and limited assistance availability.
Direct payment
R+V reimburses verified, invoiced repair costs up to the replacement value, or handles the repair directly through a recommended partner workshop (Werkstattservice); if the vehicle is not repaired, R+V pays cash up to the replacement value minus residual value.
Geographic scope
Europe and non-European EU territories
Coverage applies within the geographical boundaries of Europe and the non-European territories that belong to the European Union.
Unique selling points
- Leistungsverbesserungsgarantie: if R+V improves policy benefits for new customers, existing policyholders automatically receive the same improvements at no extra cost.
- KfzPolice premium pays a 2,000 EUR 'Wechselprämie' when a total-loss combustion-engine car is replaced with a new electric vehicle also insured with R+V.
- New-price compensation window of up to 30 months (36 months for electric/hybrid vehicles) in KfzPolice premium, well above many market minimums of 6-12 months.
- Using the R+V Werkstattservice partner-workshop network can cut casco premiums by up to 12% while including a free courtesy car and a three-year repair guarantee.
- Optional Fahrerschutz-Versicherung protects the driver's own injuries like a liability policy, with cover up to 20 million EUR per claim, regardless of fault.
Coverage limits
Own Damage Coverage
Covered
Covers damage, destruction, total loss or loss of the insured vehicle from events defined in Teilkasko (A.2.2) or Vollkasko (A.2.3), depending on tariff chosen. Maximum indemnity is capped at the vehicle's new price (Neupreis).
Total Loss / New Price Compensation
Covered
Pays new-price compensation (Neupreisentschädigung) if total loss, destruction or theft occurs within 30 months of first registration in KfzPolice premium (36 months for electric/hybrid vehicles), or within 12 months in KfzPolice comfort; KfzPolice classic pays only the wiederbeschaffungswert without an extended new-price window. Kaufwertentschädigung applies within 24 months (premium) or 12 months (comfort). Premium also pays a 500 EUR mobility allowance if a stolen vehicle is not recovered within one month, and a 2,000 EUR 'Wechselprämie' if a total-loss combustion vehicle is replaced with a new electric vehicle insured with R+V.
Partial Damage / Repair Cost Coverage
85% of insured sum
Covers the costs required for repair up to the replacement value. In KfzPolice premium and comfort, a 'new for old' deduction only applies to mitversicherte radio/infotainment/telephone equipment; in KfzPolice classic a full age/wear-based new-for-old deduction applies to all replaced parts. If repaired outside an R+V-selected workshop under the agreed Werkstattservice, reimbursement is limited to 85% of the required repair costs.
Theft and Robbery Coverage
€500
Teilkasko covers theft, robbery, embezzlement (under conditions) and unauthorised use of the vehicle. KfzPolice premium additionally pays lock and key replacement costs after key theft and a 500 EUR mobility allowance if the stolen vehicle is not recovered within one month.
Glass Breakage Coverage
85% of insured sum
Covers breakage damage to the vehicle's glazing (windscreen, windows, mirror glass, light covers) under Teilkasko in all tariffs. No deductible applies if the glass is repaired (Verbundglasreparatur) at an R+V-recommended workshop instead of replaced. In KfzPolice classic, reimbursement is limited to 85% of repair costs if a non-recommended workshop is used (with some exceptions).
Natural Hazards Coverage
Covered
KfzPolice premium covers earthquake, ground subsidence, volcanic eruption, avalanches (incl. roof avalanches), mudslides, storm, hail, lightning strike and flooding. KfzPolice comfort and classic cover only storm, hail, lightning strike and flooding (not earthquake, subsidence, volcanic eruption, avalanches or mudslides).
Vandalism / Malicious Damage Coverage
Conditional
Covers malicious or wanton acts by third parties, including cyberattacks, but only activates if Vollkasko (fully comprehensive) rather than Teilkasko is selected; programming or maintenance errors by the manufacturer are not covered.
Roadside Assistance (Schutzbrief)
€500
Sold as a legally independent add-on contract (Schutzbrief) from around 14.95 EUR/year for cars and motorcycles. Covers roadside repair up to 150 EUR (unlimited if R+V organises it), towing up to 200 EUR if self-organised (unlimited if R+V organises it), key-in-lock emergency service up to 100 EUR, and misfuelling costs up to 500 EUR.
Replacement Vehicle / Mobility Cover
€500
Under the Schutzbrief rider, rental car costs are reimbursed up to 70 EUR/day for a maximum of 7 days (domestic), or up to 500 EUR total abroad; alternatively a 35 EUR/day downtime allowance (max 7 days) can be claimed. Independently of the Schutzbrief, using the R+V Werkstattservice (repair at a selected partner workshop) provides a free small-class courtesy car for the duration of the repair.
Driver Accident Protection (Fahrerschutz)
€20,000,000
An optional, legally independent Fahrerschutz-Versicherung pays for the driver's own personal injury from an accident while driving the insured vehicle like a third-party liability insurer, up to 20 million EUR per claim (e.g. loss of earnings, home/vehicle adaptation, pain and suffering after at least 5 days' hospitalisation), regardless of the driver's own fault.
Key conditions
Driver age and experience limit
No-claims class (SF-Klasse) at contract start depends on age and licence duration: e.g. SF-Klasse 1/2 requires at least one year's licence; SF-Klasse 3 additionally requires the policyholder and driver to be at least 23 years old.
Repair network requirements
Repairs carried out at an R+V-selected partner workshop (Werkstattservice) can reduce the premium by up to 12% and provide benefits such as no deductible on glass claims, free collection/return and a courtesy car; repairing at a non-partner workshop reduces reimbursement to 85% of costs in some tariffs.
Territorial scope
Coverage applies within the geographical boundaries 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 or telematics as a condition of theft coverage; standard vehicle security suffices.
Claim notification deadline
Any claim event must generally be reported within one week; theft/entwendung of the vehicle or parts must be reported to R+V immediately in text form and, if damage exceeds 500 EUR, also reported to the police without delay.
Deductible rules
An agreed deductible (Selbstbeteiligung) is deducted from each claim payment; R+V waives the deductible for glass damage if the glazing is repaired rather than replaced at a recommended workshop (Verbundglasreparatur).
Where to buy
Documents
IPID / Insurance Product Information Document - KfzPolice
IPID
R+V Kfz-Versicherung Consumer Information / AKB - Pkw (KDP0722, R+V Direktversicherung AG)
Terms & conditions
R+V Teilkasko product page
Other document
R+V Vollkasko product page
Other document
R+V Kfz add-on modules page
Other document
R+V KfzPolice customer information sheet (partner-bank hosted copy)
Other document
Policy specifics
Partial Casco (Teilkasko) Coverage
Covers damage from theft, natural events (hail, storm, lightning, flooding), animal collision, glass breakage, and other insured perils excluding self-caused accidents
SourceFull Casco (Vollkasko) Coverage
Includes all partial casco coverages plus coverage for self-caused accidents, vandalism, malicious damage, and collision damage caused by the insured
SourceAnimal Collision Coverage
Full casco covers animal bites and collision with animals of any kind, with unlimited coverage including consequential damages up to EUR 5,000 aggregate per claim
SourceMarten/Rodent Bite Coverage
Partial casco includes coverage for marten bites including consequential damages (Komfort-Schutz)
SourceShort Circuit Damage Coverage
Coverage for short circuit damage and resulting overvoltage damage to insured vehicle parts (available in comfort and premium tariffs for full casco)
SourceGap Insurance (Differenzdeckung)
Optional supplementary coverage for financed or leased vehicles covering the difference between residual loan/lease amount and vehicle replacement value in total loss
SourceBreakdown Assistance (Schutzbrief)
Optional roadside assistance service covering towing, replacement vehicle, emergency accommodation and other travel assistance in case of breakdown or accident
SourceDeductible (Selbstbeteiligung) Selection
Policyholders can select deductible amounts independently for liability, partial casco, and full casco coverages
SourceWorkshop Service Network (Werkstattservice)
Insured can choose approved R+V partner workshops for repairs to receive benefits like no deductible for glass breakage, transportation arrangement, and replacement vehicle
SourceClaims Settlement Method
For comprehensive damage, insurer may settle by direct cash payment, repair arrangement with workshop, or replacement of damaged parts/vehicle
SourceNo Deductible for Glass Breakage
Partial casco covers glass breakage (windscreen, windows, mirrors, roof lights) without deductible in most tariffs, especially with workshop service agreement
SourceNew Vehicle Replacement Value (Neupreisentschädigung)
Premium full casco tariff covers total loss of new vehicles at full purchase price (Neupreis) for defined period after purchase
SourceLoss-Free Discount Preservation (SF-Klasse)
Optional module to preserve no-claims discount rating after first casco claim in policy year
Source