R+V
R+V is a motor casco insurance for the DE market with online purchase and 24/7 assistance.
Direct payment
R+V pays the indemnity directly to the policyholder or an authorised repair workshop after the claim amount has been determined, at the latest within two weeks. In case of theft, payment is made at the earliest after one month following receipt of the written claim notification.
Geographic scope
DE
Geographische Grenzen Europas sowie außereuropäische Gebiete, die zum Geltungsbereich der Europäischen Union gehören
Unique selling points
- Extended new price compensation for electric and hybrid vehicles up to 36 months after first registration – among the longest periods in the German market.
- Gross negligence waiver included as standard in the premium tier (except for theft and intoxicant-related damage), so policyholders are not penalised for inadvertent lapses.
- Comprehensive EV/hybrid extras including mobility lump sum (35 EUR/day up to 14 days), accumulator disposal costs, diagnostic costs and unlimited high-voltage cable replacement on top of standard casco coverage.
- Leistungsverbesserungsgarantie (performance improvement guarantee) automatically extends new policy improvements to existing contracts without additional cost.
- 24/7 claims service reachable toll-free from all German landline and mobile networks, with online and telephone claims reporting available at any time.
Coverage limits
Own damage (accident)
Covered
The vehicle is insured against damage, destruction, total loss or loss caused by accident (Vollkasko). An accident is an event acting suddenly from outside with mechanical force on the vehicle. The maximum indemnity is capped at the new price of the vehicle. In the premium tier, gross negligence is waived (except for theft and damage caused by intoxicants).
SourceTotal loss (Neupreisentschädigung / Kaufwertentschädigung)
Covered
In the premium tier, new price compensation (Neupreisentschädigung) is paid if a total loss, destruction or theft of an EV/hybrid occurs within 36 months after first registration, and within 30 months for conventional cars. For used cars, purchase value compensation (Kaufwertentschädigung) applies for up to 24 months after initial registration on the policyholder. The maximum indemnity is the new price of the vehicle. Towing, disposal and registration costs are excluded from the cap.
SourcePartial loss / repair costs (Teilkasko and Vollkasko)
Covered
The vehicle is insured for the costs of repair in the event of partial damage, up to the replacement value (Wiederbeschaffungswert). In the premium tier, no deduction 'new for old' is applied to paintwork, spare parts or tyres (beyond electronics/radio equipment). Towing costs from the scene of the damage to the nearest suitable workshop are also covered.
SourceTheft, robbery and misappropriation
Covered
Covered in Teilkasko: theft, robbery and handover of the vehicle due to extortion under threat of robbery. Misappropriation is covered only if the vehicle was not given to the perpetrator for use in their own interest, for sale or under retention of title. In the premium tier, a mobility lump sum of 500 EUR is paid if the vehicle is not recovered within one month after written claim notification. Key replacement costs (locks and keys) are also covered in the premium tier.
SourceGlass breakage
Covered
Breakage damage to the glazing of the vehicle (windscreen, rear, roof, side and partition panes, mirror glass and light covers) is covered in Teilkasko. Superficial chips or scratches are not breakage damage. Glass and plastic parts of measurement, assistance, camera and information systems, displays and monitors are excluded. No consequential damage covered. In the premium tier, necessary work related to windscreen replacement (e.g. rain sensor calibration), lighting replacement costs and cleaning costs (e.g. removal of glass splinters) are additionally covered. Deductible waived if glazing is repaired (not replaced) in a partner workshop.
SourceNatural perils (storm, hail, lightning, flooding, earthquake, subsidence, volcanic eruption, avalanche, mudslide)
Covered
The direct impact of storm (wind force 8 or above), hail, lightning and flooding is covered in all tiers (Teilkasko). In the premium tier, coverage additionally extends to earthquake, subsidence, volcanic eruption, avalanches (including roof avalanches) and mudslides. Damage caused by driver behaviour triggered by these natural perils is excluded.
SourceVandalism / malicious acts by third parties
Covered
Damage, destruction or total loss of the vehicle caused by malicious or wilful acts of third parties (e.g. vandalism or cyberattack) is covered in Vollkasko. Programming or maintenance errors by the manufacturer are not covered.
SourceRoadside assistance / Schutzbrief
Optional
Roadside assistance (Schutzbrief) is an optional add-on. It provides organisational and financial assistance in case of breakdown or accident, including: restoration of roadworthiness (up to 150 EUR or unlimited if R+V organises the service), towing, vehicle recovery, emergency locksmith (up to 100 EUR), rental car (for accidents, up to 70 EUR/day for max. 7 days), additional help from 50 km distance, assistance abroad, and medical repatriation assistance on journeys. The Schutzbrief covers the insured vehicle and a towed trailer throughout Europe and EU overseas territories.
SourceReplacement vehicle / rental car
Conditional
In the workshop service (Werkstattservice), a free replacement vehicle of the compact car class is provided for the duration of repairs at a selected workshop. In the Schutzbrief (optional add-on), rental car costs are covered in the event of an accident (up to 70 EUR/day for max. 7 days, including winter tyres, emergency and delivery fees). A deductible charged for damage to the replacement vehicle is reimbursed up to 500 EUR per claim. Rental car costs abroad are covered up to 500 EUR regardless of rental duration.
SourceDriver accident protection (Fahrerschutz-Versicherung)
Optional
The Fahrerschutz-Versicherung is an optional add-on that covers personal injury of the authorised driver resulting from an accident while driving the insured vehicle. R+V pays like a liability insurer, covering loss of earnings, disability-related home/vehicle conversions, pain and suffering (minimum 5 days hospitalisation required), and survivors' pension. Coverage applies up to 20 million EUR per claim. Third-party claims against R+V under this module are excluded.
SourceKey conditions
driver_age_experience_limit
No explicit minimum driver age for Vollkasko coverage. Young drivers under 23 may affect premium calculation. No general restriction, but tariff classification may change based on the youngest driver's age as a dynamic pricing parameter.
repair_network_requirements
The workshop service (Werkstattservice) is an optional add-on. If selected, the vehicle must be repaired in a workshop chosen by R+V. If repaired in a different workshop, the reimbursement is limited to 85% of the required repair costs. Without the workshop service, the policyholder can choose any workshop freely. For glass repairs, deductible is waived if the repair (not replacement) is carried out in a recommended partner workshop.
territorial_scope
Insurance coverage applies within the geographical borders of Europe and the extra-European territories belonging to the scope of the European Union. In the workshop service, the right to pick-up/delivery and replacement vehicle services applies only for damage events occurring within the Federal Republic of Germany.
anti_theft_requirements
No explicit anti-theft device requirements stated in the policy conditions. However, unauthorized use is only covered if the perpetrator has no right whatsoever to use the vehicle.
claim_notification_deadline
Every claim event must be reported within one week. In the event of theft or misappropriation, notification must be made immediately in text form. Before disposing of or repairing the vehicle or insured parts, instructions from R+V must be obtained. Damage exceeding 500 EUR (theft, fire or animal damage) must be reported to the police immediately. In the workshop service, any claim event must be reported immediately.
deductible_rules
If a deductible (Selbstbeteiligung) has been agreed, it is deducted from each claim payment. The amount is stated in the policy document. The deductible for glass breakage is waived if the damaged glazing is repaired (not replaced) in a recommended partner workshop. In the workshop service, when the replacement vehicle is damaged, the deductible charged by the rental company is reimbursed up to 500 EUR per claim.
Where to buy
Policy specifics
New price compensation
In the premium and comfort tiers, new price compensation is provided up to 30 months (premium) or 12 months (comfort) after initial registration for total loss, destruction, or theft
Value reduction for electric/hybrid vehicles
For electric and hybrid vehicles, 10% of proven repair costs are reimbursed for value reduction in premium tier within first four years after initial registration
Animal bite damage coverage
In premium tier, animal bites (excluding domestic animals) are insured with follow-up damages up to 5,000 EUR total; in comfort tier up to 3,000 EUR
Short circuit damage
In premium and comfort tiers, short circuit damage to vehicle wiring is covered, including overvoltage damage to installed components
Ferry transport coverage
In premium tier, damage to vehicle during ferry transport (e.g., sinking, washing overboard) is covered
Deductible in comprehensive coverage
Standard deductibles apply in comprehensive (Vollkasko) coverage; specific amounts vary by tariff tier and agreement
No-claims discount
Policyholders benefit from a no-claims discount (Schadenfreiheitsrabatt/Schadensfreiheitsklasse) based on years without accidents; discount protection available via add-ons
Workshop binding conditions
RUV offers werkstattservice (workshop service) add-on allowing policyholders to choose from network partners; no mandatory workshop binding in base coverage
Own collision damage
In premium tier, own collision damage up to 30,000 EUR is covered (deductible: 1,000 EUR); option for Kasko Spezial add-on
Car-sharing vehicle coverage
In premium tier only, coverage is provided for driving car-sharing vehicles (deductible reimbursement up to 500 EUR per claim)