SV SparkassenVersicherung Casco (own-damage car insurance) (Casco Teilkasko Vollkasko Topschutz)

Covers damage, destruction, loss or total loss of the insured vehicle including mitinsured parts; indemnity is capped at the vehicle's new price (Neupreis) and repair costs are reimbursed up to the replacement value (Wiederbeschaffungswert). Available as Teilkasko, Vollkasko or the Topschutz upgrade.

In case of total loss, destruction or loss, SV pays the replacement value (Wiederbeschaffungswert) minus any residual value; new-price indemnification (Neupreisentschädigung) applies to a new vehicle still owned by its first owner if it is destroyed or lost within 24 months of first registration (48 months under the Topschutz upgrade), or, in case of damage, if repair costs reach at least 80% of the new price. A 10% deduction applies on theft-related total losses unless a self-arming immobiliser was fitted.

Repair costs are reimbursed up to the replacement value; with an invoice, full repair costs are paid, otherwise reimbursement is based on average regional labour rates. No deduction is made for new-for-old parts or paintwork. Under the WerkstattBonus tariff, SV organises and pays the repair directly at a partner workshop, provides a courtesy car and grants a 6-year workshop guarantee.

Covers theft, robbery, and (under conditions) embezzlement and unauthorised use; also covers the cost of replacing door/steering locks and keys if they are stolen during a break-in or robbery. Included from the Teilkasko level upward.

Covers breakage of windows, sunroofs, mirror glass and light covers, including the cost of recalibrating driver-assistance systems after glass replacement. The deductible is waived if the windscreen is repaired (not replaced) at an SV-approved workshop.

Covers direct damage from storm (wind force 8+), hail, lightning, flood, avalanches, mudslides, landslides, snow pressure, ground subsidence/collapse and volcanic eruption. Included from Teilkasko level upward.

Malicious or spiteful acts by persons not entitled to use the vehicle are covered only under Vollkasko and Topschutz; this peril is not included under Teilkasko.

Not a standard Kasko benefit; towing and pick-up/drop-off service to a partner workshop is included free of charge only under the WerkstattBonus tariff. Broader roadside assistance (breakdown, accident, towing across Europe) is sold as the separate Autoschutzbrief product, which can be combined with Kasko.

A courtesy car during repair of the insured Pkw is provided only under the WerkstattBonus tariff when the repair is carried out at an SV partner workshop. This is not a standard feature of Teilkasko/Vollkasko without WerkstattBonus.