Sparkassen-Versicherung Sachsen (comprising Sparkassen-Versicherung Sachsen Allgemeine Versicherung AG and Sparkassen-Versicherung Sachsen Lebensversicherung AG, under S.V. Holding AG)
SV Sachsen
SV Sachsen is a motor casco insurance for the Germany market with no online purchase and 24/7 assistance.
Direct payment
SV Sachsen offers direct claims settlement for casco damage: a 24-hour emergency hotline arranges a free replacement vehicle, has the damaged car collected, repaired at a partner workshop and returned cleaned to the customer.
Geographic scope
Saxony (Sachsen)
Cover applies in Germany, with the Mallorca cover extending protection to rental vehicles used in the European abroad up to the sum insured agreed in Germany.
Unique selling points
- Free replacement vehicle with pick-up and return after a casco claim in Germany (except glass breakage and parking damage).
- Six-year workmanship guarantee with original parts when repaired at a partner workshop.
- Casco cover applies even to grossly negligent claims (e.g. running a red light), except intoxication or drug abuse.
- Beitragssicherheit keeps the agreed premium stable at inception and, on request, for the whole holding period of the car.
- Teilkasko deductible is waived in full for stone-chip windshield repairs completed at a partner workshop.
Coverage limits
Own damage from self-caused accidents
Conditional
Only in Vollkasko
Only within Vollkasko: damage to the insured vehicle from a self-caused accident is reimbursed as repair costs, capped at the replacement value minus residual value if the vehicle is not fully or properly repaired; not covered under Teilkasko alone.
Total loss compensation
Covered
In case of total loss, compensation is based on the replacement value (Wiederbeschaffungswert) minus the residual value (Restwert) of the vehicle, applying to both Teilkasko and Vollkasko perils.
Partial damage / repair cost cover
Covered
Repair costs for damage covered under Teilkasko or Vollkasko are paid up to the amount required for a full and proper repair, capped by the replacement-value-minus-residual-value ceiling.
Theft and robbery
Covered
Teilkasko (and, by extension, Vollkasko) covers own-vehicle damage or loss caused by theft, valued at the replacement value minus residual value.
Glass breakage / stone-chip damage
Covered
Stone-chip damage is covered at zero extra cost; the agreed Teilkasko deductible is waived in full for windshield repairs carried out at a partner workshop when arranged via the emergency hotline.
Natural hazards (storm, hail, flooding, animal collision)
Covered
Teilkasko covers damage from storm, hail, theft, wildlife collision and animal bite, protecting the household budget from these repair costs.
Vandalism / malicious acts by third parties
Conditional
Only in Vollkasko
Vollkasko additionally covers damage to the insured vehicle caused by malicious or spiteful acts of unauthorized third parties, on top of the Teilkasko perils; not covered under Teilkasko alone.
Roadside assistance / breakdown cover (Autoschutzbrief)
Optional
The optional Autoschutzbrief add-on provides fast breakdown, accident, theft and driver/vehicle-failure assistance across Europe for cars, motorhomes up to 4 tonnes and motorcycles.
Replacement vehicle during repair
Covered
After a casco claim in Germany (except glass breakage and parking damage), SV Sachsen provides a free replacement vehicle (group A) while the damaged car is collected, repaired at a partner workshop and returned cleaned.
Driver accident protection (Fahrerschutz)
Optional
The optional Fahrerschutz add-on covers personal injury to the driver after a self-caused accident, including support for loss of earnings and other financial consequences.
Key conditions
Driver age and experience limit
No specific minimum driver age or experience threshold for casco eligibility is stated in the reviewed sources.
Repair network requirements
Under the Werkstatt-Management/Werkstattbindung option, the policyholder agrees to have casco damage repaired exclusively at an SV Sachsen partner workshop in return for a lower premium; this binding applies to insured casco repairs, not to routine maintenance, tyre changes or inspections.
Territorial scope
The Werkstattbindung/repair-network requirement generally applies only within Germany, while the Mallorca cover extends casco-related rental-car protection to the European abroad up to the German insured sum.
Anti-theft requirements
No specific anti-theft device or security requirements for casco cover are stated in the reviewed sources.
Claim notification deadline
No specific claim notification deadline for casco claims is stated in the reviewed sources; policyholders are advised to contact the emergency hotline promptly after a claim.
Deductible rules
Deductibles are individually agreed for Teilkasko and Vollkasko, with the rule that the Teilkasko deductible may not exceed the Vollkasko deductible; the Teilkasko deductible is waived entirely for windshield stone-chip repairs carried out at a partner workshop when arranged via the emergency hotline.
Documents
630Jv-0925 Contract Basics for Motor Insurance, September 2025 edition
Terms & conditions
630Jv-0825 Contract Basics for Motor Insurance, August 2025 edition
Terms & conditions
630J-0524 General Terms and Conditions for Motor Insurance (AKB 2015), Edition 6
Terms & conditions
630J-0524 General Terms and Conditions for Motor Insurance (AKB 2015), private motor edition
Terms & conditions
Policy specifics
Wildlife and animal collision damage
Coverage for direct vehicle damage from animal bites (e.g., marten) and collisions with wild animals, included in partial casco with coverage limits up to €10,000 (€20,000 with optional Kasko-Plus)
SourceStone chip and glass breakage damage
Zero-cost stone chip damage coverage; for windshield repairs, agreed deductible for partial casco is waived if repair is conducted at partner repair shops and customer authorizes through claims hotline
SourceKasko-Plus optional module
Optional enhancement to partial casco providing increased coverage limits for specific perils, notably animal damage coverage doubling from €10,000 to €20,000 and roof avalanche protection
SourceExtended no-claims discount saver (Rabattretter)
Optional module preventing loss of no-claims discount for first loss-making claim within a policy year; policyholder maintains existing discount level despite claim
SourceAuthorized repair network and direct settlement
Certain repair types and deductible waivers (e.g., windshield repairs for stone chip claims) apply only when vehicle is repaired at SV Sachsen partner repair shops; direct payment to repair shop possible
SourceGross negligence coverage exception
Comprehensive and partial casco coverage (both variants) extend to gross negligence claims (e.g. running red light, excessive speed) except in cases of intoxication or drug use
SourceClaims payment and settlement procedure
SV Sachsen offers direct settlement service in damage cases; 24-hour emergency hotline, replacement vehicle provided during repair, vehicle transported to partner workshops
SourceSources
- https://www.gdv.de/resource/blob/6178/f9007a429b57b1ca33dae1c8d84ca9f9/01-allgemeine-bedingungen-fuer-die-kfz-versicherung-akb-2015--data.pdf
- https://www.sparkasse-mittelsachsen.de/de/home/privatkunden/versicherungen/kfz-versicherung-svs.html
- https://www.sv-sachsen.de/content/versicherungen/mobilitaets-schutz/autoversicherung/
- https://www.sv-sachsen.de/versicherungen/auto-und-roller/kfz-versicherung.html