uniVersa Versicherungen (uniVersa Krankenversicherung a.G., uniVersa Lebensversicherung a.G. and uniVersa Allgemeine Versicherung AG)
uniVersa
uniVersa is a motor casco insurance for the Germany market with no online purchase and 24/7 assistance.
Direct payment
Under the optional Workshop Service module, repair billing is settled directly between the partner workshop and uniVersa, so the policyholder does not need to pay upfront.
Geographic scope
Geographic Europe and non-European territories belonging to the EU
Coverage applies within the geographic borders of Europe and non-European territories that belong to the EU's area of application.
Unique selling points
- Waives the objection of gross negligence in Kasko claims, except for enabling vehicle theft or driving under the influence.
- New-price or purchase-price compensation on total loss for up to 24 months after first registration, well beyond typical minimum terms.
- Optional Werkstatt-Service grants a 20% Kasko premium discount plus a free replacement vehicle, pickup/delivery and interior/exterior cleaning.
- Follow-on damage from animal bites is covered with no fixed maximum compensation limit.
- 24/7 claims hotline paired with uniVersa Case Management, which guides policyholders through the entire claims process and minimizes paperwork.
Coverage limits
Own Damage (Casco)
Covered
The insured vehicle is covered against damage, destruction, loss or total loss from the events listed under Teilkasko (partial cover) and Vollkasko (comprehensive). Maximum compensation for any loss is capped at the new price (Neupreis) of the vehicle, not a fixed sum, per A.2.5.10.
Total Loss / Destruction / Loss of Vehicle
Covered
Pays the replacement value (Wiederbeschaffungswert) less residual value on total loss, destruction or loss. For cars, new-price compensation (Neupreisentschädigung) applies for up to 24 months after first registration for vehicles bought new, and purchase-price compensation (Kaufpreisentschädigung) for up to 24 months for used cars bought within 60 months of first registration (A.2.5.1.1-A.2.5.1.4). Leasing vehicles, rental cars, taxis and self-drive rental cars are excluded from the enhanced new-price/purchase-price benefits.
Partial Loss / Repair Costs
Covered
If the vehicle is damaged, required repair costs are paid up to the replacement value (Wiederbeschaffungswert) if fully and properly repaired, or up to the replacement value less residual value otherwise (A.2.5.2.1). Towing costs to the nearest suitable workshop are also covered within the same cap (A.2.5.2.2).
Theft, Robbery, Unauthorized Use
Covered
Covers theft, robbery, surrender due to robbery-related extortion, embezzlement (only if the vehicle was not entrusted to the perpetrator) and unauthorized use of the vehicle (A.2.2.1.2). Compensation is capped at the vehicle's replacement value, not a fixed sum.
Glass Breakage
Covered
Covers breakage damage to glazing (front/rear/side/roof/partition glass, mirror glass, light covers) (A.2.2.1.5). At partner workshops (Carglass, Wintec) no deductible is charged for repair, and the deductible is reduced by EUR 75 if the windscreen is replaced at a partner workshop. Consequential damage is generally excluded except for environmental sticker/vignette replacement and light bulb replacement.
Natural Hazards
Covered
Covers direct impact of storm (wind force 8+), hail, lightning strike, flood, earthquake, subsidence, landslide, mudslide, avalanche, snow pressure or volcanic eruption on the vehicle, including objects thrown onto/against the vehicle by these forces and overvoltage damage from lightning strikes (e.g., while an EV is charging) (A.2.2.1.3).
Vandalism / Malicious Acts / Hacking
Covered
Only in Vollkasko
Covers malicious or spiteful acts by persons not authorized to use the vehicle, including damage from a hacking attack directed immediately at the vehicle itself (e.g., manipulation of the vehicle software). Attacks on a manufacturer's or third-party server that only indirectly affect the vehicle are excluded, as are the manufacturer's own programming/maintenance errors (A.2.2.2.3). Only available under comprehensive (Vollkasko) cover.
Roadside Assistance (Kfz-Schutzbrief)
unlimited
Optional add-on (Kfz-Schutzbrief) for cars and motorcycles. When organized by uniVersa, breakdown assistance, towing and recovery are covered in unlimited amount (A.3.5.1-A.3.5.3); if not organized by uniVersa, reimbursement is capped at EUR 154. Further capped benefits from 30 km away from home: rental car up to EUR 490, overnight stay up to EUR 100/night for max. 4 nights, vehicle storage up to 2 weeks, hospital-visit costs up to EUR 500, repatriation/funeral costs up to EUR 5,000, and locksmith/key costs up to EUR 125.
Replacement Vehicle
€490
Under the optional Werkstatt-Service module for cars (not leased vehicles), the partner workshop provides a free replacement vehicle for the duration of the repair, though a same-class vehicle cannot be guaranteed (A.2.5.3.2.b). Alternatively, under the optional Kfz-Schutzbrief, a rental car is covered up to EUR 490 while the vehicle is not roadworthy (A.3.6.3).
Driver Accident Protection (Fahrerschutz)
Optional
Optional add-on (Fahrerschutzversicherung) to the MTPL policy, available against an extra premium. It compensates the authorized driver's own personal injury from an accident while driving (as if a third party were liable), including loss of earnings, survivor's benefits and pain-and-suffering compensation (min. 5 consecutive hospital days) (A.4.1, A.4.4.1). The payout is capped at the agreed personal-injury sum of the associated MTPL policy, not a fixed figure in the terms (A.4.4.3); marketing material cites up to EUR 15 million per claim.
Key conditions
Driver age and experience limit
The optional Rabattschutz (no-claims-bonus protection) module does not apply if the at-fault driver is younger than 23, though the module can still be purchased; the policy must also be rated at least SF-class 4 at the start of Rabattschutz cover (I.5.2.1, I.5.2.2).
Repair network requirements
If the optional Werkstatt-Service module is agreed for cars, uniVersa selects the repair workshop and the repair contract is concluded between the policyholder and that workshop (A.2.5.3.1); this grants a 20% discount on the Kasko premium. Even without this module, if a Voll- or Teilkasko claim (other than glass) is repaired at a uniVersa-designated partner workshop, the agreed deductible is reduced by 50% (A.2.5.12).
Territorial scope
Casco cover applies within the geographic borders of Europe and non-European territories belonging to the area of application of the European Union (A.2.4).
Anti-theft requirements
The reviewed terms and conditions do not specify a mandatory anti-theft device (e.g., alarm, immobilizer) as a precondition for theft cover; general obligations only require that the vehicle is used only by an authorized driver with the required licence (D.1.1).
Claim notification deadline
Any event that could lead to a claim must generally be reported within one week (E.1.1.1). Theft of the vehicle or insured parts must be reported immediately in text form (E.1.3.1), and theft, fire or animal-collision damage exceeding EUR 500 must be reported to the police without delay (E.1.3.4).
Deductible rules
If a deductible is agreed, it is deducted from compensation for each claim event (A.2.5.12). For glass damage, the deductible is waived if the damage is repaired (not replaced) at a designated workshop rather than by windscreen replacement. For Smart Repair of minor bodywork damage, the current terms apply no deductible at all (A.2.2.2.5). For other Voll-/Teilkasko claims (excluding glass) repaired at a uniVersa partner workshop without the Werkstatt-Service module, the agreed deductible is reduced by 50%.
Policy specifics
Workshop Service
Optional module providing damage management and free repair service at partner workshops with deductible reduction
SourceGlass Damage Coverage
Coverage for stone chip repairs through Wintec/Carglass with waiver of deductible
SourceSmart Repair
Small damage repairs up to 200 Euro per year without deductible; damages up to 1,000 Euro can be self-regulated
SourceSource no longer reachableDiscount Protection
Protection against downgrade of no-claims bonus after self-caused accident; one incident per year covered
SourceGAP Coverage
Gap insurance for leasing or credit-financed vehicles covering difference between insurance payout and remaining debt
SourceMallorca Policy
Additional liability coverage for rental vehicles abroad with same coverage limits as home vehicle for up to six months
SourceDriver Protection
Personal injury protection for driver covering medical costs from self-caused accidents up to 15 million EUR
SourceBreakdown Assistance
Optional module providing roadside assistance for breakdowns, accidents, emergencies or driver illness with Europe-wide coverage
SourceForeign Damage Protection
Optional coverage for uninsured accident losses abroad when third party's liability insurance is insufficient
SourceNew Price Compensation
Full replacement value compensation for total loss on new vehicles for up to 18 months from first registration
SourceSource no longer reachableWorkshop Binding
Optional condition where insurer designates authorized repair workshop; deductible reduced by half if repaired at partner workshop
SourceDeductible Options
Multiple deductible levels available for Kasko coverage; 15 different self-deductible options to customize premium
SourceSource no longer reachableEligibility Restrictions
Vollkasko insurance excludes leasing vehicles, rental cars, taxis, and self-hire vehicles for new price compensation
SourceSource no longer reachableSelf-Regulation Limit
Damages up to 1,000 EUR can be self-regulated without reporting requirement; only damages above this threshold must be reported
SourceSource no longer reachableNo-Claims Bonus Retention
No-claims bonus retained for contract interruptions of up to 10 years in Kasko coverage
SourceElectric Vehicle Benefits
For electric and hybrid vehicles: battery damage covered without 'wear and tear' deduction; charging cable theft up to 500 EUR covered
SourceAnimal Collision Coverage
Damage from animal bites on all vehicle parts and for all vehicle types now fully covered without maximum limit
SourceDamage Management
Active damage management by insurer; case management support for complex claims like total loss, theft, fire, water, storm damage
Source