Extracted from source documents

uniVersa Casco (own-damage car insurance) (Flexxdrive Kasko)

Underwritten by uniVersa Allgemeine Versicherung AG · Germany

casco (own-damage car insurance) from uniVersa for the Germany market, with 24/7 assistance.

Verified Aug 28, 2026 · Terms dated 2024-04-01Sources

24/7 helpline

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.

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

Covered

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.

Clause A.2.1.1Page 9

Section: A.2 Kaskoversicherung > A.2.1 Was ist versichert?

Versichert ist Ihr Fahrzeug gegen Beschädigung, Zerstörung, Verlust oder Totalschaden infolge eines Ereignisses nach A.2.2.1 (Teilkasko) oder A.2.2.2 (Vollkasko).

Covered

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.

Clause A.2.5.1.1Page 11

Section: A.2.5 Was zahlen wir im Schadenfall? > A.2.5.1 Was zahlen wir bei Totalschaden, Zerstörung oder Verlust?

Bei Totalschaden, Zerstörung oder Verlust des Fahrzeugs zahlen wir den Wiederbeschaffungswert unter Abzug eines vorhandenen Restwerts des Fahrzeugs.

Covered

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).

Clause A.2.5.2.1Page 12

Section: A.2.5 Was zahlen wir im Schadenfall? > A.2.5.2 Was zahlen wir bei Beschädigung?

Wenn das Fahrzeug vollständig und fachgerecht repariert wird gilt: Wir zahlen die hierfür erforderlichen Kosten bis zur Höhe des Wiederbeschaffungswerts nach A.2.5.1.6

Covered

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.

Clause A.2.2.1.2Page 9

Section: A.2.2 Welche Ereignisse sind versichert? > A.2.2.1 Welche Ereignisse sind in der Teilkasko versichert?

Versichert ist die Entwendung in nachfolgenden Fällen: a) Versichert sind Diebstahl und Raub sowie die Herausgabe des Fahrzeugs aufgrund räuberischer Erpressung.

Covered

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.

Clause A.2.2.1.5Page 9

Section: A.2.2 Welche Ereignisse sind versichert? > Glasbruch

Versichert sind Bruchschäden an der Verglasung des Fahrzeugs. Als Verglasung gelten Glas- und Kunststoffscheiben (z. B. Front-, Heck-, Dach-, Seiten- und Trennscheiben), Spiegelglas und Abdeckungen von Leuchten.

Covered

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).

Clause A.2.2.1.3Page 9

Section: A.2.2 Welche Ereignisse sind versichert? > Naturgewalten

Versichert ist die unmittelbare Einwirkung von Sturm, Hagel, Blitzschlag, Überschwemmung, Erdbeben, Erdsenkung, Erdrutsch, Muren, Lawinen, Schneedruck oder Vulkanausbruch auf das Fahrzeug.

Covered

Vandalism / Malicious Acts / Hacking

Covered

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.

Clause A.2.2.2.3Page 10

Section: A.2.2 Welche Ereignisse sind versichert? > Mut- oder böswillige Handlungen

Versichert sind auch Schäden durch mut- oder böswillige Handlungen eines unmittelbar gegen Ihr Fahrzeug gerichteten Hackerangriffes (z.B. Manipulation der Fahrzeugsoftware).

Optional

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.

Clause A.3.5.1Page 14

Section: A.3 Kfz-Schutzbrief > A.3.5 Hilfe bei Panne oder Unfall

Wir organisieren ein Pannenhilfsfahrzeug für die Wiederherstellung der Fahrbereitschaft an der Schadenstelle. Die hierdurch entstehenden Kosten tragen wir in unbegrenzter Höhe.

Optional

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).

Clause A.3.6.3Page 15

Section: A.3.6 Zusätzliche Hilfe bei Panne, Unfall oder Diebstahl ab 30 km Entfernung > Mietwagen

Wir helfen Ihnen, ein gleichwertiges Fahrzeug (Pkw) anzumieten. ... Wir zahlen höchstens 490,- EUR.

Optional

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 (A.4.4.3), up to EUR 15 million per claim.

Clause A.4.1Page 17

Section: A.4 Fahrerschutzversicherung

Versichert sind Personenschäden des berechtigten Fahrers, die dadurch entstehen, dass er durch einen Unfall beim Lenken des versicherten Fahrzeugs verletzt oder getötet wird.

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).

Anti-theft requirements

No anti-theft device (e.g. alarm, immobiliser) is required as a precondition for theft cover; the vehicle may only be driven by an authorised driver holding 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%.

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.

Territorial scope

Coverage applies within the geographic borders of Europe and non-European territories that belong to the EU's area of application.

Documents

Terms and Conditions for Motor Insurance FLEXXdrive (KBB-222, 04/2024) (opens in a new tab)

Terms & conditions · PDF

Terms and Conditions for Motor Insurance FLEXXdrive (KBB-222, 04/2023) (opens in a new tab)

Terms & conditions · PDF

Policy specifics

Workshop Service

Optional module providing damage management and free repair service at partner workshops with deductible reduction

Source

Section: Leistungen > Optionale Erweiterungen > Werkstatt-Service

Bei einem Kaskoschaden übernehmen wir das Schadenmanagement und bieten einen ausgezeichneten und kostenlosen Reparaturservice in einer unserer Partnerwerkstätten.

Glass Damage Coverage

Coverage for stone chip repairs through Wintec/Carglass with waiver of deductible

Source

Section: Gut zu wissen

Im Kasko-Glasschadenfall erhalten Sie die kostenlose Reparatur von Steinschlägen durch Wintec/Carglass und wir verzichten auf Ihre Selbstbeteiligung.

Smart 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 reachable

Discount Protection

Protection against downgrade of no-claims bonus after self-caused accident; one incident per year covered

Source

Section: Leistungen > Optionale Erweiterungen > Rabattschutz

Der Rabattschutz bewahrt vor einer Rückstufung des Schadenfreiheitsrabattes nach einem selbst verschuldeten Unfall. Der Rabattschutz gilt für je einen Haftpflicht-/Vollkaskoschaden im Jahr.

GAP Coverage

Gap insurance for leasing or credit-financed vehicles covering difference between insurance payout and remaining debt

Source

Section: Leistungen > Optionale Erweiterungen > GAP-Deckung

Im Falle eines Totalschadens oder Diebstahls schließt sie die Lücke zwischen der Entschädigung aus der Kaskoversicherung und dem Leasing- bzw. Kreditrestbetrag.

Driver Protection

Personal injury protection for driver covering medical costs from self-caused accidents up to 15 million EUR

Source

Section: Leistungen > Optionale Erweiterungen > Fahrerschutz

Der Fahrerschutz übernimmt die Kosten für die verletzte Person hinter dem Lenkrad und ersetzt den entstandenen Personenschaden – bis zu 15 Mio. EUR.

Breakdown Assistance

Optional module providing roadside assistance for breakdowns, accidents, emergencies or driver illness with Europe-wide coverage

Source

Section: Leistungen > Optionale Erweiterungen > Kfz-Schutzbrief

Der Kfz-Schutzbrief ist die optimale Ergänzung und bietet den Service und die Qualität der uniVersa Kfz-Versicherung auch bei Pannen, Unfällen, Notfällen oder Krankheit. Der Baustein rundet die Absicherung auf Reisen mit Ihrem Fahrzeug europaweit ab.

Foreign Damage Protection

Optional coverage for uninsured accident losses abroad when third party's liability insurance is insufficient

Source

Section: Leistungen > Optionale Erweiterungen > Auslandschadenschutz

Der Auslandschadenschutz bietet zusätzlichen Schutz bei einem unverschuldeten Verkehrsunfall im Ausland (im vereinbarten Geltungsbereich).

New Price Compensation

Full replacement value compensation for total loss on new vehicles for up to 18 months from first registration

SourceSource no longer reachable

Workshop Binding

Optional condition where insurer designates authorized repair workshop; deductible reduced by half if repaired at partner workshop

Source

Section: Leistungen > Optionale Erweiterungen > Werkstatt-Service

Zusätzlich sparen Sie mit der Wahl dieses Bausteins 20% der Kaskoprämie.

Deductible Options

Multiple deductible levels available for Kasko coverage; 15 different self-deductible options to customize premium

SourceSource no longer reachable

Eligibility Restrictions

Vollkasko insurance excludes leasing vehicles, rental cars, taxis, and self-hire vehicles for new price compensation

SourceSource no longer reachable

Self-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 reachable

No-Claims Bonus Retention

No-claims bonus retained for contract interruptions of up to 10 years in Kasko coverage

Source

Section: Leistungen > Unsere besonderen Highlights

Erhalt des Schadenfreiheitsrabattes bei Vertragsunterbrechungen von bis zu zehn Jahren

Electric Vehicle Benefits

For electric and hybrid vehicles: battery damage covered without 'wear and tear' deduction; charging card damage covered up to EUR 500

Source

Section: Leistungen > Unsere besonderen Highlights

Mitversicherung von Akkuschäden bei Hybrid-/Elektro-Pkw Entwendung des Ladekabels und des mobilen Ladegerätes vom Hybrid-/Elektro-Pkw beim Ladevorgang oder wenn unter Verschluss im Fahrzeug verwahrt

Animal Bite Coverage

Damage from animal bites on all vehicle parts and for all vehicle types now fully covered without maximum limit

Source

Section: Leistungen > Teilkasko-Schutz

Tierbissschäden inkusive Folgeschäden

Damage Management

Active damage management by insurer; case management support for complex claims like total loss, theft, fire, water, storm damage

Source

Section: Unser Schadenmanagement

Sie hatten einen Unfall mit Ihrem Kraftfahrzeug und benötigen Hilfe? Dann melden Sie uns Ihren Schaden und wir erledigen den Rest für Sie.

Sources