VHV Vereinigte Hannoversche Versicherung a.G. (VHV Group)
VHV
VHV is a motor casco insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
When the optional workshop-binding (Werkstattbindung) or the free VHV Schadenservice PLUS is used, VHV settles repair costs directly and cashlessly with its DEKRA-certified partner workshops. Outside this network, costs are reimbursed to the policyholder under the standard claims process.
Geographic scope
Nationwide (Germany)
Geographic borders of Europe and non-European territories belonging to the European Union; extended to non-European countries listed on the International Insurance (Green) Card where not crossed out.
Unique selling points
- The free TELEMATIK add-on rewards safe driving with up to 30% discount, including an automatic 10% bonus in the first year.
- The Leistungs-Update-Garantie automatically extends future policy improvements to existing KLASSIK-GARANT 2.0 customers at no extra cost.
- VHV Schadenservice PLUS offers a 6-year repair guarantee, a free courtesy vehicle and collection/delivery service at DEKRA-certified partner workshops.
- New-price compensation is paid for up to 24 months after first registration (36 months with the EXKLUSIV add-on), longer than many market-standard periods.
- A 24-hour emergency claims hotline provides round-the-clock accident and breakdown assistance.
Coverage limits
Own damage cover (material damage to the insured vehicle)
€100,000
Covers damage, destruction, loss or total loss of the insured vehicle under Partial Casco (A.2.2.1) or Comprehensive Casco (A.2.2.2), including permanently fitted parts and accessories. Indemnity is capped at the vehicle's new price, subject to the contractual maximum indemnity limit of EUR 100,000 for passenger cars (higher cover available against surcharge; special rules apply above EUR 130,000 under section Q for high-value vehicles).
Total loss / write-off indemnity
€100,000
Pays the replacement value less residual value on total loss, destruction or loss of the vehicle (A.2.5.1.1). New-price indemnity applies for new vehicles if total loss occurs within 24 months of first registration (36 months under the EXKLUSIV add-on); purchase-price indemnity applies for used vehicles acquired within the last 24 months (36 months under EXKLUSIV).
Partial damage / repair cost cover
€100,000
Covers necessary repair costs up to the replacement value if the vehicle is fully and properly repaired (A.2.5.2.1a); if not fully repaired, costs are capped at the replacement value less residual value (A.2.5.2.1b).
Theft, robbery and unauthorised use
€100,000
Covers theft, robbery, extortive robbery and, under Partial Casco, embezzlement/unauthorised use of the vehicle (A.2.2.1.2), subject to the overall maximum indemnity of EUR 100,000 for passenger cars. Under the EXKLUSIV add-on, embezzlement (Unterschlagung) is covered without exception.
Glass breakage
Covered
Covers breakage damage to the vehicle's glazing (windscreen, rear/side/partition windows, mirror glass, light covers); consequential damage is excluded. No deductible applies if the windscreen is repaired (not replaced) at a VHV-recommended workshop (A.2.5.8.2). If glazing must be replaced, pro-rata reimbursement of toll vignettes up to EUR 50 and environmental stickers up to EUR 15 is included (A.2.2.1.5).
Natural hazards / elements
€100,000
Covers direct damage from storm (wind force 8+), hail, lightning strike, flood, avalanche, mudslide, earthquake, ground subsidence and volcanic eruption (A.2.2.1.3), plus collision with animals of any kind (A.2.2.1.4). Overvoltage damage from indirect lightning strikes is also covered for electric passenger cars while charging.
Vandalism / malicious acts
€100,000
Covers malicious or spiteful acts by persons not authorised to use the vehicle (A.2.2.2.3). Only included if Comprehensive Casco (Vollkasko) is selected; not covered under Partial Casco alone.
Roadside assistance (Schutzbrief)
€400
Optional, legally separate add-on contract (sofern vereinbart) providing help after breakdown or accident: restoring roadworthiness on-site up to EUR 250, towing to the nearest suitable workshop up to EUR 400 for cars/motorcycles (EUR 1,500 for motorhomes/caravans), vehicle recovery, plus extensive follow-on benefits abroad (return/onward travel, overnight stay, rental car, medical repatriation, etc.).
Replacement vehicle / rental car
€595
Under the optional Schutzbrief, VHV arranges and pays for a rental car at the scene up to EUR 85 per day for a maximum of 7 days (max. EUR 595) if the vehicle cannot be made roadworthy or a replacement must be procured (A.3.7.3). Separately, the free VHV Schadenservice PLUS provides a complimentary courtesy vehicle while the car is repaired at a DEKRA-certified partner workshop.
Driver accident protection (Fahrerschutz)
Optional
Optional, legally separate contract (sofern vereinbart) covering personal injury to the authorised driver caused by an accident while driving the insured vehicle (loss of earnings, survivor's pension, pain-and-suffering compensation, home modifications, etc.), treated as if a third party were liable. The indemnity limit equals the agreed sum insured for personal injury under the linked motor liability policy (A.4.4.3).
Key conditions
Driver age and experience limit
No specific minimum driver age is set in the casco terms. The vehicle must be driven only by a person holding the required driving licence (D.1.1.3) and not under the influence of alcohol or drugs (D.1.2.1). For no-claims classification, the 'Führerscheinregelung' grants an improved starting class (SF 1/2) after at least three years of licence-holding, and participation in 'Begleitetes Fahren' (accompanied driving from age 17) is factored into premium calculation.
Repair network requirements
Workshop binding (Werkstattbindung, A.2.11) is optional: policyholders who commit in advance to VHV's DEKRA-certified partner workshops for casco claims receive a 15% discount on the casco premium. If a claim is nonetheless settled through a freely chosen workshop, or on a cost-estimate basis from a freely chosen workshop, an additional EUR 300 deductible applies.
Territorial scope
Casco cover applies within the geographical borders of Europe and the non-European territories belonging to the European Union (A.2.4).
Anti-theft requirements
No specific anti-theft devices (e.g. alarm system, immobiliser) are prescribed as a condition of theft cover. Keys stolen from inside the insured vehicle are excluded from cover; lock/key replacement is reimbursed only if keys are stolen during a burglary or robbery. For high-value vehicles (>EUR 130,000), section Q requires the vehicle to be kept at its home location in a locked single, double or collective garage for theft and vandalism cover to apply.
Claim notification deadline
Any claim that may lead to a payout must be reported within one week (E.1.1.1). Vehicle theft must be reported immediately in text form (E.1.3.1), and theft, fire or animal-bite damage exceeding EUR 250 must also be reported to the police without delay (E.1.3.3).
Deductible rules
If a deductible (Selbstbeteiligung) is agreed, it is deducted from the indemnity for each claim per insured vehicle (A.2.5.8.1). It is waived for windscreen repair (not replacement) at a VHV-recommended workshop (A.2.5.8.2). Using a workshop other than the agreed partner workshop under the workshop-binding discount adds a further EUR 300 deductible (A.2.11).
Documents
General Terms and Conditions for Motor Insurance (AKB 2015, Stand 07/2025)
Terms & conditions
Insurance Product Information Document (IPID) - Motor Insurance
IPID
Product overview: KLASSIK-GARANT / KLASSIK-GARANT 2.0 vs. EXKLUSIV
Table of benefits
FAQ: Electric and hybrid vehicles in comprehensive motor insurance
Other document
Prior edition of consumer information and AKB (Stand 10/2023) - superseded
Other document
Policy specifics
New price compensation
Full replacement value for vehicles destroyed or stolen within 24-36 months of first registration (depending on variant)
SourceWorkshop binding option
Optional choice to use VHV partner workshops in exchange for 15% discount on casco premium
SourceElectric vehicle battery protection
Drive battery coverage as permanently installed vehicle component under all-risk comprehensive insurance
SourceValue depreciation allowance
5% of repair costs paid as value depreciation allowance within 36 months of first registration (accident damage only)
SourceGAP coverage
Gap insurance for financed/leased vehicles covering residual debt exceeding replacement value in total loss/theft
SourceAnimal-bite and short-circuit follow-up damage
Follow-up damage from animal bites (A.2.2.1.7) and short-circuit-related overvoltage damage to adjacent components (A.2.2.1.6) is covered up to EUR 10,000 under the base KLASSIK-GARANT 2.0 tariff, extended to EUR 20,000 under the EXKLUSIV add-on.
SourceNo-claims class protection (Rabattschutz)
Optional add-on (not available with statutory sums insured) that neutralises one claim-bearing loss per insurance year: despite the claim, the policy is still upgraded to the next-better no-claims class the following year. Requires at least no-claims class (SF) 3 in MTPL and, where applicable, comprehensive cover at the time of taking out the option; if both MTPL and Vollkasko are insured, Rabattschutz must be taken for both simultaneously.
SourceSpecial terms for high-value vehicles (>EUR 130,000)
For vehicles worth more than EUR 130,000, the documented total vehicle value replaces the standard maximum indemnity limit; VHV may require a value appraisal during the term. Cover excludes: fire/explosion while parked in a building with a thatched roof; theft and vandalism in about 22 named countries (including Albania, Belarus, Bulgaria, Estonia, Greece, Italy, Croatia, Latvia, Lithuania, Moldova, Montenegro, Poland, North Macedonia, Serbia, Romania, Russia, Slovakia, Slovenia, Czechia, Turkey, Ukraine, Hungary); theft and vandalism unless the vehicle is kept in a locked single/double/collective garage at its home location; and accidents on a race track or public area of a racing venue (e.g. Nürburgring Nordschleife), including 'training/skill' drives.
SourceMotorsport exclusion (broadened scope)
No cover for damage from use of the vehicle at a motorsport event or activity - including races, competitions, trainings, tests and demonstrations - in a restricted-access area, unless a motorsport liability policy under section 5d of the Pflichtversicherungsgesetz is in place for that use (A.2.9.2).
SourceGross negligence coverage
Comprehensive insurance covers damage from gross negligence (e.g., winter tires in snow without compliance)
SourceDamage service plus
Includes towing, repair in certified partner workshops, free replacement vehicle during repair, return transport of cleaned vehicle
SourcePerformance update guarantee
Automatic upgrade to new policy improvements without additional cost when VHV updates KLASSIK-GARANT tariff
SourceNo rating increase for casco claims
Casco claim does not result in downgrade to worse no-claim class; no premium increase for casco-only claim
SourceSelectable deductible
Policyholder can choose deductible level; workshop binding option reduces casco premium by 15% but adds 300 EUR deductible if own workshop used
SourceSchadenservice PLUS
Free service including towing, repair at DEKRA-certified partner workshops with 6-year repair guarantee, free courtesy vehicle, free collection/delivery, and direct billing with the partner workshop.
Source