VKB Casco (own-damage car insurance) (Kfz Vario Kasko)

Maximum compensation for any single claim is capped at the vehicle's new price; the exact payout depends on whether total-loss, partial-damage or theft rules apply within the selected tier (Teilkasko, TeilkaskoPLUS, Vollkasko or VollkaskoPLUS).

Pays the replacement value (Wiederbeschaffungswert) minus any residual value. If the car is new and the loss occurs within 6 months of first registration, the full new price is paid instead (VollkaskoPLUS extends this to 24 months); used cars purchased get purchase-value compensation for up to 24 months under VollkaskoPLUS.

Repair costs are paid up to the replacement value; if repair costs reach or exceed 80% of the new price and the damage occurs within 6 months of first registration (24 months under VollkaskoPLUS), the full new price is paid instead of repair costs.

Theft, robbery and unauthorised use are covered under Teilkasko. Payout occurs at the earliest one month after written notification, before which the vehicle may be recovered. A percentage deduction applies if the vehicle lacked a recognised immobiliser at the time of theft (waived if fitted). TeilkaskoPLUS/VollkaskoPLUS additionally provide a free replacement rental car (one class lower) for up to one month after theft.

Breakage damage to windows, mirror glass and light covers is covered under Teilkasko; consequential damage is excluded. If repaired through a VKB-designated glass specialist, the deductible is waived and, on windscreen replacement, the cost of a new emissions sticker is reimbursed.

Teilkasko covers direct impact of storm, hail, lightning, avalanches and flooding, including objects thrown onto the car by these forces. TeilkaskoPLUS extends this to earthquake, ground subsidence, landslide, volcanic eruption and roof avalanches (Dachlawinen).

Malicious or wanton damage caused by persons with no right to use the vehicle is only covered once Vollkasko (or VollkaskoPLUS) is chosen; it is not included in Teilkasko alone.

Provided via the optional Schutzbrief add-on, not as part of the core casco cover. Roadside recovery is capped at 150 EUR and towing at 200 EUR, but costs are covered without limit if the incident is reported immediately to VKB's 24/7 accident and breakdown hotline and the assistance is organised by VKB.

Under TeilkaskoPLUS/VollkaskoPLUS, a free replacement rental vehicle (one rental class lower) is provided for up to one month after vehicle theft. Separately, the optional Werkstatt Service add-on provides a free courtesy car when the vehicle is repaired at a VKB partner workshop after any covered claim.