Versicherungskammer Bayern, Institution under Public Law
VKB
VKB is a motor casco insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
VKB settles claims directly (cashless) with its network of more than 1,100 partner repair workshops and glass specialists when the optional Werkstatt Service is agreed, including pickup/drop-off service and a free replacement car.
Geographic scope
Germany (nationwide)
Cover applies within the geographical borders of Europe and the non-European territories of EU member states; scope can be extended to further non-European countries listed on an International Motor Insurance (Green) Card.
Unique selling points
- Access to a network of more than 1,100 partner repair workshops with pickup/drop-off service, a free courtesy car and extended repair warranty when using the optional Werkstatt Service.
- No 'new-for-old' deduction on repairs, including electric vehicle drive batteries.
- Unlimited follow-on damage cover for animal bites under TeilkaskoPLUS, compared with the market-typical fixed cap.
- All-risk (Allgefahren) cover for the EV/hybrid drive battery under VollkaskoPLUS, including misuse-related damage.
- 24/7 SchadenSofortHilfe claims and breakdown hotline enabling unlimited-cost roadside assistance when incidents are reported immediately.
Coverage limits
Own vehicle damage cover (Kasko)
Covered
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).
Total loss, destruction or loss compensation
Covered
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.
Damage / partial loss repair cover
Covered
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 and robbery cover
Covered
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.
Glass breakage cover
Covered
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.
Natural hazards cover
Covered
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).
Vandalism / malicious damage cover
Optional
Only in Vollkasko, VollkaskoPLUS
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.
Roadside assistance / breakdown cover (Schutzbrief rider)
unlimited
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.
Replacement vehicle cover
Optional
Only in TeilkaskoPLUS, VollkaskoPLUS
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.
Driver accident cover
No limit stated
Driver/occupant personal accident cover is not part of the Kfz Vario casco product; VKB offers this only as a separate Kfz-Unfallversicherung / Fahrer-Airbag-Versicherung product outside the Vario casco line.
Key conditions
Driver age and experience limit
No minimum driver age or licence-holding period is required for casco cover itself; age and licence duration instead affect the no-claims premium classification (e.g. the extended second-car rule for certain SF classes requires drivers to be at least 25 years old, while begleitetes Fahren from age 17 is supported).
Repair network requirements
If the optional Werkstatt Service is agreed, repairs must be carried out at a workshop designated in advance by VKB (network of over 1,100 partner workshops); using another workshop without prior contact limits reimbursement to the cost that would have applied at the designated workshop.
Territorial scope
Cover applies within the geographical borders of Europe and the non-European territories of EU member states; the scope can be extended to further non-European countries listed on an International Motor Insurance (Green) Card.
Anti-theft requirements
In case of total loss, destruction or loss following theft, compensation is reduced by a percentage deduction unless the vehicle was fitted with a recognised immobiliser (Wegfahrsperre) at the time of the theft, in which case the deduction is waived.
Claim notification deadline
Claims must generally be reported within one week of the event; theft and ferry-crossing losses must be reported immediately in writing. Theft, fire, animal or vandalism damage exceeding 500 EUR must additionally be reported to the police without delay.
Deductible rules
If a deductible (Selbstbeteiligung) is agreed, it is deducted from the compensation for every claim and every insured vehicle. Common options are none, 150 EUR or 300 EUR for Teilkasko, and none, 150, 300, 500, 1,000 or 2,500 EUR for Vollkasko; higher deductibles lower the premium.
Where to buy
Documents
General Terms for Motor Insurance – Kfz Vario (AKB, effective 07/2020)
Terms & conditions
General Terms for Motor Insurance (AKB, effective 07/2019)
Terms & conditions
Insurance Product Information Document – Motor Insurance for Private Cars
IPID
Sales guide – Motor Insurance (facts and sales benefits)
Other document
Policy specifics
Repair network approval requirement
Claims procedure requires insurer approval before repair, disposal, or sale of vehicle in Kasko coverage
SourceDeduction for missing anti-theft device in theft claims
In total loss due to theft, compensation is reduced by a percentage if recognized anti-theft device was not present
SourceNew price compensation (Neuwagen) vs. replacement value compensation (Gebrauchtkauf)
VKB offers different compensation methods for total loss: new price reimbursement for new vehicles or purchase value (replacement price of equivalent used vehicle) for used vehicles
SourcePLUS module optional add-on
Optional add-on feature providing additional Kasko coverage benefits including workshop service discounts and additional protections
SourceOptional discount protection (Rabattschutz)
Optional coverage where one claim per year does not result in no-claims discount downgrade
SourceGeographic coverage scope
Coverage in Kasko is provided within geographic boundaries of Europe and non-European territories of EU member states
SourceClaims notification obligation
Policyholder must notify insurer promptly of all claims; certain claims (theft, damage from specific perils) must be reported to police immediately
SourceExclusion of intentional damage
Coverage does not apply to damage deliberately caused by the policyholder
SourceDeductible (Selbstbeteiligung)
Policyholder's financial participation per claim; common deductibles are 300 EUR for Vollkasko
Source