Württembergische Gemeinde-Versicherung a. G. (WGV Group)
WGV
WGV is a motor casco insurance for the Germany market with online purchase and limited assistance availability.
Direct payment
In the standard Kasko tariff, repair costs are reimbursed to the policyholder against invoice up to the replacement value. If the Kasko SELECT workshop-tie option is agreed, WGV selects the repair workshop and settles the repair invoice directly with the workshop.
Geographic scope
Nationwide (Germany)
Coverage applies within the geographic borders of Europe and the non-European territories that belong to the scope of application of the European Union.
Unique selling points
- Kasko SELECT gives a 15% premium discount and a six-year repair warranty when repairs are carried out at a WGV partner workshop.
- The Rabattschutz option keeps one claim per year from downgrading the no-claims class for an additional premium.
- The optional Kfz-Schutzbrief add-on provides 24-hour breakdown and accident assistance including towing, recovery and roadside help.
- Ausland-Schadenschutz settles claims under German law when the policyholder has an unfair accident abroad caused by a foreign-registered vehicle.
- WGV motor insurance has received 'Sehr Gut' ratings from Stiftung Warentest and was named fairest price-performance insurer by Focus Money.
Coverage limits
Own vehicle damage (accident)
Covered
Vollkasko covers damage to the insured vehicle caused by an accident, defined as a sudden externally-acting mechanical event; the maximum indemnity is capped at the vehicle's new price. Included identically in both the OPTIMAL and BASIS tariff.
Total loss / destruction / theft-loss settlement
Covered
On total loss, destruction or loss of the vehicle, WGV pays the replacement value less any residual value. Under the OPTIMAL tariff, new-price compensation (instead of replacement value) applies for Pkw, trucks up to 3.5t, motorcycles and camper vans if the total loss occurs within 24 months of first registration (6 months under BASIS); a used-vehicle purchase-price indemnity (Kaufwertentschädigung) within 24 months of registration is available only under OPTIMAL.
Partial damage / repair costs
Covered
Repair costs are reimbursed up to the replacement value (or replacement value less residual value if not fully and properly repaired); no deduction for betterment (neu für alt) applies except for EV/hybrid batteries after year four. Under Kasko SELECT, WGV appoints the repair shop and settles directly, with a six-year repair warranty; using a non-designated workshop without prior contact reduces reimbursement to 85%.
Theft, robbery, unauthorized use
Covered
Teilkasko (included within Vollkasko) covers theft, robbery, surrender under robbery-related extortion, embezzlement (under conditions) and unauthorized use of the vehicle. Identical in both tariffs; after theft, door and steering locks and keys are replaced (including re-coding for keyless systems) under both OPTIMAL and BASIS.
Glass breakage
Covered
Covers breakage of the vehicle's glazing (windscreen, rear/side/roof/partition glass, mirror glass, light covers, solar modules on camper vans), plus re-calibration of driver-assistance systems after windscreen replacement and interior cleaning after a glass claim. Identical in both tariffs; if repaired (not replaced) at a WGV-brokered workshop, no deductible is charged.
Natural perils (storm, hail, lightning, flood, etc.)
Covered
OPTIMAL covers storm (from wind force 7), hail, lightning strike including overvoltage damage, flood, avalanches, mudslides, ground subsidence, earthquake and volcanic eruption. BASIS covers only storm, hail, lightning strike (incl. overvoltage damage from lightning) and flood; avalanches, mudslides, ground subsidence, earthquake and volcanic eruption are not covered under BASIS.
Vandalism (malicious acts by third parties)
Covered
Vollkasko covers malicious or wanton acts by persons not authorized to use the vehicle. Included identically in both the OPTIMAL and BASIS tariff.
Roadside assistance / breakdown help
Optional
Within Kasko itself, towing costs from the scene of a covered damage event to the nearest suitable repair workshop are reimbursed as part of the claim settlement (both tariffs). Broader 24-hour breakdown, accident and towing assistance is provided only via the separately contracted, optional Kfz-Schutzbrief add-on.
Replacement vehicle / rental car costs
Excluded
The Kasko contract explicitly excludes reimbursement of rental-car costs as a consequential loss. Rental-car cost cover after a breakdown is available only under the separate, optional Kfz-Schutzbrief add-on contract.
Driver/occupant accident cover
Optional
Accident benefits for occupants (Kfz-Unfallversicherung) and for the driver specifically (Fahrerschutzversicherung) are separate, individually contracted insurance types offered alongside Kasko, not automatically included within it.
Key conditions
Driver age and experience limit
Under Kasko, if the driver is 17 years old ('begleitetes Fahren'), the vehicle may only be driven with the legally prescribed accompanying person, who must not be impaired by alcohol or other intoxicants.
Repair network requirements
If the Kasko SELECT workshop-tie discount option is agreed, the policyholder must let WGV select and arrange the repair workshop for German Kasko claims (15% premium discount in return); using another workshop without prior contact reduces reimbursement to 85% of otherwise payable costs.
Territorial scope
Kasko cover applies within the geographic borders of Europe and the non-European territories belonging to the scope of application of the European Union.
Anti-theft requirements
The T&Cs do not specify mandatory anti-theft devices as a precondition for theft cover; general duties of care apply (e.g. not enabling gross-negligent facilitation of theft, which is one of the few exceptions where WGV still invokes gross negligence).
Claim notification deadline
Any Kasko damage event must generally be reported within one week; theft/loss of the vehicle or mitversicherte parts must be reported immediately in text form, and theft/fire/wildlife-collision damage over 500 EUR must be reported to the police without delay.
Deductible rules
The agreed deductible is deducted per claim event; an additional 500 EUR deductible applies to 'Eigenschäden' (own-property damage, OPTIMAL only), a 50 EUR deductible applies to Smart-Repair/Parkschadenschutz claims (OPTIMAL only, capped at 300 EUR damage), and no deductible is charged if a windscreen is repaired rather than replaced at a WGV-brokered workshop.
Policy specifics
Kasko Select Workshop Network Option
Optional discount tier (Kasko SELECT) in comprehensive motor insurance where policyholder receives 15% discount but insurer selects repair workshop for claims in Germany
SourceNew car compensation
For new vehicles, WGV provides compensation at new price (not depreciated value) in case of total loss within first 6 months of registration
SourceWaiver of gross negligence exclusion in Kasko
WGV largely waives the objection of gross negligence in Kasko claims, so that coverage is not reduced due to gross negligence of the insured except in few exceptions
SourceEV/hybrid charging equipment included free of charge
For electric and hybrid vehicles, a mobile charger, own charging cable with adapters, a fixed wallbox, the induction charging plate and the charging card are automatically co-insured as mitversicherte Teile at no extra premium, in both the OPTIMAL and BASIS tariff.
SourceAll-risk battery cover for EVs/hybrids (OPTIMAL only)
Under the OPTIMAL tariff only, WGV provides an all-risk cover for the EV/hybrid battery beyond standard Teilkasko/Vollkasko perils, covering damage, destruction or loss of the battery by any event (subject to standard exclusions, gradual wear, and manufacturing defects). This cover does not exist under the BASIS tariff.
SourceWorkshop network and repair selection
WGV operates a nationwide network of certified workshops; in standard comprehensive insurance (non-SELECT), free workshop choice; in Kasko SELECT tier, WGV selects approved partner workshop for Kasko claims in Germany
SourceData sharing for repair network assignment (Kasko SELECT)
In Kasko SELECT option, policyholder permits WGV to assign repair workshops and share relevant vehicle and claim data for network administration
SourceBattery coverage for electric vehicles
For electric vehicles, the vehicle battery (Akku) is automatically included in the comprehensive motor insurance (Kasko) at no extra cost
Source