Württembergische Versicherung AG
Württembergische
Württembergische is a motor casco insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
Under the optional Schadenservice+ add-on, Württembergische settles the repair invoice directly with its chosen certified partner workshop; the policyholder only pays the agreed deductible directly to the workshop. Without Schadenservice+, repair costs are reimbursed to the policyholder up to the calculated cap.
Geographic scope
Europe and the non-European territories belonging to the European Union
Cover applies within the geographical borders of Europe and the non-European territories of the EU; scope may extend further for MTPL if a Green Card has been issued
Unique selling points
- Waives the defense of gross negligence in both KompaktSchutz and PremiumSchutz comprehensive cover, except in cases of theft, alcohol or drugs.
- The optional Kasko+ extension raises new/purchase-price indemnity after a total loss from the standard 24 months to 48 months for owned or financed vehicles.
- PremiumSchutz includes an all-risk cover for the EV/hybrid battery, going beyond the perils otherwise listed in the policy.
- Waives the usual 'new-for-old' wear deduction when damaged parts are replaced with new ones or the vehicle is repainted.
- No deductible is charged when a windscreen chip is repaired, rather than replaced, at a recommended partner workshop.
Coverage limits
Accident damage to the insured vehicle
Covered
Covers damage to the insured vehicle caused by an accident (a sudden external event acting on the vehicle with mechanical force). Included in both KompaktSchutz and PremiumSchutz; settled up to the replacement value (Wiederbeschaffungswert) of the vehicle, less any residual value.
Total loss / new-price or purchase-price indemnity
Conditional
On total loss, destruction or loss of the vehicle, the insurer pays the replacement value; alternatively, within a limited period after first registration, the new price (new vehicles) or purchase price (used vehicles) is paid instead: 12 months in KompaktSchutz; 24 months in PremiumSchutz, extended to 48 months if the optional Kasko+ extension is added.
Repair cost reimbursement (partial damage)
Covered
If the vehicle is damaged, repair costs are reimbursed up to the replacement value (Wiederbeschaffungswert) when the vehicle is fully and properly repaired; if not properly repaired, reimbursement is capped at the replacement value less residual value. Included in both KompaktSchutz and PremiumSchutz.
Theft and robbery (partial/total)
Covered
Covers theft, robbery and surrender of the vehicle due to robbery-related extortion, settled up to the replacement value. Included in both KompaktSchutz and PremiumSchutz. A separate benefit reimburses theft of a portable navigation device from a locked vehicle up to EUR 300, tapering with device age.
Glass breakage
20% of insured sum
Covers breakage damage to the vehicle's glazing (windscreen, rear/side windows, mirror glass, light covers); repairs are reimbursed against invoice with no follow-on damage cover. On total loss/destruction, glass replacement parts (excluding labour) are reimbursed up to 20% of the vehicle's replacement value. Included in both KompaktSchutz and PremiumSchutz; no deductible applies if a windscreen chip is repaired (not replaced) at a recommended partner workshop.
Natural hazards (storm, hail, flood, etc.)
Covered
Covers direct impact on the vehicle from storm (wind force 8+), hail, lightning, flood, snow/ice avalanches, landslides, rockfall, ground subsidence, earthquake and volcanic eruption, including objects thrown onto the vehicle by these forces. Included in both KompaktSchutz and PremiumSchutz, settled up to the replacement value.
Vandalism (malicious acts by third parties)
Covered
Covers malicious or reckless damage caused by persons not authorised to use the vehicle. Included in both KompaktSchutz and PremiumSchutz as part of the comprehensive (Vollkasko) cover.
Roadside assistance / breakdown cover (Schutzbrief)
Optional
The Schutzbrief is a separate, legally independent contract that can be taken out alongside CASCO. It provides roadside breakdown help (up to EUR 150), towing (up to EUR 200), vehicle storage (up to 14 days), and a rental car (7 days at up to EUR 70/day domestically, up to EUR 700 abroad), among other travel-assistance benefits, in both KompaktSchutz and PremiumSchutz.
Free replacement vehicle during repair (Schadenservice+)
Optional
Under the optional Schadenservice+ deckungserweiterung, the policyholder can receive a free replacement vehicle of the smallest category (small car) for the duration of a repair carried out at a workshop chosen by the insurer; fuel costs are not covered and this benefit does not apply to glass-damage claims. Available as an optional add-on in both KompaktSchutz and PremiumSchutz.
Driver personal-injury cover (Fahrer-Schutzversicherung)
€15,000,000
The Fahrer-Schutzversicherung is a separate, legally independent contract compensating the authorised driver's own personal injury (e.g. loss of earnings, survivors' pension, pain and suffering, adapted housing costs) from an accident while driving, as if a third party were liable. Benefits are capped at the personal-injury sum insured of the Kfz-Haftpflichtversicherung, i.e. up to EUR 15 million per injured person within the EUR 100 million blanket sum.
Key conditions
Driver age and experience limit
The optional Rabatt-Schutz (no-claims protection) only applies if the driver is at least 23 years old at the time of the claim; if the driver was younger, the claim leads to a standard downgrade. Separately, 17-year-old drivers may only use the vehicle under the BF17 accompanied-driving scheme, with a named accompanying person and never after that person has consumed alcohol or drugs.
Repair network requirements
Full Schadenservice+ benefits (pick-up/drop-off service, free replacement vehicle, cleaning, 6-year repair warranty) apply only if the vehicle is repaired at a certified workshop chosen by Württembergische; if repaired elsewhere, reimbursement is based on the rates of the nearest partner workshop and those extra services are excluded. A windscreen-chip repair (rather than a full replacement) carried out at a recommended partner workshop is exempt from the deductible.
Territorial scope
Cover applies within the geographical borders of Europe and the non-European territories belonging to the European Union.
Anti-theft requirements
No cover for vehicle-key/access-code theft if the keys were stolen during a break-in into the insured vehicle itself. Theft of a portable navigation device or dashcam is only covered if the device was secured to the vehicle by a mount or kept in a locked, non-visible glovebox/boot and no other insurance applies.
Claim notification deadline
Claims that may trigger a benefit must generally be reported within one week; theft, robbery or loss of the vehicle or its parts must be reported immediately (unverzüglich) in text form. Theft, fire or animal-collision damage exceeding EUR 500 must additionally be reported to the police immediately.
Deductible rules
The agreed deductible is deducted from the indemnity for each claim event and each insured vehicle. For claims arising from unforeseen brake, operational or breakdown damage (PremiumSchutz only), an additional EUR 500 deductible applies per event, waived for damage caused by charging errors or over/under-voltage when charging an EV/hybrid battery. No deductible is applied if a windscreen chip is repaired (rather than replaced) at a recommended partner workshop.
Documents
General Terms and Conditions for Pkw Motor Insurance (AKB), effective 01.06.2025
Terms & conditions
Insurance Product Information Document (IPID) - Motor Insurance
IPID
Comparison: comprehensive vs. partial vs. third-party liability cover
Table of benefits
Kfz-Versicherung landing page
Other document
Vollkasko (comprehensive) information page
Other document
Policy specifics
Gross negligence waiver in CASCO
Württembergische waives the defense of gross negligence in partial and full comprehensive coverage after a damage event, with exceptions
SourceKasko+ extension for value compensation
Optional extension available for full comprehensive coverage in Premium coverage tier extending new/purchase price compensation to 48 months and providing value compensation in repair cases
SourceDamage Service Plus with premium reduction
Optional service module providing damage management, replacement vehicle provision, and 15% premium reduction on CASCO coverage
SourceOwn-damage cover for own vehicles/buildings
In PremiumSchutz, collision damage that the policyholder (or another insured person) causes with the insured vehicle to another vehicle registered to them, or to their own garage/carport, is covered as if comprehensively insured, up to EUR 100,000 per insurance year (minimum deductible EUR 500); rental-car costs and loss of use are excluded
SourceBrake, operational and breakdown damage cover
In PremiumSchutz, unforeseen and sudden brake, operational or pure breakdown damage to the vehicle (e.g. incorrect refuelling, over/under-voltage while charging an EV/hybrid battery, material fatigue) is covered up to the agreed maximum indemnity, subject to an additional EUR 500 deductible per event
SourceGAP cover for leased/financed vehicles
In PremiumSchutz, after a total loss or total theft, the shortfall between the leasing settlement value or remaining finance debt and the replacement value is covered, once the new/purchase-price indemnity has been exhausted; leasing/finance contract and final settlement statement must be provided
SourceAuthorized repair network requirement
When Damage Service Plus is selected, repairs must be performed at DEKRA and TÜV-certified partner workshops
SourceVariable self-insurance deductible
Policyholder can select deductible amount for CASCO coverage to reduce premium; higher deductible results in lower premium
Source