Wüstenrot & Württembergische AG
Württembergische
Württembergische is a motor casco insurance for the Germany market with no online purchase and 24/7 assistance.
Direct payment
When the Schadenservice+ add-on is used, Württembergische settles the repair invoice directly with the certified partner workshop; you only pay your agreed deductible directly to the workshop.
Geographic scope
Europe and the non-European territories belonging to the European Union
Coverage applies within the geographical borders of Europe and non-European EU territories; scope follows the legally required cover of the country visited, at minimum the scope of this contract.
Unique selling points
- A single call to the free 5-star claims hotline delivers top-level claims management including a replacement vehicle.
- Repairs are carried out exclusively in TÜV- and DEKRA-certified partner workshops.
- Repairs use original manufacturer parts, and OEM-quality parts are used for glass damage.
- Partner workshops provide 6 years of warranty on repairs, in addition to the existing manufacturer warranty.
- Choosing Schadenservice+ saves 15% on the comprehensive (Kasko) premium.
Coverage limits
Own damage from accident (Vollkasko)
Covered
Covers damage to the insured vehicle caused by accident (a sudden external mechanical event). Included in both KompaktSchutz and PremiumSchutz when comprehensive (Vollkasko) cover is chosen; payout is capped at the replacement value (Wiederbeschaffungswert) less residual value, not a fixed sum.
Total loss / theft settlement
Covered
Pays the replacement value (Wiederbeschaffungswert) less residual value; for new/used vehicles the new price or purchase price is paid instead for a limited period after total loss: 12 months in KompaktSchutz, 24 months in PremiumSchutz (extendable to 48 months with the optional Kasko+ add-on for owner/credit-financed vehicles).
Repair cost reimbursement (partial damage)
Covered
Reimburses necessary repair costs up to the replacement value (Wiederbeschaffungswert) if fully and properly repaired; otherwise up to the replacement value less residual value. Included in both product lines for all insured perils (Teilkasko and, where selected, Vollkasko).
Theft and robbery (Entwendung)
Covered
Covers theft, robbery and hand-over under robbery-related extortion of the vehicle or its parts, including damage caused by attempted theft. Included in both KompaktSchutz and PremiumSchutz; settlement is based on replacement value less residual value, not a fixed sum. Theft of a mobile navigation device from a locked vehicle is separately capped at up to EUR 300.
Glass breakage
20% of insured sum
Covers breakage damage to the vehicle's glazing (windscreen, rear/side windows, mirror glass, light covers); repair costs are covered without a stated cap, while at total loss/destruction glass replacement parts are reimbursed up to 20% of the replacement value. Included in both KompaktSchutz and PremiumSchutz.
Natural perils (storm, hail, flood, etc.)
Covered
Covers direct impact on the vehicle from storm (wind force 8+), hail, lightning, flood, snow/ice avalanches, landslides, rockfall, subsidence, earthquake and volcanic eruption. Included in both KompaktSchutz and PremiumSchutz; settlement is based on replacement value/repair cost, not a fixed sum.
Malicious damage / vandalism
Covered
Covers malicious or spiteful acts by persons who have no right to use the vehicle. This is a comprehensive-cover (Vollkasko) peril, not part of Teilkasko; malicious damage connected with theft also falls under Vollkasko rather than Teilkasko. Included in both KompaktSchutz and PremiumSchutz when Vollkasko is chosen.
Roadside assistance / breakdown cover (Schutzbrief)
Optional
The Schutzbrief is a legally separate, optional add-on contract providing roadside assistance for breakdown, accident or theft: on-site breakdown help up to EUR 150, towing up to EUR 200, vehicle storage up to 14 days, replacement journeys/overnight stays, and a rental car for up to 7 days at up to EUR 70/day (up to EUR 700 abroad). Not part of the base Kasko cover.
Replacement vehicle
€700
A free courtesy car (smallest category) for the repair duration is provided via the Schadenservice+ add-on (standard within KompaktSchutz; optional with a premium discount within PremiumSchutz) when repair is carried out at a partner workshop, with no stated cash cap. Alternatively, the optional Schutzbrief reimburses a rental car for up to 7 days at up to EUR 70/day domestically, or up to EUR 700 in total after a total loss/theft abroad.
Key conditions
Driver age and experience limit
No general minimum driver age applies to CASCO cover itself; however, if the vehicle is driven by someone under 18 without a valid accompanied-driving (BF17) permit, or without the required driving licence, this is a breach of duty that can reduce or exclude benefits.
Repair network requirements
Free choice of repair workshop applies by default. Only if the optional Schadenservice+ add-on is selected must repairs be carried out at a TÜV- and DEKRA-certified partner workshop chosen by Württembergische, using original manufacturer parts (OEM-quality parts for glass damage); without Schadenservice+ this restriction does not apply.
Territorial scope
Cover applies within the geographical borders of Europe and the non-European territories that belong to the European Union.
Anti-theft requirements
No specific anti-theft device is required. Overnight parking in a garage/carport (11pm-6am) is a premium-rating factor confirmed at contract start; parking on the street despite an agreed garage is a risk increase (Gefahrerhöhung) that can restrict cover, and theft, fire or animal-bite damage exceeding EUR 500 must be reported to the police without delay.
Claim notification deadline
Every claim event must be reported within one week; theft of the vehicle or its parts must be reported immediately (unverzüglich) in text form, and theft/fire/animal-bite damage over EUR 500 must additionally be reported to the police without delay.
Deductible rules
The agreed deductible is deducted per claim event and per insured vehicle. An additional EUR 500 deductible applies to Brems-, Betriebs- and Bruchschäden (PremiumSchutz only), waived for EV charging/voltage faults. No deductible applies if a windscreen chip is repaired (rather than replaced) at a recommended partner workshop, for GAP-only claims (the Teilkasko deductible applies instead), or for benefits under the Ausfalldeckung (Kasko+). A minimum deductible of EUR 500 applies to Eigenschaden claims on your own vehicles/buildings (PremiumSchutz only).
Policy specifics
Value compensation (Wertausgleich)
Optional premium coverage extension in PremiumSchutz (Premium Protection) line for vehicle damage repairs due to accidents or intentional damage
SourceKasko+ Coverage Extension
Premium add-on for financed and leased vehicles combining value compensation and extended new/purchase price reimbursement duration
SourceDamage Service+ (Schadenservice+)
Optional add-on benefit package including replacement vehicle, free pickup/delivery, repairs at certified partner workshops, 6-year guarantee on repairs, and vehicle cleaning
SourceDamage Service+ (Schadenservice+)
Add-on benefit package including a free replacement vehicle, pickup/delivery service, repairs at TÜV- and DEKRA-certified partner workshops, 6-year repair warranty, and vehicle cleaning after repair.
SourceAuthorized repair network (Partnerwerkstätten)
When Schadenservice+ is selected, repairs must be conducted at TÜV/DEKRA-certified partner workshops; repairs use OEM (original equipment manufacturer) parts or equivalent
SourceProduct tier / Leistungslinie (Kompakt vs. Premium)
Two main product tiers for Kfz insurance: KompaktSchutz (basic/compact) includes core coverage and Schadenservice+ as standard; PremiumSchutz (premium) offers broader optional add-ons and coverage extensions
Source