Württembergische Casco (own-damage car insurance) (Kfz Kaskoversicherung)

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.

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).

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).

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.

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.

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.

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.

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.

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.