WWK Casco (own-damage car insurance) (Kaskoversicherung Basis Plus)

Comprehensive cover (Vollkasko) pays for damage to the insured vehicle from an accident, including at-fault collisions and damage caused by a hacking/cyberattack; this is not covered under Teilkasko alone and only activates if Vollkasko scope is chosen. Maximum compensation per event is capped at EUR 20,000 for motorcycles/trikes/quads, EUR 50,000 for caravans, EUR 120,000 for cars/campers, and EUR 300,000 for other vehicles, unless otherwise agreed; the basis/plus tariff variant does not change this cap.

Pays the replacement value (Wiederbeschaffungswert) less residual value on total loss, destruction or loss of the vehicle. New-price compensation for new vehicles applies within 3 months (basis) or 12 months (plus) of first registration; used-vehicle purchase-price compensation (12 months, plus tier only, vehicle not older than 4 years) is also available for cars, motorcycles, campers and light trucks. Overall compensation is capped per vehicle class (EUR 20,000–300,000).

Reimburses repair costs up to the replacement value against invoice; if not fully or properly repaired, reimbursement follows a workshop-rate calculation up to the replacement value less residual value, excluding UPE surcharges. The plus tier additionally covers reparation-related replacement of brake/operating fluids, standing fees up to EUR 150, and waives the 'new for old' deduction (battery excepted).

Teilkasko (available in both basis and plus) covers theft, robbery, extortion-induced surrender, limited embezzlement, unauthorized use, and vehicle damage from an attempted theft. The plus tier additionally covers key/lock replacement costs (unless the keys were in the vehicle), embezzlement during a test drive, and a EUR 300 mobility allowance if the vehicle is not recovered within a month.

Covers breakage of the vehicle's glazing (windscreen, other windows, mirror glass, light covers) in both tariff variants, including required calibration costs after windscreen replacement. No deductible is retained for a pure glass-crack repair that does not require full replacement (any tier). The plus tier additionally covers bulb replacement/interior cleaning after glass breakage and, without a separate cap, replacement of valid road-toll vignettes/emission stickers after a windscreen replacement (basis: not covered).

Both tariff variants cover storm (wind force 8+), hail, lightning strike, and flood. The plus tier additionally covers avalanches, landslides, ground subsidence/sinkholes, earthquake, and volcanic eruption, which are excluded under basis.

Only covered under comprehensive cover (Vollkasko); it pays for malicious or spiteful damage caused by unauthorized third parties. Explicitly excluded from Teilkasko-only cover per the IPID.

Roadside assistance is not part of Kasko itself; it is provided via the separate Autoschutzbrief (Kfz Schutzbrief) add-on, which is taken out in connection with the MTPL policy, not the Kasko policy. It covers breakdown recovery and towing up to EUR 300 (no cap if organized through WWK's 24/7 emergency hotline), plus onward-travel, accommodation and rental-car support for breakdowns more than 50 km from the policyholder's home.

Base Kasko excludes loss-of-use and rental-car costs generally, but pays a EUR 300 mobility allowance (plus tier only) if a stolen vehicle is not recovered within a month, on proof of use of a substitute (rental car, car-sharing, public transport, taxi). Separately, the optional Werkstattmanagement add-on provides a free loan car during repair, and the Autoschutzbrief add-on (linked to the MTPL policy) provides a rental car for up to 7 days at EUR 80/day after a breakdown or accident.