WWK Lebensversicherung a.G.
WWK
WWK is a motor casco insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
If the optional Werkstattmanagement add-on is selected, WWK arranges repair directly with a partner workshop and settles the invoice with the workshop, backed by a 6-year repair guarantee. Without this add-on, the policyholder pays the workshop and is reimbursed up to the replacement value (minus residual value) on presentation of an invoice; repairing at a non-partner workshop under Werkstattmanagement is reimbursed at only 80% of costs.
Geographic scope
Europe and non-European territories within the EU's scope of application
Cover applies within the geographic boundaries of Europe and the non-European territories that fall within the scope of application of the European Union.
Unique selling points
- Comprehensive cover under the plus tariff waives the gross-negligence defence, so claims are still paid if the policyholder acted with gross negligence (except drink/drug-related incidents).
- The optional Werkstattmanagement service includes a 6-year repair guarantee plus free pick-up/drop-off and a loan car while the vehicle is repaired at a WWK partner workshop.
- No deductible is retained for windshield chip repairs that do not require full glass replacement.
- The Kasko XtraSchutz add-on covers self-inflicted damage to the policyholder's other owned vehicles or buildings (EigenschadenSchutz) up to EUR 100,000.
- The ElektroPlus add-on provides all-risk cover for the EV/hybrid drive battery up to EUR 20,000, including damage from overcharging or deep discharge.
Coverage limits
Own damage (collision / at-fault accident)
€20,000 – €300,000
Only in Vollkasko basis, Vollkasko 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.
Total loss, destruction or loss (e.g. theft)
€20,000 – €300,000
Only in basis, plus
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).
Partial damage / repair costs
€20,000 – €300,000
Only in basis, plus
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).
Theft, robbery and unauthorized use
€20,000 – €300,000
Only in basis, plus
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.
Glass breakage
Covered
Only in basis, plus
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).
Natural hazards (storm, hail, flood; extended perils in plus)
Covered
Only in basis, plus
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.
Vandalism / malicious or spiteful acts
€20,000 – €300,000
Only in Vollkasko basis, Vollkasko plus
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 / breakdown cover (Autoschutzbrief)
€300
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.
Replacement vehicle / mobility allowance
€300
Only in plus
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.
Driver accident cover (FahrerUnfallSchutz)
€15,000,000
This is an optional add-on taken out in connection with the MTPL policy, not the Kasko policy. It covers the driver's own bodily injury/death from an at-fault accident while steering the insured car, provided the driver is at least 23 years old. Benefits are calculated as if WWK were liable as MTPL insurer (lost income, care costs, funeral costs, dependants' maintenance) up to the agreed personal-injury sum insured (up to EUR 15 million per injured person); no pain-and-suffering (Schmerzensgeld) payment is made.
Key conditions
Driver age and experience limit
No minimum driver age is required for Kasko cover itself, but if the vehicle is driven by a driver younger than those declared in the policy at the time of a loss, an additional EUR 1,000 deductible applies (waived for medical emergencies or use by a workshop). The separate driver-accident add-on (FahrerUnfallSchutz) requires the driver to be at least 23 years old.
Repair network requirements
There is no general obligation to use a partner workshop for standard Kasko claims; reimbursement is based on the usual local workshop rates at the vehicle holder's residence. If the optional Werkstattmanagement add-on is selected, WWK chooses the repair workshop from its partner network, provides a 6-year repair guarantee plus pick-up/drop-off and a loan car; repairing at a non-selected workshop under this add-on reduces reimbursement to 80% of costs.
Territorial scope
Cover applies within the geographic boundaries of Europe and the non-European territories that fall within the scope of application of the European Union.
Anti-theft requirements
The provided terms and conditions do not specify mandatory anti-theft devices (e.g. alarm systems or immobilizers) as a precondition for theft cover; only the general duty to prevent unauthorized use of the vehicle applies.
Claim notification deadline
Claims must generally be reported within one week of the loss event. Theft of the vehicle must be reported immediately in text form. If a theft, fire, wildlife-collision or malicious-damage loss exceeds EUR 1,000, it must also be reported to the police without delay.
Deductible rules
The agreed deductible (Selbstbeteiligung) is stated in the policy schedule and deducted from every claim payment. An additional EUR 1,000 deductible applies if the loss is caused by a younger driver than declared (with exceptions for medical emergencies/workshop use). No deductible is retained for a pure glass-crack repair without replacement. Under the Kasko XtraSchutz add-on, a EUR 50 deductible applies to Parkschaden (smart-repair) claims and a EUR 500 deductible applies to Eigenschaden claims.
Documents
General Terms and Conditions for Motor Insurance (AKB 2025, effective 01.10.2025)
Terms & conditions
Insurance Product Information Document (IPID), Stand 01.06.2025
IPID
AKB 2023 (previous edition, superseded by AKB 2025)
Other document
Product Overview WWK Motor Insurance 2025 (Stand 01.10.2025)
Table of benefits
Marketing flyer 'Große Leistung, kleiner Preis'
Other document
Product page: Car insurance (PKW)
Other document
Policy specifics
Casco insurance tariff variants
The Casco insurance (Kaskoversicherung) for PKWs is offered with two tariff variants: basis and plus. For other vehicle types, only the plus variant applies.
SourcePartial and comprehensive coverage options
Casco insurance can be arranged as either partial coverage (Teilkasko) or comprehensive coverage (Vollkasko) depending on the vehicle type.
SourceAuto contents protection
Coverage for damage to items carried in or on the vehicle, including clothing, accessories, travel luggage, and sports equipment, up to EUR 500.
SourceTire damage protection
Coverage for tire damage resulting from punctures, hitting curbs, blowouts, vandalism, or theft.
SourceCasco XtraProtection option
Optional extended casco coverage offering premium protection with additional modules such as self-damage coverage (EigenschadenSchutz), parking damage protection (ParkschadenSchutz), and foreign damage coverage (AuslandsschadenSchutz).
SourcePreliminary coverage for casco insurance
For casco insurance, preliminary coverage only exists if explicitly agreed in writing. Preliminary coverage converts to definitive coverage once the first or single premium payment is received.
SourceWorkshop management and repair service
Policyholders with Casco insurance can opt for the Werkstattmanagement (Workshop Management) add-on, through which WWK handles repairs at partner workshops. Alternatively, a damage service (Kfz-Schadenservice) can be arranged for free consultations.
Source14-day right of withdrawal
Policyholders can withdraw their contractual declaration within 14 days without providing reasons, in text form (letter, fax, email).
Source