Damage caused by a traffic accident you are responsible for to other vehicles, objects, or persons can result in significant financial consequences. The coverage amount insured by Allianz is significantly higher than the minimum insurance sum required by law across Europe.

If you injure other people in a traffic accident, it is referred to as personal injury. These can often lead to serious financial consequences. The coverage amount insured by Allianz is significantly higher than the minimum insurance sum required by law across Europe.

If you harm protected species and habitats, bodies of water, or soil, it is considered environmental damage. These are covered by Allianz. For example, if oil leaking from your vehicle pollutes the environment after an accident, we will cover the cost of the remediation measures.

The following is insured:

• Property damage that you cause to your own property (another vehicle or building) with the insured vehicle.
• The maximum compensation is €100,000 per insurance year in Direct Plus and Comfort, and €200,000 in Premium.
• The deductible for own damage is €500 per claim.

If you are involved in an accident abroad in Europe through no fault of your own, we will compensate your damage according to German law and standards—up to €100 million.

• No uncertainty due to lengthy proceedings, e.g., before foreign courts.
• This protection is automatically included in Direct Plus.
• In Comfort and Premium, you can easily add this coverage to your policy.

• Covered are damages to your vehicle caused by theft and robbery.
• Theft of permanently installed parts (e.g. entertainment system) is also covered.
• In Comfort and Premium: If your car key is stolen through robbery or burglary (including from rooms or locked containers), we reimburse the costs of replacing door and steering locks or for recoding.

Covered are damages caused by:

• Collision with animals
• Animal bites, including consequential damages

The type of animal does not matter.

Covered are damages caused by fire and explosion as well as scorching and smoldering damage (e.g. short circuit).

In Comfort and Premium, consequential damages are also fully covered without limit.

• Covered are glass breakages of your vehicle's glazing (e.g. windshield, glass roof).
• If the windshield is repaired without replacement, we waive the deductible.

• Covered are damages directly caused by hail, storm (from wind force 7), flooding, earthquakes, and avalanches of all kinds.
• Also covered are damages caused by natural forces throwing objects onto or against the vehicle.

As climate change progresses, extreme weather events (e.g. heavy hail, storms and hurricanes, floods, heavy rain, droughts, and heat waves) will occur more frequently. Preventive measures help protect your vehicle effectively. A range of effective preventive steps is available on our corporate sustainability page.

The new or purchase price of the vehicle is insured: In the event of total loss or theft, we reimburse you the new or purchase price for the specified period instead of the current market value at the time of damage.

• If you have an accident with a carsharing vehicle registered in Germany and owe a contractual deductible to the provider (e.g. ShareNow, Miles), we cover the difference up to your agreed deductible with us.
• We pay up to €1,000 per claim.
• Your no-claims class (SF) will not be downgraded.
• In Comfort and Premium, this coverage also applies to rental cars rented and picked up within Germany.

• GAP coverage (difference coverage) is an add-on to the comprehensive insurance for leased or financed vehicles.
• In the event of a total loss or theft, the difference between the vehicle's value on the day of damage and the remaining credit or lease amount is insured.

In Comfort and Premium, the following benefits are also included in the partial coverage insurance:

• In the event of damage, costs for battery storage in a water container and vehicle parking costs for up to 14 days.
• Costs for battery condition diagnostics and residual value determination if the battery is damaged.
• In the case of a "total battery loss", the costs for removal and transport to the nearest return point.

Covered are damages to your vehicle, including insured parts, resulting from an accident you caused yourself or from vandalism. Also included are vehicle damages caused by a tire blowout—for example, damage to the chassis, suspension, or rims.

In the event of damage, destruction, or loss of the battery, insurance coverage applies to the battery against all events (all-risk coverage).

After an accident, your vehicle may lose value even if it is completely and professionally repaired. If the repair costs exceed €1,000, we compensate for this depreciation within the first four years.

Additionally in Premium: So-called wear, operation, and breakage damages are covered—for example, misfuelling or damage from emergency braking.

All benefits of the partial coverage insurance are included. Additionally, in the fully comprehensive insurance, your permanently installed charging station (wallbox or induction plate) is covered in Comfort and Premium if it is damaged due to:

• Operating error
• A vehicle defect
• Vandalism

Includes all partial coverage (Teilkasko) benefits.