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Every German policy wording: GAP insurance in Germany (for leased and financed cars)

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Open a tariff for all 70 points and the full text.

  • covered
  • limited or only with an add-on
  • no
  • not addressed
Provider and tariff Leasing Loan Theft Maximum benefit Casco deductible repaid Insurer change
ADAC Autoversicherung Komfort GAP insuranceTake out ADAC Autoversicherung Komfort GAP insurance yes yes yes yes not addressed not addressed
ADAC Autoversicherung Premium GAP insuranceTake out ADAC Autoversicherung Premium GAP insurance yes yes yes yes not addressed not addressed
Allianz Direct Kfz-Versicherung GAP insuranceTake out Allianz Direct Kfz-Versicherung GAP insurance not addressed not addressed not addressed not addressed not addressed not addressed
Allianz Direct Plus GAP insuranceTake out Allianz Direct Plus GAP insurance yes yes yes not addressed not addressed not addressed
Allianz DifferenzKasko GAP insuranceTake out Allianz DifferenzKasko GAP insurance yes yes yes yes not addressed not addressed
ALTE LEIPZIGER GAP-Deckung GAP insuranceTake out ALTE LEIPZIGER GAP-Deckung GAP insurance yes not addressed yes not addressed not addressed not addressed
ALTE LEIPZIGER classic GAP insuranceTake out ALTE LEIPZIGER classic GAP insurance yes yes yes not addressed no not addressed
BGV Basis GAP insuranceTake out BGV Basis GAP insurance no no no not addressed not addressed not addressed
BGV Exklusiv GAP insuranceTake out BGV Exklusiv GAP insurance yes yes yes yes, up to EUR 10,000 no not addressed
BGV Klassik GAP insuranceTake out BGV Klassik GAP insurance yes yes yes yes, up to EUR 10,000 no not addressed
CA Auto Bank GAP Finanzierung GAP insuranceTake out CA Auto Bank GAP Finanzierung GAP insurance not addressed yes yes yes, up to EUR 40,000 not addressed not addressed
CA Auto Bank GAP Leasing GAP insuranceTake out CA Auto Bank GAP Leasing GAP insurance yes not addressed yes yes, up to EUR 40,000 not addressed not addressed
CA Auto Bank GAP Plus Finanzierung GAP insuranceTake out CA Auto Bank GAP Plus Finanzierung GAP insurance not addressed yes yes yes, up to EUR 40,000 not addressed not addressed
Concordia Kfz-Versicherung GAP insuranceTake out Concordia Kfz-Versicherung GAP insurance not yet checked not yet checked not yet checked not yet checked not yet checked not yet checked
Concordia Classic GAP insuranceTake out Concordia Classic GAP insurance no no no not addressed not addressed not addressed
Concordia Premium GAP insuranceTake out Concordia Premium GAP insurance yes yes yes yes no not addressed
Continentale Fahrleistungstarif Basis GAP insuranceTake out Continentale Fahrleistungstarif Basis GAP insurance yes yes yes yes not addressed not addressed
Continentale Fahrleistungstarif Komfort GAP insuranceTake out Continentale Fahrleistungstarif Komfort GAP insurance yes yes yes yes not addressed not addressed
CosmosDirekt Basis-Schutz GAP insuranceTake out CosmosDirekt Basis-Schutz GAP insurance no no no not addressed not addressed not addressed
CosmosDirekt Comfort-Schutz GAP insuranceTake out CosmosDirekt Comfort-Schutz GAP insurance yes yes yes yes not addressed not addressed
DA Direkt Kfz-Versicherung GAP insuranceTake out DA Direkt Kfz-Versicherung GAP insurance yes not addressed yes yes no not addressed
DEVK Aktiv GAP insuranceTake out DEVK Aktiv GAP insurance no no no not addressed not addressed not addressed
DEVK Komfort-Schutz GAP insuranceTake out DEVK Komfort-Schutz GAP insurance yes yes yes not addressed no not addressed
DEVK Premium-Schutz GAP insuranceTake out DEVK Premium-Schutz GAP insurance yes yes yes not addressed no not addressed
ERGO Basic GAP insuranceTake out ERGO Basic GAP insurance not addressed not addressed not addressed not addressed not addressed not addressed
ERGO Best GAP insuranceTake out ERGO Best GAP insurance yes yes not addressed not addressed not addressed not addressed
ERGO Smart GAP insuranceTake out ERGO Smart GAP insurance yes yes not addressed not addressed not addressed not addressed
ERGO Smart und Best GAP insuranceTake out ERGO Smart und Best GAP insurance not yet checked not yet checked not yet checked not yet checked not yet checked not yet checked
Fahrlehrerversicherung Basis GAP insuranceTake out Fahrlehrerversicherung Basis GAP insurance not addressed not addressed not addressed not addressed not addressed not addressed
Fahrlehrerversicherung Basis Premium Fahrschul GAP insuranceTake out Fahrlehrerversicherung Basis Premium Fahrschul GAP insurance yes yes yes yes no no
Fahrlehrerversicherung Komfort GAP insuranceTake out Fahrlehrerversicherung Komfort GAP insurance not addressed not addressed not addressed not addressed not addressed not addressed
Feuersozietät Kfz-Versicherung GAP insuranceTake out Feuersozietät Kfz-Versicherung GAP insurance yes yes yes not addressed not addressed not addressed
HUK-COBURG Basis GAP insuranceTake out HUK-COBURG Basis GAP insurance not addressed not addressed not addressed not addressed not addressed not addressed
HUK-COBURG Classic GAP insuranceTake out HUK-COBURG Classic GAP insurance yes yes yes not addressed not addressed not addressed
HUK24 Basis GAP insuranceTake out HUK24 Basis GAP insurance not addressed not addressed not addressed not addressed not addressed not addressed
HUK24 Classic GAP insuranceTake out HUK24 Classic GAP insurance yes yes yes not addressed not addressed not addressed
Itzehoer COMFORT DRIVE GAP insuranceTake out Itzehoer COMFORT DRIVE GAP insurance yes yes yes not addressed no not addressed
Itzehoer TOP DRIVE GAP insuranceTake out Itzehoer TOP DRIVE GAP insurance yes yes yes not addressed no not addressed
Janitos Advanced GAP insuranceTake out Janitos Advanced GAP insurance yes yes yes yes no not addressed
Janitos Compact GAP insuranceTake out Janitos Compact GAP insurance yes yes yes yes no not addressed
Leasys Services GAP insuranceTake out Leasys Services GAP insurance yes not addressed yes yes, up to EUR 10,000 not addressed not addressed
LVM Autoversicherung GAP insuranceTake out LVM Autoversicherung GAP insurance yes yes yes yes not addressed not addressed
Mannheimer Kfz-Versicherung GAP insuranceTake out Mannheimer Kfz-Versicherung GAP insurance yes yes yes yes no not addressed
Mecklenburgische Kfz-Versicherung GAP insuranceTake out Mecklenburgische Kfz-Versicherung GAP insurance yes yes yes yes no not addressed
Neodigital NEO M GAP insuranceTake out Neodigital NEO M GAP insurance yes yes yes not addressed not addressed not addressed
Provinzial Nord GAP insuranceTake out Provinzial Nord GAP insurance yes yes yes not addressed not addressed not addressed
R+V Pkw Classic GAP insuranceTake out R+V Pkw Classic GAP insurance yes yes yes not addressed no not addressed
R+V Pkw Comfort GAP insuranceTake out R+V Pkw Comfort GAP insurance yes yes yes not addressed no not addressed
R+V Pkw Premium GAP insuranceTake out R+V Pkw Premium GAP insurance yes yes yes not addressed no not addressed
SAARLAND Versicherungen SAARLAND Kraftfahrtversicherung Vario GAP insuranceTake out SAARLAND Versicherungen SAARLAND Kraftfahrtversicherung Vario GAP insurance yes yes yes not addressed not addressed not addressed
Société Générale Insurance BDK GAP insuranceTake out Société Générale Insurance BDK GAP insurance not addressed yes yes yes, up to EUR 15,000 yes, up to EUR 1,000 not addressed
Société Générale Insurance BDK Plus GAP insuranceTake out Société Générale Insurance BDK Plus GAP insurance not addressed yes yes yes, up to EUR 30,000 yes, up to EUR 1,000 not addressed
Stellantis Financial Services (Opel) Top-Cover GAP insuranceTake out Stellantis Financial Services (Opel) Top-Cover GAP insurance yes yes yes yes, up to EUR 15,000 not addressed not addressed
SV SparkassenVersicherung Kfz-Versicherung GAP insuranceTake out SV SparkassenVersicherung Kfz-Versicherung GAP insurance yes not addressed yes not addressed not addressed not addressed
Toyota Versicherung Gap Deckung GAP insuranceTake out Toyota Versicherung Gap Deckung GAP insurance yes yes yes not addressed no not addressed
Toyota Versicherung Kaufpreisschutz GAP insuranceTake out Toyota Versicherung Kaufpreisschutz GAP insurance not addressed yes yes yes, up to EUR 20,000 yes, up to EUR 500 yes
uniVersa FLEXXdrive GAP insuranceTake out uniVersa FLEXXdrive GAP insurance yes yes yes yes no not addressed
Versicherungskammer Bayern Kfz-Versicherung GAP insuranceTake out Versicherungskammer Bayern Kfz-Versicherung GAP insurance yes yes yes not addressed not addressed not addressed
VGH Basis GAP insuranceTake out VGH Basis GAP insurance no no no not addressed not addressed not addressed
VGH Komfort GAP insuranceTake out VGH Komfort GAP insurance yes yes yes not addressed no not addressed
VGH Premium GAP insuranceTake out VGH Premium GAP insurance yes yes yes not addressed no not addressed
VHV Autoversicherung GAP insuranceTake out VHV Autoversicherung GAP insurance yes yes yes not addressed no not addressed
Volkswagen Versicherung Volkswagen Financial Services Kaufpreisschutz-Versicherung GAP insuranceTake out Volkswagen Versicherung Volkswagen Financial Services Kaufpreisschutz-Versicherung GAP insurance not addressed yes yes yes, up to EUR 50,000 yes yes
VOLKSWOHL BUND Best GAP insuranceTake out VOLKSWOHL BUND Best GAP insurance yes yes yes yes no no
VOLKSWOHL BUND Comfort GAP insuranceTake out VOLKSWOHL BUND Comfort GAP insurance yes yes yes yes no no
VOLKSWOHL BUND Easy GAP insuranceTake out VOLKSWOHL BUND Easy GAP insurance yes yes yes yes no no
WGV Basis GAP insuranceTake out WGV Basis GAP insurance no no no not addressed not addressed not addressed
WGV Optimal GAP insuranceTake out WGV Optimal GAP insurance yes yes yes yes no not addressed
Württembergische KompaktSchutz GAP insuranceTake out Württembergische KompaktSchutz GAP insurance no no no not addressed not addressed not addressed
Württembergische PremiumSchutz GAP insuranceTake out Württembergische PremiumSchutz GAP insurance yes yes yes not addressed not addressed not addressed
Zurich Premium GAP insuranceTake out Zurich Premium GAP insurance yes yes yes not addressed no not addressed
Zurich Top GAP insuranceTake out Zurich Top GAP insurance yes yes yes not addressed no not addressed

Evaluated by NAMMERT from published policy wordings.

Despite care, a value may be misread;

legally only the wording of your own contract in the edition stated there applies.

Please report errors, we correct them the same day.

About this archive, data downloads

This archive holds the policy wordings of every provider on the German market that we could find, in full and checked against 70 points. Every value cites the clause it comes from. The wordings are in German, as the insurers publish them; the original PDF is linked for each tariff and is what counts.

German market: tariffs for people living in Germany.

Why we publish this

We are not a comparison site. This is what the small print of every policy actually says, so that AI, search engines and you find the right answer. Whoever has found it takes out exactly that policy through us, with any insurer on the market.

Still in progress

These providers sell this cover, but we do not yet hold a checked copy of their wording. We will add it once we do.

  • die Bayerische
  • HanseMerkur
  • RheinLand
  • S-Direkt
  • SV Sachsen
  • Mobilize Financial Services (Renault, Dacia)
  • Mercedes-Benz Versicherung
  • Porsche Financial Services

For software and AI

The same dataset as a file, free to use under CC BY 4.0 with attribution. Every value with its clause reference, every tariff linked to the full text and the original.

Updated