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DEVK Versicherung Pkw: the policy wording in full

Oldtimertarif innerhalb der allgemeinen DEVK-AKB mit Marktwert laut Versicherungsschein, 25 Prozent Vorsorge für Wertsteigerung, Vandalismus und Transportunfall in der Teilkasko und ohne SF-System.

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Everything about this policy

What the policy covers: 69 points, each with its clause

Quotes are shortened.

The full German wording of each point is on the German page for DEVK Versicherung Pkw.

Eligibility and insurable vehicles

Point	Rule	Wording (German)	Clause
Minimum vehicle age (years since first registration or year of manufacture)	not addressed
Historic registration required (H plate, historic vehicle entry, matrícula histórica)	not addressed
Insurable with a regular or seasonal plate	yes	„Eine auf die Saisondauer abgestellte Berechnung gilt nicht für Verträge von Anhängern …“	B.7.2 d), page 56
Red classic plate (07) or interchangeable plate insurable	not addressed
Youngtimers insurable (younger than the classic threshold)	not addressed
Classic motorcycles insurable	not addressed
Special vehicles insurable (tractors, commercial vehicles, caravans, replicas)	not addressed
Several vehicles or a collection under one policy	not addressed
Everyday car required (second vehicle for daily use)	not addressed
Minimum age of policyholder or drivers	not addressed
Minimum vehicle value	not addressed
Minimum condition required (condition grade, original state, roadworthy)	not addressed

Use and storage

Point	Rule	Wording (German)	Clause
Annual mileage limit	not addressed
Consequences of exceeding the mileage (extra premium instead of benefit reduction)	not addressed
Use restricted (no commuting, no business use, hobby use only)	not addressed
Lockable garage or closed room required	not addressed
Winter driving or year round use allowed	not addressed
Classic rallies, tours and regularity runs covered	not addressed
Open driver circle or extendable without surcharge	not addressed

Value, appraisal and indemnity

Point	Rule	Wording (German)	Clause
Agreed value instead of replacement value	yes	„auf die im Versicherungsschein angegebenen Versicherungssumme (Marktwert) des Fahrzeugs …“	A.3.7.1, page 20
Valuation report required	not addressed
Maximum age of the valuation and renewal duty	not addressed
Value declaration without appraisal (self assessment, photos) up to a limit	not addressed
Cost of the valuation reimbursed	not addressed
Provision for value increase (uplift on the appraised value)	yes	„bei Fahrzeugen, die nach unserem Oldtimertarif versichert sind, in Höhe von 25 Prozent“	A.3.7.1, page 21
Waiver of underinsurance	not addressed
Indemnity for total loss or theft (appraised, market or agreed value)	yes, up to the sum insured	„Als Marktwert gilt der Verkaufswert des versicherten Fahrzeugs und seiner Teile am …“	A.3.7.1, page 20
Repair costs paid above vehicle value or at a specialist workshop	not addressed
Original or remanufactured parts and restoration effort paid	not addressed
No new for old deduction	not addressed
Owner keeps or may buy back the salvage	yes, up to the sum insured	„Rest- und Altteile sowie das unreparierte Fahrzeug verbleiben bei Ihnen und werden zum …“	A.3.15.2, page 24

Liability

Point	Rule	Wording (German)	Clause
Liability sum insured (combined)	yes, up to EUR 100 million	„100 Mio. Euro Pauschaldeckung für Personen-, Sach- und Vermögensschäden“	A.1.4, page 13
Limit per injured person	yes, up to EUR 15 million	„Die Versicherungssumme für Personenschäden ist dabei auf 15 Mio. Euro je geschädigte …“	A.1.4, page 13
Trailer and combination covered	yes, up to the sum insured	„Mitversicherung von Anhängern, Aufliegern und abgeschleppten Fahrzeugen“	A.1.1.4, page 11
No bonus malus or no downgrade after a claim	yes	„Fahrzeuge, die nach unserem Oldtimertarif versichert sind“	B.8.1, page 56

Own damage (casco)

Point	Rule	Wording (German)	Clause
Partial casco available	yes, up to the sum insured	„Der Versicherungsschutz erstreckt sich im Rahmen der Teilkaskoversicherung auch auf“	A.3.2.9, page 17
Full casco available	yes, up to the sum insured	„Versicherungsschutz besteht für das Fahrzeug einschließlich seiner mitversicherten …“	A.3.3, page 17
All risks cover (everything not excluded)	not addressed
Fire, explosion, theft and robbery	not addressed
Storm, hail, lightning, flood, avalanche and landslide	yes, up to the sum insured	„Im Komfort- und Premium-Schutz ist die unmittelbare Einwirkung von Sturm, Hagel …“	A.3.2.3, page 16
Collision with animals of any kind	yes, up to the sum insured	„Versichert ist der Zusammenstoß des in Fahrt befindlichen Fahrzeugs mit Tieren aller Art.“	A.3.2.4, page 16
Marten and animal bites including consequential damage	yes, up to the sum insured	„Im Komfort-Schutz sind Schäden durch Tierbiss an Kabeln, Schläuchen (ausgenommen z. B …“	A.3.2.5, page 16
Short circuit and wiring fire with consequential damage	yes, up to the sum insured	„Im Komfort-Schutz sind Schäden an der Verkabelung des Fahrzeugs durch Kurzschluss …“	A.3.2.7, page 17
Glass breakage including headlights and mirror glass	yes, up to the sum insured	„Als Verglasung gelten Glas- und Kunststoffscheiben (z. B. Front-, Heck-, Dach-, Seiten …“	A.3.2.6, page 16
Malicious damage by third parties (vandalism)	yes, up to the sum insured	„mut- und böswillige Beschädigung durch Dritte nach A.3.3.3 (Vandalismus).“	A.3.2.9, page 17
Engine, gearbox and operational damage	not addressed
Transport on trailer or truck and loading	yes, up to the sum insured	„Schäden am Fahrzeug, die beim Transport auf einer Ladefläche entstehen, wenn das …“	A.3.2.9, page 17
Stay at workshop, exhibition, fair or museum	not addressed
Removed parts, spare parts, accessories and tools	yes, up to the sum insured	„Fahrzeugen, die nach dem Oldtimertarif versichert sind, auch ein- oder angebaute Teile …“	A.3.1.1 b), page 15
Laid up cover or garage cover when deregistered	yes, up to the sum insured	„Mit der beitragsfreien Ruheversicherung gewähren wir Ihnen während der Dauer der …“	B.7.1.2, page 55
Vehicle covered during restoration	not addressed
Waiver of gross negligence defence	yes	„Wir leisten auch bei grob fahrlässiger Herbeiführung des Versicherungsfalls.“	A.3.16, page 24

Further benefits

Point	Rule	Wording (German)	Clause
Breakdown assistance and towing for classics	yes, up to the sum insured	„Der Autoschutzbrief „Auto Plus“ erbringt Serviceleistungen und ersetzt die entstehenden …“	A.6, page 34
Transport to a specialist workshop or home	not addressed
Driver or occupant protection	yes, up to the sum insured	„A.5 – Kfz-Unfallversicherung“	A.5, page 28
Territorial scope (Europe, geographical Europe, worldwide)	yes	„Sie haben Versicherungsschutz in den geografischen Grenzen Europas sowie den …“	A.3.18, page 24

Deductibles, exclusions and duties

Point	Rule	Wording (German)	Clause
Deductible in partial casco	not addressed
Deductible in full casco	not addressed
Exclusion of races at maximum speed	yes	„Kein Versicherungsschutz besteht für Schäden aus dem Gebrauch des Fahrzeugs bei einer …“	A.3.21.2, page 25
Exclusion of wear, rust, fatigue and ageing	yes	„Wir zahlen nicht für Veränderungen, Verbesserungen, Alterungs- und Verschleißschäden.“	A.3.15.1, page 24
Exclusion without valid roadworthiness test or approval	not addressed
Duty to report value changes (restoration, modification)	not addressed
Duty to maintain condition and keep the vehicle secure	yes	„Während der Dauer der Ruheversicherung sind Sie verpflichtet, das Fahrzeug“	B.7.1.3, page 56

Contract

Point	Rule	Wording (German)	Clause
Annual payment only	not addressed
Term and notice periods	yes	„Nach dem Eintritt eines Schadenereignisses können Sie den Vertrag kündigen.“	B.6.2.3, page 53
Insurer's right to cancel after a claim	yes	„Nach dem Eintritt eines Schadenereignisses können wir den Vertrag kündigen.“	B.6.3.3, page 54
Austria: travel limit for historic vehicles (120 days) and log book	not addressed
Spain: historic vehicle registration (Historic Vehicles Regulation, cataloguing)	not addressed
Spain: Consorcio de Compensación de Seguros for extraordinary risks	not addressed

Evaluated by NAMMERT from published policy wordings.

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Policy wordings and provider

Legal entity: DEVK Allgemeine Versicherungs-Aktiengesellschaft, DEVK Deutsche Eisenbahn Versicherung Sach- und HUK-Versicherungsverein a.G. Betriebliche Sozialeinrichtung der Deutschen Bahn
Distribution: brokers and direct

DEVK Kundeninformation zur Kfz-Versicherung mit Allgemeinen Bedingungen für die Kfz-Versicherung (AKB) Edition: AKB Stand 01.10.2026 (42032/08/2026) Original from the insurer (PDF, German)

Full text of the wording

The full text exists only in German.

It is printed on the German page for DEVK Versicherung Pkw and available as plain text.

Volltext DEVK Versicherung Pkw Oldtimerversicherung · As text (Markdown) DEVK Versicherung Pkw