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ADAC Autoversicherung Komfort: the policy wording in full
Differenzkasko (GAP-Deckung) als fester Teil der Produktlinie Komfort der ADAC Autoversicherung: ersetzt bei Totalschaden oder Entwendung geleaster und finanzierter Fahrzeuge die Lücke zwischen Netto-Ablösewert oder Netto-Restkredit und der Kaskoentschädigung, begrenzt durch den Neupreis.
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Everything about this policy
What the policy covers: 70 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for ADAC Autoversicherung Komfort.
Basics and eligible contracts
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Form of cover (module of the comprehensive policy or stand-alone contract) | yes | „Diese Produktlinie ergänzt die Regelungen Ihrer Versicherungsbedingungen für die …“ | Produktlinie Komfort, Vorbemerkung, page 38 |
| GAP cover included in the comprehensive policy at no extra premium | yes | „Diese Produktlinie gilt nur, wenn Sie diese mit uns ausdrücklich vereinbart haben.“ | Produktlinie Komfort, Vorbemerkung, page 38 |
| Fully comprehensive cover is a precondition | not addressed | ||
| Partial cover is sufficient (theft, fire, natural hazards) | not addressed | ||
| Comprehensive policy must be held with the same insurer or intermediary | yes | „der mit uns vereinbarten Entschädigungsleistung der Kaskoversicherung nach A.2.1.6 …“ | Produktlinie Komfort Ziffer 5.2, page 38 |
| Leased vehicles covered | yes | „Bei einem geleasten Fahrzeug ersetzen wir die Differenz zwischen“ | Produktlinie Komfort Ziffer 5.2, page 38 |
| Loan financed vehicles covered | yes | „Bei einem finanzierten Fahrzeug ersetzen wir die Differenz zwischen“ | Produktlinie Komfort Ziffer 5.3, page 39 |
| Financing with balloon payment covered | not addressed | ||
| Cash purchase insurable (purchase price protection without financing) | not addressed | ||
| Eligible vehicle types (cars, motorcycles, motorhomes, vans) | not addressed | ||
| Used vehicles insurable | not addressed | ||
| Maximum vehicle age at inception | not addressed | ||
| Maximum insurable purchase price or vehicle value | not addressed | ||
| Leased or rented traction battery included | not addressed |
Insured event
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Total loss (destruction) as insured event | yes | „Ihr Fahrzeug hat einen Totalschaden erlitten oder wurde entwendet.“ | Produktlinie Komfort Ziffer 5.1, page 38 |
| Constructive total loss (repair costs above replacement value or a fixed percentage) | yes | „Die Reparaturkosten übersteigen den um den Restwert verminderten Wiederbeschaffungswert …“ | Produktlinie Komfort Ziffer 5.1, page 38 |
| Theft or loss of the whole vehicle | yes | „Ihr Fahrzeug hat einen Totalschaden erlitten oder wurde entwendet.“ | Produktlinie Komfort Ziffer 5.1, page 38 |
| Waiting period after theft before payment | not addressed | ||
| Benefit only if the comprehensive insurer settles the claim | none | „Wenn Sie ausschließlich die Leistung der Differenzkasko in Anspruch nehmen, gilt:“ | Produktlinie Komfort Ziffer 5.5, page 39 |
| Benefit also when a third party liability insurer pays the total loss | yes | „Sie erhalten Ihren Fahrzeugschaden vom Kfz-Haftpflichtversicherer des Unfallgegners …“ | Produktlinie Komfort Ziffer 5.5, page 39 |
| Benefit for repairable damage (no total loss) | no | „das Fahrzeug darf in diesem Fall nicht repariert werden.“ | Produktlinie Komfort Ziffer 5.1, page 38 |
Benefit and calculation
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Basis for leasing: settlement value under the lease contract | yes | „Der Netto-Leasing-Ablösewert ergibt sich aus der Endabrechnung des Leasingvertrags.“ | Produktlinie Komfort Ziffer 5.2, page 38 |
| Basis for loans: outstanding balance on the date of loss | yes | „Bei einem finanzierten Fahrzeug ersetzen wir die Differenz zwischen der …“ | Produktlinie Komfort Ziffer 5.3, page 39 |
| Payment of the difference to replacement value or to the comprehensive settlement | yes, up to the sum insured | „Bei einem geleasten Fahrzeug ersetzen wir die Differenz zwischen dem …“ | Produktlinie Komfort Ziffer 5.2, page 38 |
| Payment of the difference to purchase or list price (return to invoice, new for old) | yes, up to the sum insured | „Wenn Sie Anspruch auf die Kaufpreisentschädigung haben, zahlen wir Ihnen zusätzlich die …“ | Zusatzbaustein Werterhaltgarantie Ziffer 2, page 53 |
| Duration of purchase price or new value indemnity | yes | „verlängert sich die Dauer der Kaufpreisentschädigung auf 24 Monate.“ | Produktlinie Komfort Ziffer 4, page 38 |
| Maximum benefit of the GAP cover | yes, up to the sum insured | „Die Leistungen aus der Kaskoversicherung und der Differenzkasko sind in jedem Fall …“ | Produktlinie Komfort Ziffer 5.4, page 39 |
| Cap at a percentage of replacement value, purchase price or list price | none | „Die Leistungen aus der Kaskoversicherung und der Differenzkasko sind in jedem Fall …“ | Produktlinie Komfort Ziffer 5.4, page 39 |
| VAT is reimbursed | no | „Bei Leasingfahrzeugen erstatten wir keine Mehrwertsteuer, wenn der Leasinggeber …“ | A.2.1.6.4, page 14 |
| Deductible of the comprehensive policy is reimbursed | not addressed | ||
| Separate deductible within the GAP cover | none | „Ein Abzug der Selbstbeteiligung und eine Rückstufung Ihrer Schadenfreiheitsklasse …“ | Produktlinie Komfort Ziffer 5.5, page 39 |
| Salvage value is deducted | not addressed | ||
| Initial lease payment or deposit is taken into account | not addressed | ||
| Extra benefit for replacement (registration, delivery, allowance) | not addressed | ||
| Payment made directly to lessor or lender | not addressed |
What reduces the benefit
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Arrears and default interest not covered | yes | „Kein Versicherungsschutz besteht für Nachforderungen wegen rückständiger Leasingraten …“ | Produktlinie Komfort Ziffer 5.2, page 39 |
| Excess mileage and wear charges not covered | yes | „Kein Versicherungsschutz besteht für Nachforderungen wegen rückständiger Leasingraten …“ | Produktlinie Komfort Ziffer 5.2, page 39 |
| Early termination and administration fees not covered | yes | „Kein Versicherungsschutz besteht für Nachforderungen wegen rückständiger Leasingraten …“ | Produktlinie Komfort Ziffer 5.2, page 39 |
| Financed extras (insurance premiums, warranty, servicing) not covered | not addressed | ||
| Deduction for unrepaired previous damage | not addressed | ||
| Reductions of the comprehensive settlement not made up | not addressed | ||
| Limited to customary lease or loan terms | not addressed | ||
| Reduction if the comprehensive policy does not pay full replacement value | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Waiver of the gross negligence defence | not addressed | ||
| Intent excluded | not addressed | ||
| Driving under the influence excluded | not addressed | ||
| Unlicensed or unauthorised driver excluded | not addressed | ||
| Racing and track driving excluded | not addressed | ||
| Taxi, hire car, driving school and rental use excluded | not addressed | ||
| Embezzlement and fraud excluded | not addressed | ||
| War, civil unrest and nuclear energy excluded | not addressed | ||
| Subsidiary to other insurance | yes | „Wir erbringen keine Leistungen, soweit Sie gegenüber Dritten Anspruch auf Ersatz Ihres …“ | Produktlinie Komfort Ziffer 5.4, page 39 |
Duties after a loss
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deadline for notifying a claim | not addressed | ||
| Documents to submit (lease or loan contract, settlement statement, casco settlement) | yes | „Zum Nachweis benötigen wir den Leasingvertrag und die Abrechnung des Leasinggebers.“ | Produktlinie Komfort Ziffer 5.2, page 39 |
| Police report required after theft | not addressed | ||
| Insurer's consent before disposal or sale of the wreck | not addressed | ||
| Payment period after assessment | not addressed |
Term and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Term linked to the lease or loan contract | not addressed | ||
| Maximum term of the GAP cover | not addressed | ||
| Ends on redemption, end of contract or transfer of ownership | not addressed | ||
| Premium refund on early termination (single premium) | not addressed | ||
| Premium payment (single, financed, ongoing with the casco premium) | not addressed | ||
| Ordinary cancellation of the module or contract | not addressed | ||
| Vehicle change or transfer to a successor vehicle | not addressed | ||
| GAP cover continues after a change of comprehensive insurer | not addressed | ||
| Territorial scope (Europe, green card countries) | not addressed |
Spain specifics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Indemnity at new value (valor a nuevo): years from first registration | not addressed | ||
| Enhanced market value after the new value period (valor venal mejorado) | not addressed | ||
| New value only for the first owner | not addressed | ||
| Clause in favour of the lender (loss payee, retention of title) | not addressed |
Evaluated by NAMMERT from published policy wordings.
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legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- ADAC Autoversicherung AG
- Distribution
- direct from the insurer only
- Versicherungsbedingungen für Ihre Kfz-Versicherung, Produktlinie Komfort Edition: AAV--0001/06, 09.2026; Produktlinie Komfort PKRB-4016Z0 (0/06) 07.2025 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 ADAC Autoversicherung Komfort and available as plain text.
Volltext ADAC Autoversicherung Komfort GAP-Versicherung · As text (Markdown) ADAC Autoversicherung Komfort GAP insurance