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CosmosDirekt Comfort-Schutz: the policy wording in full
Mit Comfort-Schutz in der Vollkasko ersetzt die Differenzdeckung bei Pkw den Leasing-Restbetrag bis 15 % des Fahrzeugneuwerts oder bei Kredit höchstens sechs Monatsraten.
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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 CosmosDirekt Comfort-Schutz.
Basics and eligible contracts
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Form of cover (module of the comprehensive policy or stand-alone contract) | yes | „Sofern der Comfort-Schutz in der Vollkasko vereinbart ist, gilt: Bei Pkw ersetzen wir …“ | A.2.6.11, page 10 |
| GAP cover included in the comprehensive policy at no extra premium | yes | „Sofern der Comfort-Schutz in der Vollkasko vereinbart ist, gilt: Bei Pkw ersetzen wir …“ | A.2.6.11, page 10 |
| Fully comprehensive cover is a precondition | yes | „Sofern der Comfort-Schutz in der Vollkasko vereinbart ist, gilt: Bei Pkw ersetzen wir …“ | A.2.6.11, page 10 |
| Partial cover is sufficient (theft, fire, natural hazards) | no | „Sofern der Comfort-Schutz in der Vollkasko vereinbart ist, gilt: Bei Pkw ersetzen wir …“ | A.2.6.11, page 10 |
| Comprehensive policy must be held with the same insurer or intermediary | yes | „Sofern der Comfort-Schutz in der Vollkasko vereinbart ist, gilt: Bei Pkw ersetzen wir …“ | A.2.6.11, page 10 |
| Leased vehicles covered | yes | „Sofern der Comfort-Schutz in der Vollkasko vereinbart ist, gilt: Bei Pkw ersetzen wir …“ | A.2.6.11, page 10 |
| Loan financed vehicles covered | yes | „bei kreditfinanzierten Fahrzeugen den sich aus dem Darlehensvertrag ergebenden …“ | A.2.6.11, page 10 |
| Financing with balloon payment covered | not addressed | ||
| Cash purchase insurable (purchase price protection without financing) | not addressed | ||
| Eligible vehicle types (cars, motorcycles, motorhomes, vans) | yes | „Sofern der Comfort-Schutz in der Vollkasko vereinbart ist, gilt: Bei Pkw ersetzen wir …“ | A.2.6.11, page 10 |
| 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 | „Was zahlen wir bei Totalschaden, Zerstörung oder Verlust?“ | A.2.6, page 9 |
| Constructive total loss (repair costs above replacement value or a fixed percentage) | yes | „Ein Totalschaden liegt vor, wenn die erforderlichen Kosten der Reparatur des Fahrzeugs …“ | A.2.6.7, page 10 |
| Theft or loss of the whole vehicle | yes | „Was zahlen wir bei Totalschaden, Zerstörung oder Verlust?“ | A.2.6, page 9 |
| Waiting period after theft before payment | yes | „frühestens nach Ablauf eines Monats nach Eingang der in Textform abgegebenen …“ | A.2.15, page 12 |
| Benefit only if the comprehensive insurer settles the claim | yes | „Als Höchstentschädigung leisten wir neben der Entschädigung aus A.2.6.1. maximal 6 …“ | A.2.6.11, page 10 |
| Benefit also when a third party liability insurer pays the total loss | yes | „Wird der Schaden durch einen Haftpflichtversicherer reguliert, so ist uns zur …“ | A.2.6.11, page 10 |
| Benefit for repairable damage (no total loss) | no | „Was zahlen wir bei Totalschaden, Zerstörung oder Verlust?“ | A.2.6, page 9 |
Benefit and calculation
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Basis for leasing: settlement value under the lease contract | yes | „Der Leasing-Restbetrag ergibt sich aus der abgezinsten Summe der ausstehenden …“ | A.2.6.11, page 10 |
| Basis for loans: outstanding balance on the date of loss | yes | „Der Betrag vermindert sich um den Zinsvorteil, den die Bank durch die vorzeitige …“ | A.2.6.11, page 10 |
| Payment of the difference to replacement value or to the comprehensive settlement | yes, up to the sum insured | „Sofern der Comfort-Schutz in der Vollkasko vereinbart ist, gilt: Bei Pkw ersetzen wir …“ | A.2.6.11, page 10 |
| Payment of the difference to purchase or list price (return to invoice, new for old) | not addressed | ||
| Duration of purchase price or new value indemnity | not addressed | ||
| Maximum benefit of the GAP cover | yes, up to the sum insured | „Die Versicherungsleistung ist begrenzt auf 15% des Fahrzeugneuwertes nach dem …“ | A.2.6.11, page 10 |
| Cap at a percentage of replacement value, purchase price or list price | yes | „Die Versicherungsleistung ist begrenzt auf 15% des Fahrzeugneuwertes nach dem …“ | A.2.6.11, page 10 |
| VAT is reimbursed | not addressed | ||
| Deductible of the comprehensive policy is reimbursed | not addressed | ||
| Separate deductible within the GAP cover | not addressed | ||
| Salvage value is deducted | not addressed | ||
| Initial lease payment or deposit is taken into account | yes, up to the sum insured | „der noch nicht verbrauchten Mietvorauszahlungen nach linearer Verteilung über die …“ | A.2.6.11, page 10 |
| 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 | „Nachforderungen des Leasinggebers/Kreditgebers gegenüber dem Leasingnehmer/Kreditnehmer …“ | A.2.6.11, page 10 |
| Excess mileage and wear charges not covered | yes | „Nachforderungen des Leasinggebers/Kreditgebers gegenüber dem Leasingnehmer/Kreditnehmer …“ | A.2.6.11, page 10 |
| Early termination and administration fees not covered | not addressed | ||
| 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 | yes | „grundsätzlich verzichten wir auf den Einwand der grob fahrlässigen Herbeiführung des …“ | A.2.17.1, page 12 |
| Intent excluded | not addressed | ||
| Driving under the influence excluded | not addressed | ||
| Unlicensed or unauthorised driver excluded | not addressed | ||
| Racing and track driving excluded | yes | „Kein Versicherungsschutz besteht für Schäden aus dem Gebrauch des Fahrzeugs bei einer …“ | A.2.17.2, page 12 |
| Taxi, hire car, driving school and rental use excluded | not addressed | ||
| Embezzlement and fraud excluded | yes | „Unterschlagung ist nur versichert, wenn dem Täter das Fahrzeug nicht zum Gebrauch in …“ | A.2.2, page 8 |
| War, civil unrest and nuclear energy excluded | yes | „Erdbeben, Kriegsereignisse, innere Unruhen, Maßnahmen der Staatsgewalt“ | A.2.17.4, page 12 |
| Subsidiary to other insurance | not addressed |
Duties after a loss
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deadline for notifying a claim | yes | „Sie sind verpflichtet, uns jedes Schadenereignis, das zu einer Leistung durch uns …“ | E.1.1, page 30 |
| Documents to submit (lease or loan contract, settlement statement, casco settlement) | yes | „Grundlage für die Erstattung ist die Abrechnung des Leasinggebers, die Sie uns im …“ | A.2.6.11, page 10 |
| Police report required after theft | yes | „sind Sie verpflichtet, das Schadenereignis der Polizei unverzüglich“ | E.3.3, page 30 |
| Insurer's consent before disposal or sale of the wreck | yes | „Vor Beginn der Verwertung oder der Reparatur des Fahrzeugs haben Sie unsere Weisungen …“ | E.3.2, page 30 |
| Payment period after assessment | yes | „festgestellt haben, zahlen wir diese spätestens innerhalb von zwei Wochen“ | A.2.15.1, page 12 |
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 | yes | „Sie können den Versicherungsvertrag zum Ablauf des Versicherungsjahres kündigen. Die …“ | G.2.1, page 33 |
| 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) | yes | „Sie haben in der Kaskoversicherung Versicherungsschutz in den geographischen Grenzen …“ | A.2.5, page 9 |
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
- Cosmos Versicherung Aktiengesellschaft
- Distribution
- direct from the insurer only
- Allgemeine Bedingungen für die Kfz-Versicherung (AKB) Edition: 09/2026 (VWK 844) 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 CosmosDirekt Comfort-Schutz and available as plain text.
Volltext CosmosDirekt Comfort-Schutz GAP-Versicherung · As text (Markdown) CosmosDirekt Comfort-Schutz GAP insurance