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R+V Pkw Classic: the policy wording in full
Differenzdeckung als eigene Versicherungsart neben der Vollkasko für Leasing- und kreditfinanzierte Pkw, mit Verzicht auf den Einwand der groben Fahrlässigkeit.
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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 R+V Pkw Classic.
Basics and eligible contracts
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Form of cover (module of the comprehensive policy or stand-alone contract) | yes | „für Leasing- und kreditfinanzierte Pkw“ | A.7, page 46 |
| GAP cover included in the comprehensive policy at no extra premium | not addressed | ||
| Fully comprehensive cover is a precondition | yes | „Kündigen Sie oder wir die Vollkasko oder wird diese in eine Teilkasko umgewandelt …“ | G.4.5, page 69 |
| Partial cover is sufficient (theft, fire, natural hazards) | no | „Kündigen Sie oder wir die Vollkasko oder wird diese in eine Teilkasko umgewandelt …“ | G.4.5, page 69 |
| Comprehensive policy must be held with the same insurer or intermediary | yes | „Kündigen Sie oder wir die Vollkasko oder wird diese in eine Teilkasko umgewandelt …“ | G.4.5, page 69 |
| Leased vehicles covered | yes | „bei Leasing-Pkw die Differenz zwischen dem sich aus dem Leasingvertrag errechnenden …“ | A.7.5 a, page 46 |
| Loan financed vehicles covered | yes | „bei kreditfinanzierten Pkw die Differenz zwischen dem sich aus dem Darlehensvertrag …“ | A.7.5 b, page 47 |
| Financing with balloon payment covered | yes | „Der Leasing-Restbetrag ist die Summe der ausstehenden abgezinsten Leasing-Raten …“ | A.7.5 a, page 46 |
| Cash purchase insurable (purchase price protection without financing) | not addressed | ||
| Eligible vehicle types (cars, motorcycles, motorhomes, vans) | yes | „Versichert ist Ihr Pkw einschließlich der mitversicherten Teile nach A.2.1.“ | A.7.1, page 46 |
| 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 | „Versicherungsschutz besteht bei Beschädigung, Zerstörung, Totalschaden oder Verlust des …“ | A.7.2, page 46 |
| Constructive total loss (repair costs above replacement value or a fixed percentage) | yes | „Weitere Voraussetzung ist, dass die erforderlichen Reparaturkosten den um den Restwert …“ | A.7.5, page 47 |
| Theft or loss of the whole vehicle | yes | „Versicherungsschutz besteht bei Beschädigung, Zerstörung, Totalschaden oder Verlust des …“ | A.7.2, page 46 |
| Waiting period after theft before payment | not addressed | ||
| Benefit only if the comprehensive insurer settles the claim | not addressed | ||
| Benefit also when a third party liability insurer pays the total loss | not addressed | ||
| Benefit for repairable damage (no total loss) | yes | „Weitere Voraussetzung ist, dass die erforderlichen Reparaturkosten den um den Restwert …“ | A.7.5, page 47 |
Benefit and calculation
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Basis for leasing: settlement value under the lease contract | yes | „Der Leasing-Restbetrag ist die Summe der ausstehenden abgezinsten Leasing-Raten …“ | A.7.5 a, page 46 |
| Basis for loans: outstanding balance on the date of loss | yes | „bei kreditfinanzierten Pkw die Differenz zwischen dem sich aus dem Darlehensvertrag …“ | A.7.5 b, page 47 |
| Payment of the difference to replacement value or to the comprehensive settlement | yes, up to the sum insured | „bei Leasing-Pkw die Differenz zwischen dem sich aus dem Leasingvertrag errechnenden …“ | A.7.5 a, page 46 |
| 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 | not addressed | ||
| Cap at a percentage of replacement value, purchase price or list price | not addressed | ||
| VAT is reimbursed | not addressed | ||
| Deductible of the comprehensive policy is reimbursed | no | „Die in der Vollkasko mit Ihnen vereinbarte Selbstbeteiligung wird nicht entschädigt.“ | A.7.7, page 47 |
| 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 Leasing-Restbetrag ist die Summe der ausstehenden abgezinsten Leasing-Raten …“ | A.7.5 a, page 46 |
| Extra benefit for replacement (registration, delivery, allowance) | no | „Neben den Regelungen nach A.2.6.8.a ersetzen wir keine Finanzierungs- und …“ | A.7.7, page 47 |
| 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 | „Nicht berücksichtigt werden vor Eintritt des Schadensfalls fällig gewesene, nicht …“ | A.7.5, page 47 |
| Excess mileage and wear charges not covered | yes | „Bei Leasingverträgen mit Kilometerabrechnung werden Mehrforderungen des Leasinggebers …“ | A.7.7, page 47 |
| Early termination and administration fees not covered | yes | „Neben den Regelungen nach A.2.6.8.a ersetzen wir keine Finanzierungs- und …“ | A.7.7, page 47 |
| Financed extras (insurance premiums, warranty, servicing) not covered | yes | „Dabei berücksichtigen wir nur den Darlehensteil, der nachweislich zur Finanzierung des …“ | A.7.5 b, page 47 |
| Deduction for unrepaired previous damage | not addressed | ||
| Reductions of the comprehensive settlement not made up | not addressed | ||
| Limited to customary lease or loan terms | yes | „Die Ersatzleistung ist beschränkt auf für Leasing- und Darlehensverträge marktübliche …“ | A.7.5, page 47 |
| 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 | „Wir verzichten Ihnen gegenüber auf unser Recht, die Leistung zu kürzen, wenn Sie den …“ | A.7.6, page 47 |
| Intent excluded | yes | „Kein Versicherungsschutz besteht für Schäden, die Sie vorsätzlich herbeiführen.“ | A.7.8.1, page 47 |
| Driving under the influence excluded | none | „Wir verzichten Ihnen gegenüber auf unser Recht, die Leistung zu kürzen, wenn Sie den …“ | A.7.6, page 47 |
| Unlicensed or unauthorised driver excluded | not addressed | ||
| Racing and track driving excluded | yes | „Zusätzlich besteht kein Versicherungsschutz für sämtliche Fahrten auf Rennstrecken …“ | A.7.8.2, page 47 |
| Taxi, hire car, driving school and rental use excluded | not addressed | ||
| Embezzlement and fraud excluded | not addressed | ||
| War, civil unrest and nuclear energy excluded | yes | „Kein Versicherungsschutz besteht für Schäden, die durch Kriegsereignisse, innere …“ | A.7.8.4, page 47 |
| Subsidiary to other insurance | not addressed |
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) | not addressed | ||
| 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 | yes | „Kündigen Sie oder wir die Vollkasko oder wird diese in eine Teilkasko umgewandelt …“ | G.4.5, page 69 |
| 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) | yes | „Sie haben Versicherungsschutz in den geographischen Grenzen Europas sowie den …“ | A.7.4, page 46 |
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.
Despite care, a value may be misread;
legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- R+V Allgemeine Versicherung Aktiengesellschaft
- Distribution
- through tied agents
- Verbraucherinformation für Pkw mit AKB, R+V Allgemeine Versicherung AG Edition: Verbraucherinformation für Pkw, Stand Juli 2026 (KRP0726) 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 R+V Pkw Classic and available as plain text.
Volltext R+V Pkw Classic GAP-Versicherung · As text (Markdown) R+V Pkw Classic GAP insurance