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uniVersa FLEXXdrive: the policy wording in full
GAP-Deckung gegen Beitragszuschlag zur Vollkasko für geleaste oder kreditfinanzierte Pkw und Lieferwagen, begrenzt auf 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 uniVersa FLEXXdrive.
Basics and eligible contracts
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Form of cover (module of the comprehensive policy or stand-alone contract) | yes | „Wenn Sie für Ihren geleasten oder kreditfinanzierten Pkw/Lieferwagen (ausgenommen …“ | A.2.5.1.10, page 11 |
| GAP cover included in the comprehensive policy at no extra premium | no | „Wenn Sie für Ihren geleasten oder kreditfinanzierten Pkw/Lieferwagen (ausgenommen …“ | A.2.5.1.10, page 11 |
| Fully comprehensive cover is a precondition | yes | „Wenn Sie für Ihren geleasten oder kreditfinanzierten Pkw/Lieferwagen (ausgenommen …“ | A.2.5.1.10, page 11 |
| Partial cover is sufficient (theft, fire, natural hazards) | no | „Wenn Sie für Ihren geleasten oder kreditfinanzierten Pkw/Lieferwagen (ausgenommen …“ | A.2.5.1.10, page 11 |
| Comprehensive policy must be held with the same insurer or intermediary | yes | „Wenn Sie für Ihren geleasten oder kreditfinanzierten Pkw/Lieferwagen (ausgenommen …“ | A.2.5.1.10, page 11 |
| Leased vehicles covered | yes | „Wenn Sie für Ihren geleasten oder kreditfinanzierten Pkw/Lieferwagen (ausgenommen …“ | A.2.5.1.10, page 11 |
| Loan financed vehicles covered | yes | „Wenn Sie für Ihren geleasten oder kreditfinanzierten Pkw/Lieferwagen (ausgenommen …“ | A.2.5.1.10, page 11 |
| Financing with balloon payment covered | yes | „Der Kreditrestbetrag ist die Summe aus ausstehenden, abgezinsten Kreditraten …“ | A.2.5.1.12, page 11 |
| Cash purchase insurable (purchase price protection without financing) | not addressed | ||
| Eligible vehicle types (cars, motorcycles, motorhomes, vans) | yes | „Wenn Sie für Ihren geleasten oder kreditfinanzierten Pkw/Lieferwagen (ausgenommen …“ | A.2.5.1.10, page 11 |
| 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 | „Dann ersetzen wir im Falle eines Totalschadens, der Zerstörung oder des Verlusts des …“ | A.2.5.1.10, page 11 |
| Constructive total loss (repair costs above replacement value or a fixed percentage) | not addressed | ||
| Theft or loss of the whole vehicle | yes | „Dann ersetzen wir im Falle eines Totalschadens, der Zerstörung oder des Verlusts des …“ | A.2.5.1.10, page 11 |
| 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) | not addressed |
Benefit and calculation
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Basis for leasing: settlement value under the lease contract | yes | „Der Leasingrestbetrag ist die Summe der ausstehenden abgezinsten Leasingraten …“ | A.2.5.1.11, page 11 |
| Basis for loans: outstanding balance on the date of loss | yes | „Der Kreditrestbetrag ist die Summe aus ausstehenden, abgezinsten Kreditraten …“ | A.2.5.1.12, page 11 |
| Payment of the difference to replacement value or to the comprehensive settlement | yes, up to the sum insured | „Dann ersetzen wir im Falle eines Totalschadens, der Zerstörung oder des Verlusts des …“ | A.2.5.1.10, page 11 |
| 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 Ersatzleistung ist begrenzt auf den Neupreis des Fahrzeugs nach A.2.5.11.“ | A.2.5.1.13, page 11 |
| 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 | „Dann ersetzen wir im Falle eines Totalschadens, der Zerstörung oder des Verlusts des …“ | A.2.5.1.10, page 11 |
| 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 Leasingrestbetrag ist die Summe der ausstehenden abgezinsten Leasingraten …“ | A.2.5.1.11, page 11 |
| Extra benefit for replacement (registration, delivery, allowance) | no | „Von der Ersatzleistung in der GAP-Deckung ausgeschlossen sind: ... d) Finanzierungs …“ | A.2.5.1.15, page 11 |
| 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 | „Von der Ersatzleistung in der GAP-Deckung ausgeschlossen sind: a) vor Eintritt des …“ | A.2.5.1.15 a), page 11 |
| Excess mileage and wear charges not covered | yes | „Nachforderungen des Leasing- / Kreditgebers wegen Überschreitung der vereinbarten …“ | A.2.5.1.15 b), page 11 |
| Early termination and administration fees not covered | yes | „c) Gebühren des Leasing-/ Kreditgebers d) Finanzierungs- und Überführungskosten“ | A.2.5.1.15 c) und d), page 11 |
| Financed extras (insurance premiums, warranty, servicing) not covered | yes | „Der Kredit muss nachweislich ausschließlich zur Finanzierung des Fahrzeugs aufgenommen …“ | A.2.5.1.16, page 11 |
| 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 Leistung aus der GAP-Deckung gilt nur für Leasing- oder Kreditverträge auf der …“ | A.2.5.1.14, page 11 |
| 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 | yes | „Wenn Sie für Ihren geleasten oder kreditfinanzierten Pkw/Lieferwagen (ausgenommen …“ | A.2.5.1.10, page 11 |
| Embezzlement and fraud excluded | not addressed | ||
| War, civil unrest and nuclear energy excluded | not addressed | ||
| 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) | yes | „Im Leistungsfall müssen Sie uns den Leasingvertrag und die Leasingschlussabrechnung des …“ | A.2.5.1.16, page 11 |
| 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 | yes | „Der Beitragszuschlag für die GAP-Deckung gilt für die gesamte Leasinglaufzeit …“ | A.2.5.1.17, page 11 |
| Maximum term of the GAP cover | not addressed | ||
| Ends on redemption, end of contract or transfer of ownership | yes | „Der Beitragszuschlag für die GAP-Deckung gilt für die gesamte Leasinglaufzeit …“ | A.2.5.1.17, page 11 |
| Premium refund on early termination (single premium) | not addressed | ||
| Premium payment (single, financed, ongoing with the casco premium) | yes | „Der Beitragszuschlag für die GAP-Deckung gilt für die gesamte Leasinglaufzeit …“ | A.2.5.1.17, page 11 |
| 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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Policy wordings and provider
- Legal entity
- uniVersa Allgemeine Versicherung AG
- Distribution
- brokers and direct
- Versicherungsbedingungen für die Kfz-Versicherung FLEXXdrive Edition: Versicherungsbedingungen für die Kfz-Versicherung FLEXXdrive, laut Liste KBB-222, Stand 01.04.2026 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 uniVersa FLEXXdrive and available as plain text.
Volltext uniVersa FLEXXdrive GAP-Versicherung · As text (Markdown) uniVersa FLEXXdrive GAP insurance