Versicherungsschutz: Kasko fürs Elektroauto - darauf kommt es an

German insurance association BdV recommends all electric vehicle owners to consider purchasing comprehensive comprehensive insurance coverage. Before making this decision, it is crucial to examine the insurance terms, particularly those related to the battery's protection. Failure to do so could result in significant expenses in case of battery damage, warns the BdV.

Specialists suggest opting for an All Risk policy to ensure the battery is covered for any type of damage, including destruction or loss, as long as it is not explicitly excluded in the policy terms. It is also important that the battery is insured at its replacement value, and disposal costs for the battery are reimbursed in the event of a total loss.

Damage caused by animal bites should be covered up to at least 20,000 Euros, and short-circuit damages should be replaced up to the same amount. It is also advisable to have protection against voltage surges or operational errors. Assistance for breakdowns when the battery runs out earlier than expected can be part of the Kasko policy.

However, roadside assistance costs are usually limited to a certain amount. It is worth noting that if you have a permanently installed wallbox at home, it can be partially insured in your Kasko policy, for instance, against theft, fires, or voltage surges.