← Property & liability insurance · Car insurance
Property & liability insurance · Car tariff Optimal
A marten in the engine bay, hail on the roof, or an at-fault accident in your new car. Generali's Optimal car insurance stands up for you in every one of these situations, with 100 million € of liability, marten protection including consequential damage, and new-price for up to 36 months. Planned personally with you.
01 · The risk
The statutory minimum liability cover is set low, a marten bite can knock out the whole engine, and after a total loss a new car quickly loses thousands of euros in value. Generali's Optimal tariff is built for exactly these cases.
Important: for ordinary gross negligence, such as a red light or phone at the wheel, Generali makes no reduction on comprehensive cover. And within a shared household there's no family recourse.
02 · The benefits
You put your cover together to match your car and the way you drive. Here are the modules of the Optimal tariff at a glance.
Mandatory cover
It protects you when you cause damage to others with your car. At Generali, well above the statutory minimum.
Partial cover
Damage that isn't your fault: natural forces, fire, theft, broken glass and the notorious marten.
Comprehensive cover
Everything in partial cover plus at-fault damage and wilful damage by others.
New-price
After a total loss or theft you get not just the residual value, but the full new or purchase price for up to 3 years.
E-mobility
Electric cars are fully covered, with dedicated protection for the battery and your home charging station.
Extras
The modules that make the difference after a claim and don't leave you stranded on the road.
03 · Claim examples
Illustrative cases around the car. They show what you'd have to cover yourself without protection, and what Generali takes on for you.
04 · The strengths
Many tariffs settle only the bare damage. Beyond that, the Optimal tariff protects the no-claims class you've earned over the years, covers the expensive marten-related consequential damage without a cap, and is ready for today's e-mobility, from the battery to the wallbox.
For young people there's also Young & Drive: driving other people's Generali-insured cars from age 18 to 29 without making the owner's contract more expensive. That way you build up your own claim-free years early. Your car with Generali also earns a bonus in the Vermögenssicherungspolice (all-in-one property & liability policy), which bundles several lines of cover into one contract and so earns up to 25 % customer bonus.
05 · Who it's for
When your kids get their license, it quickly gets expensive. With Young & Drive, young drivers drive other Generali-insured cars without making the family contract more expensive, and build up their own claim-free years.
If you're on the road a lot every day, you raise the risk of breakdowns, stone chips and accidents. The assistance package, discount protection and new-price compensation make sure a claim doesn't turn into a costly, lasting burden.
The battery is the most valuable part of an EV. With all-risk protection, new-price for the battery over 36 months and an included wallbox, you're ready for today's electric mobility.
06 · Common questions
Yes. Generali's partial cover includes marten and animal bite along with the often costly consequential damage, with no cap on the amount. If a marten bites through a cable and the engine is damaged as a result, that consequential damage is covered too.
With no-claims discount protection, your no-claims class stays the same after a claim. You don't lose the discounted premiums you've earned over the years, even though the claim was settled. The protection applies up to 100.000 € per year.
For ordinary gross negligence, such as running a red light or using your phone at the wheel, Generali makes no reduction on comprehensive cover. A reduction applies only for theft made possible by gross negligence and for alcohol or drugs. In addition, there is no family recourse within a shared household.
EVs are fully covered, including all-risk protection for the battery and new-price compensation for the battery over 36 months. Your home wallbox is included too, plus quarantine costs up to 1.000 € if the battery has to be stored separately after a claim.
The premium depends on the vehicle, how you use it, where you live and your no-claims class, so there's no flat figure. In a free initial consultation we work out your right tariff in concrete terms, with no obligation on your part.
Your next step
We look at your current cover and your car together and put together the tariff that fits you. Free of charge, without obligation, in person in Lüdenscheid or via video.
Example benefits and claims scenarios (as of 2026), simplified and rounded. Solely the insurance terms and tariffs of Generali Deutschland Versicherung AG are authoritative. Your specific coverage is defined by your insurance policy. Eduard Strekert is a financial advisor for Deutsche Vermögensberatung AG (DVAG), tied agent, and acts as an insurance intermediary under Sec. 34d GewO (German Trade Regulation). This page is non-binding information and does not replace individual advice.
Free of charge and without obligation. I will get back to you personally to confirm.
