Car insurance

Current value


Current value refers to the value of a motor vehicle at a particular point in time. It is relevant for replacement for an insured total loss and is calculated for the point in time immediately before the loss event. In determining current value, the age, mileage, marketability and condition of the vehicle are taken into account.

As vehicles quickly lose value particularly in the first few years, today most insurance products for newer vehicles automatically include a replacement value supplement (exception: click2drive with the product "Nullpromille"). The details of each insurance product are listed in the comparison within the product details section.