What exactly does the car insurance cover?

Protection for the car

Completed comprehensive insurance: What exactly does you cover?

Partial comprehensive or fully comprehensive insurance? Many drivers ask themselves this question before the insurance company. But what does the fully comprehensive cover cover? An overview.

Completion insurance arises for all damage, right? That is only partially true. There are exceptions and special regulations. What covers the fully comprehensive insurance and where the boundaries are reached.

While the partial casko-KFZ insurance does not offer any damage coverage in the event of a vandalism, the fully comprehensive is jumping in here. Accidental damage in which no author can be determined are also borne by the insurance company. Only embezzlement is not covered with fully comprehensive protection.

Knocking is available if you leave your vehicle to a third person and then stolen it. Such events are considered self -inflicted. This is similar to a vehicle that stands on the side of the road with the engine running and unexpectedly. If it is stolen, the owner negligently acted.

As the insurer Allianz summarizes, the partial coverage covers damage caused by external influences. The fully comprehensive, on the other hand, not only assumes all services of the partial comprehensive, but also the costs for vandalism and self -caused damage.

Basically, the fully comprehensive is therefore more expensive, but is still worthwhile in a high -quality car and in many cases in many cases.

As a driver, it is important to consider whether they are able to finance a self -indebted accident. If not, a fully comprehensive insurance is the better option.

If you complete a fully comprehensive insurance, you have to automatically complete a vehicle liability. The latter is required by law, it is not fully comprehensive insurance. Depending on the insurer, there are different variants and policies. In the ADAC, for example, fully comprehensive insurance is divided into the “Basic”, “Comfort” and “Premium” categories.

The following damage is covered with premium insurance:

Before the conclusion, it is important to pay attention to the details. Depending on the insurer, there can be significant deviations. In this way, insurers can cover clashes with any kind of hair game, while insurers B only financed damage by marten.

All damage caused by the vehicle owner is not taken over. This also applies if the holder has driven under the influence of alcohol or after drug use and thus caused an accident.