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Fully comprehensive or partially comprehensive: which insurance is worthwhile when?

Fully comprehensive or partially comprehensive
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What is partial comprehensive insurance?

D he partial comprehensive insurance covers the repair costs in the event of theft, storm, fire and hail damage, glass breakage and accidents involving wild animals (deer, deer, wild boar, fox). The premium depends on where the driver lives (i.e. the regional class of the place of registration) and the vehicle type class. Partially comprehensive insurance is usually concluded with a deductible of 150 EUR per claim.

Advantages of partial comprehensive insurance:
The insurance is cheaper than fully comprehensive.
It covers the most common claims.

Disadvantages of partial coverage:
Self-inflicted accidents and vandalism are not covered.
Accidents with farm animals, large birds and wild dogs are mostly not covered.

What is the fully comprehensive insurance?

The fully comprehensive insurance covers all damage, including accidents caused by yourself or vandalism. Partial coverage is already included in this insurance. In the fully comprehensive insurance there is a discount for claims-free years as well as in the liability insurance. A deductible of EUR 300 or EUR 500 is usually agreed.

Advantages of fully comprehensive insurance:
All damage to the vehicle is covered.
The insurance includes all partially comprehensive insurance benefits.

Disadvantages of fully comprehensive insurance:
Insurance is relatively expensive and is therefore not worthwhile for all vehicles.

When is fully comprehensive insurance the better choice?

The higher the no-claims discount, the more likely it is to drive more cheaply with fully comprehensive insurance for a longer period of time, because partial insurance always incurs a 100% premium.

The respective type class is also an aspect, because there can be huge differences between partially and fully comprehensive insurance - for example with convertibles, which are often worse off with partially comprehensive insurance due to the high risk of parts theft and the often associated damage to the top.

This is for buyers of a new car most important argument for a fully comprehensive insurance, not to experience a financial disaster, we If the vehicle is destroyed in an accident.

If the surcharge to partial coverage is only 100 euros per year, fully comprehensive coverage is worthwhile.

Sample invoice with the following profile :
First registration on February 8, 2006 for a now 60-year-oldMan in Augsburg who drives 12,000 km /year and has a garage. Tariff without workshop commitment, excludes gross negligence and includes Mallorca-Police as well as extended partially comprehensive game protection.


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