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Car insurance: Partially or fully comprehensive cover?

Your new car is standing in the garage. But before you press the accelerator you should give some thought to insurance cover. You can choose between partially and fully comprehensive cover. We'll explain the difference in a brief summary.

2 September 2019, author: Isabella Awad, photo: Helvetia

A man standing behind a car door.
Fully comprehensive and partially comprehensive – What are the differences and which losses are covered by which type of insurance?

Comprehensive insurance is not mandatory, but it is advisable All car owners know that road accidents, bad weather, vandalism or even theft are not only annoying but also cost money. Helvetia’s comprehensive insurance pays for damage to your own vehicle. But what are the differences between partially and fully comprehensive insurance, and when is which one appropriate?

Partially comprehensive insurance covers:

  • theft and vandalism, such as slashed tyres
  • fire and natural forces such as hail, storm, floods, rockfalls, etc.
  • snowslides and landslides
  • glass breakage, such as a windscreen damaged by a stone
  • marten damage and collision with animals

Fully comprehensive insurance covers:

In addition to the above risks, fully comprehensive insurance also covers collision damage to your own car, for which you are responsible.

Helvetia always recommends fully comprehensive insurance for new cars as a matter of principle. For leased cars it is often actually mandatory. When buying a used car, your individual requirements are key for your choice of comprehensive insurance. Various types of supplementary cover can be added to both partially and fully comprehensive insurance. For example, parked vehicle damage insurance. This covers the repair costs if unknown individuals damage your parked car. More information can be found under Car Insurance. Helvetia wishes you a safe journey!

Car insurance

Off to the mountains at the weekend, a short shopping trip or the daily commute? Whatever you’re planning, with Helvetia car insurance you are always fully covered.

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