Both partial casco and comprehensive insurance cover damage to your own car that is not covered by a third party's liability insurance. Partial casco insurance covers the cost of, for example, damage caused by martens, rockfall or hail. In short, any damage to your car that is not caused by you is included in partial casco insurance. The difference between partial casco and comprehensive insurance is that with comprehensive insurance cover, you are also insured for damage you cause yourself. For example, if you brake too late and collide with the car in front of you, the costs for repair or a replacement car are only covered by the insurance company if you have comprehensive insurance. Your liability insurance covers the cost of damage to the other vehicle.
These brief examples illustrate in which cases you are covered by partial casco or comprehensive insurance.
Comprehensive insurance is usually mandatory for leased vehicles. If you have a new car or you simply want to play safe, you’ll be covered in depth with a comprehensive insurance policy. For a car that is getting a bit old and is therefore not worth much any more, partial casco cover is generally enough. However, this decision depends on your individual needs.