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Differences between partially comprehensive/fully comprehensive cover and total loss insurance
What is the difference between partial casco, comprehensive insurance and total loss insurance?
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.
Total loss insurance is a cost-effective alternative to fully comprehensive insurance and covers total loss in the event of a collision as well as all events covered by partially comprehensive insurance. It is ideal for vehicles that are no longer of high value and provides you with extensive protection in the event of serious damage resulting in the loss of the vehicle.
A comparison of the benefits of partial casco, comprehensive insurance and a total loss insurance:
Find out in which cases you are covered by partial casco, comprehensive insurance or total loss insurance.
When is it worthwhile taking out comprehensive insurance, total loss insurance and when is partial casco insurance adequate?
- 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.
- Alternatively, total loss insurance offers specific cover for lower-value vehicles where extensive protection against total loss or partially comprehensive insurance events is required.
However, this decision depends on your individual needs.
