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Differences between partially and fully comprehensive insurance

You want to insure your car but you don’t know which type of insurance is right for you? In addition to mandatory car liability insurance, Helvetia also offers partially and fully comprehensive insurance.

What is the difference between partially comprehensive and fully comprehensive?

Both partially and fully comprehensive insurance cover damage to your own vehicle. The difference is that fully comprehensive insurance also covers damage caused by yourself.

Partially comprehensive insurance, on the other hand, covers the following losses and damage:

  • Fire and natural hazards such as storm, hail, flooding, avalanche, rockfall, snowslides and landslides, 
  • marten damage and collision with animals
  • Glass breakage
  • Theft of the vehicle, vehicle components and personal items
  • Wilful damage by third parties

All these benefits are also included in fully comprehensive insurance. So fully comprehensive insurance is a combination of partially comprehensive insurance and additional accidental collision damage insurance.

When is it worthwhile taking out fully comprehensive insurance and when is partially comprehensive insurance adequate?

Fully comprehensive insurance is often 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 fully comprehensive insurance policy. For a car that already has a few years under the bonnet, partially comprehensive cover is generally enough.

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Calculate the premium for your car insurance online or find out more about car insurance coverage.

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