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.
During the night, a marten got to work and nibbled through a cable.
You are driving along a country road at night and a deer jumps into the road out of nowhere.
During a storm, a branch falls onto your car and leaves a dent. Or you are driving and cannot avoid the sudden onset of hail.
A few stones are thrown up by the HGV in front of you. One bounces right off your windscreen and leaves a crack.
Snow from the roof of a building falls onto your car and pushes in the vehicle roof. Your car is caught in an avalanche or landslide, or your garage is flooded and this damages your car.
Your car or its components are stolen or someone deliberately breaks off your car's mirror.
When parking in the garage, you scratch the car next door. Damage to other vehicles is covered by your liability insurance, but what about your own car?
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.