... you collide with the car in front of you, damaging the other vehicle. (liability)
… your car suffers hail damage during a storm. (partial casco)
... your vehicle is stolen. (partial casco)
… you accidentally scrape against a wall or post. (comprehensive insurance)
... you have a breakdown. (Assistance)
… you deliberately damage your vehicle.
... you cause damage while participating in races, rallies or similar competitive events.
… you cause damage while driving without a driver’s licence or while driving an unregistered car.