When is fully comprehensive insurance worthwhile?

The question of whether you have one Comprehensive insurance Many drivers are concerned about whether they should lock their car. This form of car insurance offers comprehensive protection, but also comes with higher costs. In this blog post we would like to go into more detail about when fully comprehensive insurance is worthwhile.

What damage does fully comprehensive insurance cover?

As practical all-round protection for your vehicle, fully comprehensive insurance initially applies in the same cases as partially comprehensive insurance. Furthermore, damage to your own vehicle is also insured in the event of an accident, which also applies to collisions that you are responsible for. Possible damage caused by vandalism is also included in the scope of insurance. Many fully comprehensive insurance policies also pay out if the other party in the accident commits a hit-and-run and you would otherwise be stuck with your damages.

Which special clauses should you pay attention to when taking out fully comprehensive insurance?

When taking out comprehensive insurance, it is crucial to pay attention not only to the basic services, but also to certain special clauses that may be included in the contract. These clauses can have a significant impact on the insurance benefits in the event of damage. Here are some important special clauses to pay special attention to:

  • Collisions with animals: While partially comprehensive insurance usually only covers accidents involving certain animals, this protection is higher for fully comprehensive insurance. However, damage caused by unpleasant encounters with cows, horses, dogs or cats is not always covered. Extending fully comprehensive protection to all animal species can definitely make sense.
  • Waiver of the objection of gross negligence: Some insurers offer a clause that excludes the objection of gross negligence. This means that the insurance also covers damage caused by grossly negligent behavior on the part of the policyholder. Without this clause, the insurance company could reduce or even refuse its benefits in the event of gross negligence.
  • Marten bites and their consequential damage: If a marten causes mischief and damages your vehicle, partial comprehensive insurance is usually sufficient - as is the case with consequential damage such as defective wheel suspension or engine damage. Marten bites are often only insured up to a certain amount, so an extension can be recommended.

In these cases, fully comprehensive insurance is recommended

It is particularly worth taking out fully comprehensive insurance for new cars or very expensive vehicles. The same applies if you have taken out a loan to finance your car or are leasing your vehicle. Financial service providers and leasing partners often even require fully comprehensive insurance. This is to ensure that in the event of damage or a total loss, the costs incurred are covered. For frequent drivers and people who use their car intensively, this can Comprehensive insurance also be beneficial. Thanks to comprehensive coverage for accidents caused by yourself or damage caused by natural hazards, it offers an additional safety buffer, which can be a sensible investment, especially if you use the vehicle frequently.

Are you planning to buy a new car and are looking for financing? Or should the baby simply be insured as best as possible? Then ours is Credit, financing, leasing, insurance & Co. categories the right place to get information. HERE you can find all topics.

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