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Partial or full coverage: which insurance is necessary?

The question of whom partial coverage is worthwhile and for whom it makes sense to take out comprehensive insurance cannot be answered in general. Basically, the scope of insurance should be in a reasonable and decent relation to the value and age of the vehicle.
It is therefore only conditionally to follow the advice of the experts. It is often advised to change fully comprehensive insurance to partial comprehensive insurance from a vehicle age of around 4 years. Rather, it is true that, in contrast to a fully comprehensive insurance, the costs of a partial comprehensive insurance decrease over time. 



Partial and full coverage: What is insured??

Damage to your own vehicle will be covered by the comprehensive insurance as well as the comprehensive insurance. Comprehensive insurance covers damage caused by events such as open fire, a collision with game, theft, broken glass and short circuit. Certain natural hazards caused by storms (from wind force 8), lightning, hail or flooding are also covered. Depending on the scope of insurance, some insurance companies also cover marten bites (possibly with consequential damage to the vehicle).
In order to protect the vehicle against self-inflicted damage caused by an accident, vandalism or flight, an accident insurance is necessary. The amount of the premium is calculated based on certain characteristics such as the place of residence, the damage-free class and the vehicle type.

Permanent comprehensive insurance can sometimes be worthwhile?

However, there are a few exceptions where it is worth keeping the comprehensive insurance. If the policyholder has been free of damage for several years, the premium is calculated in the fully comprehensive insurance according to the damage-free class, while in the partial comprehensive insurance, fixed premiums are still due. The fully comprehensive premium decreases accordingly with each accident-free year, so that the premium rate for fully comprehensive insurance is often only slightly higher than the premium for fully comprehensive insurance. The policyholder therefore benefits from an increase in benefits for an insignificantly higher contribution rate. It may even be that, under certain circumstances, the fully comprehensive premiums are even lower than the partial comprehensive premiums.
Fully comprehensive insurance should also be maintained if the vehicle still has a fairly high fair value after four years. However, if there is already something going on and the full insurance premiums essentially exceed those of the partial insurance, a change should be considered.

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