The Check24 comparison portal offers an overview of which life situation and which vehicle, which insurance should be taken out. Everyone needs motor vehicle liability insurance, but what else is there?
Every car in Germany requires motor vehicle liability insurance. It is required by law and pays for personal injury, property damage and financial loss suffered by a person injured in an accident. Owners who want additional insurance for their car can take out full or partial accidental damage insurance. Pure liability insurance costs on average 50% less than comprehensive accidental damage insurance and partial accidental damage insurance costs 25% less than comprehensive accidental damage insurance.
Partial accidental damage insurance also covers theft and accidents involving game animals
Partial accidental damage insurance offers more comprehensive protection than pure motor vehicle liability insurance and also covers damage to your own car due to theft, fire, storm, lightning, hail and flooding, as well as glass breakage.
Accidents to furred game and damage caused by marten bites are also insured. In the event of an accident involving wildlife, consumers should ensure that animals of all kinds are included and also insure consequential damages in the event of a marten bite. Both cost only a small extra fee.
Fully comprehensive motor vehicle insurance covers damage to your car caused by yourself
In addition to all the services of partial accidental damage insurance, comprehensive accidental damage insurance also pays for self-inflicted damage to your own car. It also pays off in case of vandalism. Comprehensive insurance is therefore advisable, especially for new cars.
“Even for older cars, comprehensive insurance can sometimes make sense,” says Michael Roloff, managing director of car insurance at Check24. “Whenever the owner cannot replace the car with his own resources after a total loss. In order to keep your insurance premium manageable, you should choose a higher deductible and workshop commitment. This way, you pay for minor damage yourself and have insurance for major damage.
Changing car insurance: families with a child who is entitled to drive save up to 843 euros
By switching car insurance, consumers can save several hundred euros. This is demonstrated by Check24’s example calculations for typical driver profiles. A family with a child who is licensed to drive has the greatest savings potential – up to €843.
