Whether for private or professional use, the car is not only a practical means of transport, but in many cases also indispensable. Despite all the enthusiasm and necessity, one thing must not be forgotten: transport also involves risks, so the right insurance cover is essential. But which car insurance is worth it? What does it matter?
Big tailgating with car fleet insurance
It is always important to be well covered with appropriate car insurance. Whether it’s a trade, a freight forwarding company, a transport and logistics company or a driving school, it’s worth it for companies with several vehicles Fleet insurance in different variants and with different tariffs. This means that companies can secure their entire fleet with just one contract and reduce bureaucratic effort. In addition, companies benefit from significantly more services at more favorable conditions with vehicle fleet insurance compared to individual policies. Insured people receive discounts. If the fleet changes, it must be ensured that the policy is effective.
Motor vehicle liability insurance is required by law
Anyone who does not have a valid registration for a vehicle is not allowed to drive. Hence the Motor vehicle liability insurance a basic requirement. In the event of an accident, it avoids a gap in coverage in the financial claims of the injured party. The legally required motor vehicle liability insurance is responsible for property damage, personal injury and financial damage that the policyholder causes to third parties with the vehicle. Examples of property damage include repair costs for the vehicle involved and personal injuries, compensation for pain and suffering and treatment costs. The car insurance company will defend itself against unjustified claims at its own expense.
Other possible additional modules for vehicle insurance
- Partial comprehensive insurance
- Fully comprehensive insurance
- Extensions as optional additional modules for vehicle insurance
Motor vehicle liability insurance does not cover any costs for your own vehicle. With additional services, such as partial or fully comprehensive insurance, insurance coverage can be extended to include damage to your own vehicle. The [strong]Partial comprehensive insurance[/strong] replaces them in the event of various risks, such as:
- Fire, lightning and explosion
- Storm damage, such as storms, hail or floods
- Animal collisions, for example with wild animals
- Glasbruch
- Theft of the vehicle
- Damage caused by burglary
Die Fully comprehensive insurance includes the benefits of partial comprehensive insurance and also pays in the event of self-inflicted accidents and damage to the vehicle due to vandalism, for example if unknown persons scratch the paint. Optional additional modules enable comprehensive and targeted protection of vehicles, for example:
- Extended coverage for electric and hybrid vehicles
- Differential insurance (GAP cover)
- Driver legal protection insurance
- Passenger accident insurance
Who is which insurance suitable for?
The scope of insurance can always be individually adapted to your own needs. The amount of the contributions depends on the number and type of vehicles, the desired scope of insurance, the type of use, coverage amount, annual mileage, damage-free years of the fleet and the fleet’s nightly location. The amount of the deductible also influences the premium. It is not possible to say in general terms which vehicle comprehensive insurance variant and which additional components make the most sense. The age, model and replacement value of the vehicle play a role. Especially for new and valuable vehicles as well as financing via a loan, it is worth adding tailor-made tariffs. One is important high coverage amount. The insurance company should also pay in full in the event of gross negligence.
Conclusion on car insurance
Anyone who has a fleet of three or more vehicles will find the right coverage with fleet insurance with just one contract and tailored tariffs, simplified administration and cost efficiency. Additional modules ensure that the company and the vehicles are protected in the best possible way.
