In Germany, there are three relevant types of insurance for motorists: motor liability insurance, which is compulsory, partial cover and fully comprehensive insurance, which is voluntary. Liability insurance covers damage to other people and vehicles in the event of (unintentional) accidents. But what exactly are partial and fully comprehensive insurance good for, what are the differences between them and what affects the amount of insurance to be paid?
Damage to your own vehicle
Both comprehensive insurances cover, regardless of the differences, in principle damages to the own vehicle, which have not been caused by a direct, classical accident. The motor vehicle liability insurance cannot take effect here, because nature, animals and weather are now once not liable, and there are therefore the comprehensive insurances. Exceptions are man-made losses and damages where the responsible person cannot be found, for example in case of theft or hit-and-run accidents.