Car insurance in Germany is divided into three levels: liability insurance (mandatory), Teilkasko (partial comprehensive), and Vollkasko (full comprehensive). Understanding these options, particularly Teilkasko vs Vollkasko, is crucial for selecting the right coverage.
What Is Teilkasko?
Teilkasko, or partial comprehensive insurance, covers specific risks beyond liability insurance. It typically includes:
- Theft: Protection against car theft.
- Glass damage: Cracks or breaks in the windshield, windows, or lights.
- Fire and natural disasters: Coverage for damage from storms, floods, or hail.
- Animal collisions: Damage caused by hitting wild animals.
When Is Teilkasko a Good Fit?
Teilkasko is cost-effective for older vehicles where full coverage may not be justified.
What Is Vollkasko?
The meaning of Vollkasko is full comprehensive insurance. It builds upon Teilkasko by adding protection for:
- Self-caused damage: If you accidentally damage your car.
- Third-party actions and vandalism: Damage caused by unknown individuals or vandalism beyond Teilkasko’s scope.
How Is Vollkasko Different From Teilkasko?
Unlike Teilkasko, Vollkasko covers accidents caused by the policyholder, offering peace of mind for newer or high-value cars.
Pros and Cons of Teilkasko
Advantages:
- Affordable premiums.
- Comprehensive coverage for common risks.
- Best for vehicles with depreciated value.
Disadvantages:
- No protection for self-caused accidents.
- Limited scope compared to Vollkasko.
Pros and Cons of Vollkasko
Advantages:
- Extensive protection, including self-caused damage.
- Essential for leased or financed vehicles.
- Suits high-value cars.
Disadvantages:
- Higher premiums.
- May not be cost-effective for older cars.
Financial Considerations
Premiums for both Teilkasko and Vollkasko depend on factors like:
- Vehicle value and age.
- Driving history.
- Deductibles chosen.
Legal Requirements in Germany
- Liability insurance is mandatory.
- Teilkasko and Vollkasko are optional but provide added security.
How To Decide: Teilkasko vs Vollkasko
Ask Yourself:
- What is my car’s value?
- How frequently do I drive?
- Am I willing to pay higher premiums for more protection?
- Do I want to and can I pay for damage to my car myself?
FAQs
1. What does Vollkasko mean in English?
Vollkasko translates to “full comprehensive insurance,” covering a broad range of risks, including self-inflicted damage.
2. Is Vollkasko mandatory?
No, but it is highly recommended for new or financed vehicles. Most financing banks require fully comprehensive cover for financed vehicles.
3. Can you switch from Vollkasko to Teilkasko?
Yes, especially if your vehicle’s value has depreciated over time.
4. Is Teilkasko enough for most drivers?
It depends on your car’s age, usage, and personal preferences.
5. What does Teilkasko exclude?
Teilkasko doesn’t cover self-caused damage or vandalism.
6. Which is cheaper: Teilkasko or Vollkasko?
Teilkasko is generally cheaper, making it ideal for older cars.
Conclusion
Choosing between Teilkasko and Vollkasko involves evaluating your vehicle’s age, value, and your risk tolerance. While Vollkasko offers comprehensive peace of mind, Teilkasko provides an affordable balance of protection for specific risks.
Your Culpeck expert can advise you on the best protection for your car. Fill out our quote form and receive a personalized quote.
