| Quote: | |  | |
| Vollkasko = full insurance, covers you if you cause damage to your car in an accident
Teilkasko = 3rd party insurance, covers other vehicles in an accident, but not your vehicle
Obviously, full insurance cover is more expensive... | |
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Not quite.
Vollkasko = what you said
Teilkasko = covers damage to your own car caused by certain events only (typically theft, vandalism, collision with animals, glass damage not caused by collision), i.e. not damage caused by accident.
Basic 3rd party / Haftpflicht = covers damages you cause to others.
This is the only mandatory insurance.
So if you have a brand spanking new car, you go for expensive Vollkasko. If yours is a really old clanger, you get 3rd party only and put the money you save aside to buy a new car if you plant yours against a tree or something.
BTW if someone else causes damage to your car, it's their insurance that pays, or the
NBI if they are uninsured.