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Fully comprehensive insurance

All-round protection for your new car

Kathrin Gotthold
Expert for insurance as of October 01, 2020

Kathrin Gotthold

Kathrin Gotthold is a law graduate. She completed her traineeship as a business editor in Frankfurt am Main and was then responsible for consumer finance for a large daily and weekly newspaper in Berlin for six years. She also gained experience in the magazines “Betriebs-Berater” and “Der Steuerberater”. In the Finanztip editorial office, she mainly deals with insurance issues.

  • A fully comprehensive insurance is worthwhile for you if you drive a new or valuable car.
  • It pays for damage to your car caused by accidents and vandalism you caused yourself. It also covers all damage that is also included in the partial comprehensive insurance.
  • Switching to partial coverage is often worthwhile if your car is more than five years old. Unless you have a high no-claims discount in fully comprehensive insurance. Then it can pay off to stay with fully comprehensive insurance.
  • With a deductible you can reduce the price of your fully comprehensive insurance.
  • Financial tip recommendation when looking for a good car insurance: You can save the most by combining a comparison portal and direct insurer. First calculate the cheapest car insurance on Verivox or Check24. And then let Huk24 make you an offer.

Comprehensive insurance promises you all-round protection for your car. The fully comprehensive insurance also insures damage to your own car that you cause yourself in an accident. Protection is quite expensive and not suitable for all cars.

If you have a new car, however, fully comprehensive insurance is appropriate. Finanztip recommends: If your car is less than five years old or very valuable, comprehensive insurance is worthwhile. Partial comprehensive insurance is sufficient for older vehicles. If the vehicle is not worth much, motor vehicle liability insurance is sufficient.

When does the fully comprehensive insurance pay?

If you cause an accident, your motor vehicle liability insurance pays for the damage suffered by the other party involved in the accident. If you have fully comprehensive insurance, it pays for the Damage to your own car. In the event of a rear-end collision, for example, you won't have to pay for the repair costs for the dented bumper of your car.

In addition, the fully comprehensive insurance covers damage to your car caused by vandalism - if, for example, your bonnet has been scratched with a key. She also contributes Hit and runFor example, when someone drives into your car in the supermarket parking lot and then leaves without waiting for you to return.

The Fully comprehensive is also responsible for all damage that is also covered by the partially comprehensive insurance:

  • Theft,
  • Robbery and embezzlement
  • Fire and explosion,
  • Storm damage such as storms, lightning strikes, hail and floods,
  • Damage caused by collisions with haired game such as deer or wild boar,
  • Marten bites on cables, hoses and wires,
  • Cable damage due to short circuit,
  • Glass breakage, for example due to falling rocks.

When fully comprehensive does not pay

As in any insurance, there are also some exclusions in fully comprehensive insurance that you should be aware of. Fully comprehensive insurance does not usually pay in the following cases:

  • Embezzlement: You give your car to someone else for a test drive, for example, and you don't get it back from them;
  • Behavior-related storm damage: You skid on a hailed road and cause damage to your car;
  • Pure tire damage: You drive over screws on the motorway and only destroy the tires without causing any other damage.

More about car insurance in our guide

  • Every fall, compare whether your car insurance is still the cheapest.
  • Recommended way to the cheapest tariff: First compare at Verivox or Check24, then get an offer at Huk24.

To the advisor

How much does the fully comprehensive insurance pay?

If your new car is stolen in the first few months or has a total loss, the insurer will reimburse you for the new value. Good tariffs pay you up to 24 months after initial registration. After that only the value replaced. Therefore, when comparing tariffs, you should make sure that the insurer pays the value of your car as new for as long as possible.

You can find out how to find a suitable tariff in our car insurance guide.

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What else should the fully comprehensive insurance cover?

In addition to the scope of services mentioned above, you should also attach importance to other points with fully comprehensive insurance. The following are important:

No defense of gross negligence - If you have agreed on this clause, the insurance will pay in full even if you caused damage to your car through gross negligence. She waives her right to “plea of ​​gross negligence”. Examples: You run over a red traffic light, drive too fast or write messages on your cell phone and cause an accident in the process. The insurance does not cover cases in which you have an accident under the influence of alcohol or drugs or if you allow your car to be stolen through gross negligence. Most plans include this clause.

Marten bites with consequential damage - Martens like to hide in warm engine compartments, especially during the mating season in spring. There they nibble on hoses and cables. This can lead to expensive damage. You should take out a tariff that not only reimburses the cable but also the consequential damage such as engine damage. You often get this additional protection for free. If there is an extra charge, it is usually low. This was shown by a study by Finanztip.

Extended game damage coverage - Without this extension, the comprehensive insurance only pays in the event of accidents involving furred game such as deer or wild boar. With it you are also insured if you bump into other animals - for example with cows or horses on the country road. The extension is particularly worthwhile if you are often on the road. It is now standard.

A tariff with a workshop commitment is not always worthwhile

Many motor insurers offer special tariffs that are linked to a workshop in order to save administrative costs. For this you will be rewarded with an average price reduction of 10 percent. With some tariffs you even get around 15 percent. This was shown by a Finanztip study in August 2020.

Often there are also other services on offer, such as a pick-up and delivery service or a replacement vehicle for the duration of the repair. If you have a new car, it can make sense to forego the workshop commitment. Then you do not endanger the manufacturer's guarantee.

What should you watch out for with leased or financed cars?

If you have leased your car or financed it with a loan, you should have one in addition to fully comprehensive insurance CAP coverage (or difference coverage). In the event of a total loss, this saves you from having to bear part of the costs yourself. The difference between what the insurance company reimburses you and what you still have to pay the leasing company or lender.

If your car is damaged so badly in an accident that it is no longer economically viable to repair it, it is from the perspective of your insurer Total loss. The repair costs would be higher than the residual value of the car. The fully comprehensive insurance therefore reimburses you the amount you need to buy a car of the same value (replacement value). She also reduces this amount by the residual value that your car still has.

Without CAP coverage then you would probably have the following problem: You still have to pay the residual value of the lease or additional loan installments, but the insurance company only gave you the replacement value. And that can be less than what you still have to pay the leasing company or lender. Without gap coverage, you would then be paying for a car that you can no longer drive. But do you have one CAP coverage agreed, your insurer pays you the difference between residual value and replacement value.

The more expensive your car is, the more important GAP coverage is: Upper-middle-class and upper-class vehicles in particular lose value quickly: The replacement value may then fall much faster than the agreed residual lease value or the remaining loan installments.

How can you save with fully comprehensive insurance?

There are various ways to save with fully comprehensive insurance. Some you can influence directly, others only to a limited extent.

A deductible pushes the price down

With a deductible of 300 to 500 euros, you can significantly reduce the price of your fully comprehensive insurance. The insurers give you a discount to save the administrative costs for minor sheet metal damage. Simply try out several variants of the deductible when comparing tariffs. The best way to compare is to read in the car insurance guide.

Without any damage, fully comprehensive insurance becomes cheaper every year

In the fully comprehensive insurance, as in the motor vehicle liability insurance, there are no-claims classes. With everybody accident-free year do you pay less contribution. Incidentally, this is what distinguishes fully comprehensive insurance from partial comprehensive insurance. Since the partial coverage only insures damage that you do not cause yourself, such as theft or storms, you cannot reduce the price there by being free from damage. With fully comprehensive insurance, in the best case scenario, you pay less every year.

If you have been traveling damage-free with fully comprehensive insurance for a long time, it may be that it is hardly more expensive than partially comprehensive insurance - or even cheaper, thanks to a high damage-free category. Even if your car is a bit older, you should therefore work out exactly whether there is a Change to partial coverage worth it.

Yours No claims class the fully comprehensive is different from the liability insurance they are not paired. If you have been under liability insurance for ten years, but have only had fully comprehensive insurance for five years, you are in a lower class with fully comprehensive insurance. If you report damage to fully comprehensive insurance, for example due to vandalism, you will be downgraded to fully comprehensive insurance, but not to liability.

Depending on where you live and the car model, fully comprehensive insurance costs more

In comprehensive insurance, too, cars are classified according to region and type class. However, these can be different regions and type classes than for motor vehicle liability insurance. In addition, the type classes in fully comprehensive insurance can differ from those in partially comprehensive insurance. If you drive a car that is involved in accidents particularly often and live in a place with a high accident rate, you will therefore pay a lot for your fully comprehensive insurance.

In addition, insurers use characteristics such as the number of kilometers driven per year or whether you have a garage to determine the amount of your premium. If your car is sheltered in a garage, it is less likely that your car will be stolen or damaged by a storm. The risk of an accident is also lower if you only drive 5,000 instead of 15,000 kilometers per year.

Your way to the cheapest car insurance

You can only find the cheapest car insurance if you compare several providers. Our large survey of car insurance shows that it is best to combine at least two comparisons. Because not all insurers are represented on all comparison portals.

Save with a combination of comparison portal and direct insurer. First, simply calculate the cheapest suitable car insurance either on Verivox or Check24. Then get an offer from Huk24. And then conclude the contract with the cheapest provider. How to find the right car insurance on a comparison portal is explained in our guide to changing car insurance.

Silke Kursawe

Silke Kursawe

Silke Kursawe was an insurance expert at Finanztip until the end of 2018. She is an insurance business economist and has a master's degree in insurance law. Silke has more than 25 years of experience in the industry and in the field of property and liability insurance. She also successfully completed a degree in business education in Göttingen.

Annika Krempel

Annika Krempel

Annika Krempel was an editor in the Insurance and Pension Fund team until January 2018 and is now a freelancer for Finanztip, among others. Before that, she had already gained experience as a consumer journalist at ZDF-Wiso, RBB and Stiftung Warentest.

Nicolas Heronymus

Nicolas Heronymus

Nicolas Heronymus is currently doing all of the editorial work as a trainee. Even before Finanztip he gained his first experience in the world of finance and insurance: during a gap year at Allianz and as a student trainee at Generali. He studied political science in Lüneburg, Berlin and Rome.

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