What is comprehensive insurance?
With comprehensive insurance, you can insure yourself against the financial consequences of damage to your own vehicle. It is not compulsory, but around 85 per cent of all car drivers have comprehensive insurance.
These are the benefits of fully and partially comprehensive insurance
The partially comprehensive insurance covers the cost of damage to your own vehicle. It is precisely defined which damage is insured. These are, for example, damage caused by
- Collisions with feral game
- Broken glass
- Vehicle theft / attempted break-in
- Theft/damage to accessories
The fully comprehensive insurance replaces – in addition to the services of the partially comprehensive insurance – further damage to your own car, for example, damage after an accident you caused yourself. It also covers the cost of damage caused by vandalism such as scratched paintwork or a dented door.
Deductible in the comprehensive insurance
Insurance customers can also agree to a deductible for comprehensive insurance. In the event of a claim, the customer then pays part of the costs himself, for example 150 euros or 300 euros – this also influences the amount of the premium.
The no-claims discount in fully comprehensive insurance
If the insurance customer has had no accidents or damage for many years, this can reduce the premiums. The insurers speak here of the no-claims bonus. This means that they grant the customer a financial discount, depending on the number of claims-free years.
An example: If a novice driver concludes a contract for the first time, he usually pays more contributions for motor vehicle liability and fully comprehensive insurance than for a contract that has been accident-free for many years. The influence of a certain no-claims class on the premium differs from insurer to insurer. Even special classifications from an insurer, for example through so-called “discount protection”, are only taken into account on a company-specific basis and cannot be transferred to another insurer. ( No claims discount briefly explained )
What does gross negligence mean for comprehensive insurance?
Comprehensive vehicle insurance usually only has to pay partial or no damage to the vehicle if the policyholder caused the damage through gross negligence. The insurer can reduce the benefit proportionately. The decisive factor is the severity of the negligence.
Examples of gross negligence are driving under the influence of alcohol and crossing a red light. Gross negligence also plays an important role in other insurance lines.
What are the consequences of drinking and driving for car insurance?
Anyone who has more than 0.3 per mille of alcohol in their blood is considered to be relatively incapable of driving. The only exception: for under 21-year-olds and for novice drivers during the probationary period, there is an absolute ban on alcohol, i.e. 0.0 per thousand. The relative inability to drive, however, only applies if there are additional indications such as driving errors typical of alcohol, language difficulties or an impaired gait.
Consequences for motor vehicle liability insurance:
The motor vehicle liability insurance of the drunk insurance customer always takes over the damage of the traffic victim. The trafficking victim does not go away empty-handed even if the driver drove under the influence of alcohol.
Anyone who causes an accident under the influence of alcohol can take recourse from their motor vehicle liability insurance, in principle up to a limit of 5,000 euros. The limits of recourse are regulated in the compulsory motor vehicle insurance ordinance.
Consequences for a partial or fully comprehensive insurance:
The partial comprehensive insurer can reduce the benefits even in the event of a relative incapacity to drive.
By the way: There are providers on the market who do without the objection of gross negligence. However, this does not apply to damage caused under the influence of alcohol or drugs or if the vehicle is stolen.