Comprehensive insurance is the all-inclusive, worry-free package – it protects you against almost anything that can go wrong on the road, even if you're at fault. Here you'll learn what damages comprehensive insurance covers, what makes it so expensive, and how you can still save money. But don't worry, we'll make the topic so entertaining that while reading, you might even feel like you've just watched an episode of your favorite superhero movie.
What is covered by comprehensive insurance?
1. Damage to your own vehicle:
Imagine you're driving along, completely relaxed, when suddenly you're hit by a young artists performing in the street. You're the only one who can't swerve, and just like that, you've got yourself a self-inflicted mishap comprehensive insurance saves the ! It covers the cost of repairing your vehicle, even if it's your fault. Your friends with partial coverage will be looking on enviously from the sidelines.
2. Collisions with animals:
If a deer, gone berserk, suddenly decides to do some cross-training in the middle of the city and damages your car, comprehensive insurance save you here too. Without this insurance, you'd be left with a wrecked car and a bittersweet feeling of being close to nature.
3. Storm damage:
Have you ever driven through the "storm of the century" in your car? Did a branch crash into your vehicle? Comprehensive insurance covers the repair costs, but partial coverage unfortunately does not. It doesn't seem to handle natural disasters so well.
4. Vandalism:
Whether it's an envious neighbor or a particularly creative graffiti artist – if someone paints your car or otherwise defaces it, comprehensive insurance on your side. Partial coverage would probably sit back and say, "Sorry, that's art, my friend."
5. Accident abroad:
If you're looking for an adventure abroad and have a minor crash while driving in the Alps, comprehensive insurance also help you across borders. Just make sure that your policy includes the relevant international coverage.
Is comprehensive car insurance expensive?
So, what does "expensive" mean? Comprehensive insurance costs more than partial coverage , that much is certain. After all, it covers more damage and protects you even if you make a mistake yourself. However, the price is also influenced by other factors, such as:
- Vehicle value : The more your car is worth, the more expensive the insurance will be. A new car, for example, is worth more than an older car – and therefore also has a higher price for comprehensive insurance.
- Driving behavior : If you are an accident-free driver who consistently respects the speed limit , you will get a better price than someone who always sees the road as a highway.
- Excess : If you accept a higher excess in the event of a claim, your monthly payment will decrease. Of course, you'll have to pay more in a serious situation, but you'll save money in everyday life.
Which providers offer affordable comprehensive car insurance?
The good news: You don't have to sacrifice your entire savings to get comprehensive car insurance. There are many providers who offer fair prices for good coverage
- HUK-COBURG
is known for its affordable prices and excellent customer service. They offer comprehensive insurance with fair terms and fast claims processing. Discounts are also available if you take out multiple policies with them. - Allianz
may have a reputation for not always being the cheapest insurance provider, but it offers comprehensive full coverage with many additional options. The 24/7 claims service is a particular advantage. - AXA
offers many tailored solutions for comprehensive car insurance coverage to your needs and usually benefit from affordable prices. - DEVK
is known for good customer reviews and affordable prices. Their comprehensive insurance is extensive, and their service is friendly and fast. - CosmosDirekt
is one of the providers that often affordable rates for comprehensive insurance , especially for drivers who have a clean driving record .
How can I save money on comprehensive car insurance?
The good news: You can also save money on comprehensive car insurance ! Here are a few clever tips to avoid taking out a second mortgage on your house:
- Adjust your deductible:
If you pay a higher percentage of the costs yourself in the event of damage, this will lower your monthly premium. However, you should carefully consider how much you could actually afford to pay in the event of a claim. - Combining discounts:
Many insurers offer discounts if you take out several policies with them (e.g., home contents insurance , liability insurance , and car insurance ). Year-round vehicle coverage - Optimize your driving behavior:
If you are an accident-free driver, most insurers reward this. Telematics tariffs also offer discounts if you can prove that you drive particularly safely. - Annual payment instead of monthly payment:
comprehensive car insurance once a year often save on the administrative costs incurred with monthly payments.
Conclusion: Comprehensive car insurance – your all-round protection for your car!
Comprehensive car insurance is for anyone who wants all-around protection for their car – even if they're driving themselves and something goes wrong. It covers almost all damage, even damage you might have caused yourself. Sure, it's more expensive than partial coverage , but if you have a new or valuable car, it's practically essential.
And don't worry, there are plenty of providers that offer affordable comprehensive insurance, and with a few clever money-saving tips, you can reduce the costs. HUK-COBURG , Allianz , and AXA , for example, are known for offering good service at fair prices.
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