Calculate the basics of car insurance
Car insurance is a key protection mechanism for every vehicle owner. It is divided into different types of insurance: Liability insurance is required by law and covers damage that you cause to other road users. This insurance protects against financial burdens if you are involved in an accident and cause damage to third parties. The legal minimum coverage is 7.5 million euros for personal injuries and 50,000 euros for financial losses. If there are traffic accidents with several people injured, this amount can quickly be exceeded.
Partial comprehensive insurance is voluntary and protects your own vehicle from a variety of risks such as theft, fire, broken glass, damage from wild animals (e.g. collision with animals or damage caused by animal bites) and natural damage (e.g. hail or flood). In these cases, partial comprehensive insurance covers the replacement or repair of your vehicle after deducting your personal deductible.
Comprehensive insurance is also voluntary and offers the most comprehensive protection by covering the benefits of partially comprehensive insurance for damage to your own vehicle caused by self-inflicted accidents as well as vandalism and malicious damage. This is particularly recommended for new or high-quality vehicles. As with partially comprehensive insurance, fully comprehensive insurance regulates benefits after deducting your personal deductible.