Civil liability, partial or total: What is the right car insurance?

Munich (ots) – – Everyone needs it: Motor vehicle third-party liability insurance is Ø 50 percent cheaper than comprehensive insurance – Partial comprehensive insurance is on average 25 percent cheaper than all-risk insurance – Car insurance change: Family with a child who has the right to drive saves up to 843 euros

All cars in Germany require motor vehicle liability insurance. It is required by law and pays for personal injuries, property damage, and financial losses suffered by a person injured in an accident. Owners who want additional insurance for their car can purchase partial or full insurance. Pure liability insurance is on average 50 percent cheaper than comprehensive insurance, and comprehensive insurance costs 25 percent less than comprehensive insurance.1)

Partial hull insurance also pays for theft and accidents related to wild game.

Partial hull insurance ( offers more comprehensive protection than pure vehicle liability insurance and also covers damage to your own car, e.g. B. due to theft, fire, storm, lightning, hail and flood, as well as glass breakage.

Accidents involving game animals and damage caused by a marten bite are also insured. In case of accidents involving wildlife, consumers should ensure that animals of all kinds are included and also insure consequential damages in the event of a marten bite. Both only cost a small extra charge.2)

Comprehensive motor vehicle insurance covers damage to your own car that you cause yourself

Comprehensive insurance ( also pays for self-inflicted damage to your own car in addition to all comprehensive insurance services.3) You also pay in the event of vandalism. Therefore, comprehensive insurance is recommended, especially for new cars.

“Comprehensive insurance can also make sense for older cars,” says Michael Roloff, CHECK24’s general manager of auto insurance. “Provided that the owner cannot replace the car with his own resources after a total loss. To keep the insurance premium manageable, a higher deductible and commitment to a workshop should be chosen. In this way, you pay the costs yourself minor damages and has protection for major damages.

Change car insurance: Family with a child with the right to drive saves up to 843 euros

By switching car insurance, consumers can save several hundred dollars. This is shown by CHECK24 example calculations for typical driver profiles ( -1979 /). A family with a child with the right to drive has the greatest savings potential: up to 843 euros.

300 CHECK24 experts provide advice on all aspects of vehicle insurance

CHECK24 insurance experts will help you with all car insurance questions in a personal consultation via email, chat or phone. In addition, CHECK24 customers are supported by our chatbot 24 hours a day in many service-related matters. In your personal insurance center, clients manage their insurance contracts, regardless of who they have contracted with. You benefit from automatic premium and benefit controls and can therefore easily optimize your insurance coverage and save at the same time.

1) Sample calculations for all rates available in the CHECK24 comparison. Profile example: Insurance change on January 1, 2023, VW Golf 1.0 TSi (HSN: 0603, TSN: BVV), first registration: February 2020, purchase and owner registration: August 2020, used car, wholesale purchase cash, use: private only (including trips), 12,000 km/year, vehicle user: policyholder (45 years old, 27-year-old driver’s license), married, employed, no points, no children at home, homeless owned, parking: street (public), civil liability (SF 20) and all-risk insurance (SF 20) with a franchise of 300 including partial insurance with a franchise of 150 euros, workshop selection: all fees, annual payment of the contribution; 06268 Barnstaedt

2) More information on the extended coverage for game damage ( ) and marten bite including consequential damage ( achten-1981/ ) under the links .

3) This does not apply to gross negligence and intent

About CHECK24

CHECK24 is the largest comparison portal in Germany. The free online comparison of numerous providers creates constant transparency and customers often save several hundred euros when switching. You can choose from 300+ auto insurance rates, 1,000+ electric providers and 850+ gas providers, 300+ banks and credit brokers, 350+ telecommunications providers for DSL and mobile communications, 10+ 000 affiliated electronics, housewares and auto tire stores, 300+ car rental companies, 1,000,000+ accommodations, 700+ airlines, 75+ package tour operators and service providers around 70 categories have the right offer for you. Use of the CHECK24 comparison calculator and personal customer advice seven days a week is free for consumers. CHECK24 receives remuneration from the suppliers. Banco C24 also belongs to the CHECK24 Group. CHECK24 is headquartered in Munich and is represented at 18 other locations in Germany.

CHECK24 supports the EU quality criteria for comparison portals

Consumer protection is the top priority for CHECK24. Therefore, CHECK24 actively participates in the application of uniform European quality criteria for comparison portals. The EU Commission’s list of principles “Key Principles for Comparison Tools” contains nine recommendations for objectivity and transparency, which CHECK24 complies with on all points, including classifications, market coverage, currency of data, customer reviews, ease of use and customer service.

Press contact:

Florian Stark, Public Relations Manager, Tel. +49 89 2000 47 1169, [email protected]

Daniel Friedheim, Director of Public Relations, Tel. +49 89 2000 47 1170, [email protected]

Original content from: CHECK24 GmbH, broadcast by news aktuell

Newsroom of the press portal: news aktuell GmbH


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