Everything You Need to Know About Partial (Comprehensive) Car Insurance (Teilkasko)

What is partial comprehensive car insurance (Teilkasko)?

Teilkasko is a type of car insurance in Germany that covers specific damage to your own vehicle, typically excluding accidents that you cause yourself. It complements mandatory third-party liability insurance (Kfz-Haftpflicht), which only pays for damage to other people and their property, by adding protection against defined risks.

What risks does Teilkasko cover?

• Theft of the car or parts of it

• Fire and explosion

• Glass damage (windscreen, side windows, rear window—sometimes mirrors depending on the policy)

• Natural hazards such as storms, hail, flooding, heavy snow, or landslides

• Collisions with animals (often wild animals; some policies include domestic animals)

• Unrest or third-party damage such as vandalism (depending on the plan)

What is usually not covered?

• Accidents you cause yourself or damage resulting from reckless driving

• Collisions with other vehicles when you are at fault (typically covered only by Vollkasko)

• Damage caused by illegal use of the vehicle or serious policy breaches (depending on terms)

How are premiums calculated?
Premiums depend on factors such as:

• car type, model, and value

• where you live (regional risk class)

• driving profile and claims history

• chosen coverage details and any deductible
  Teilkasko is generally cheaper than Vollkasko because it covers fewer risks.

Does Teilkasko cover theft of items inside the car?
Usually no. Personal belongings inside the car are often excluded. Additional cover or other policies may be needed for valuables.

Tips for choosing the right Teilkasko

• Check terms, exclusions, and payout limits carefully.

• Compare providers by price and benefits (animal collision scope, natural hazard limits, glass claim rules).

• Consider local risks (theft rates, severe weather, parking conditions).

• If unsure, consult an insurance advisor.

What should you do if a Teilkasko-covered incident happens?

• Report the claim quickly to your insurer.

• Document everything (photos, witnesses, police report for theft/vandalism where required).

• Keep all invoices and repair documents.

• Follow the insurer’s steps to speed up settlement.

Conclusion
Teilkasko is an ideal option for drivers who want protection against theft, natural hazards, glass damage, and other defined risks—without paying the higher cost of Vollkasko. Understanding policy conditions and choosing the right scope gives you balanced, effective protection.

Editorial note
The site’s writers and editors strive to provide accurate information through extensive research and by consulting multiple sources. However, occasional errors may occur or some information may be unconfirmed. Please treat this as initial guidance and consult the relevant authorities for verified information.