What is comprehensive car insurance (Vollkasko)?
Vollkasko is the most extensive type of car insurance coverage for your own vehicle in Germany. It includes everything covered by partial comprehensive insurance (Teilkasko) and additionally covers damage you cause yourself, vandalism, and—depending on the policy—certain situations involving uninsured or underinsured parties. Its main purpose is to protect your own car against a wider range of risks, not just third-party liability.
What does Vollkasko cover?
All Teilkasko risks, such as theft, fire, glass damage, and natural disasters
Accident damage from collisions with other vehicles or fixed objects
Self-caused damage to your own car when you are at fault
Vandalism / intentional damage caused by third parties
In some plans: towing and emergency support (policy-dependent)
Why is Vollkasko recommended for new cars?
New cars are typically high-value, and repairs can be expensive.
It protects you from paying large repair costs out of pocket.
Banks and leasing companies often require Vollkasko for financed/leased vehicles.
It provides stronger peace of mind during the early years of ownership.
How are premiums calculated?
Premiums depend on factors such as:
car model and value
driver record and no-claims class
where you live and local risk levels
chosen add-ons and the deductible (Selbstbeteiligung)
Vollkasko premiums are usually higher than Teilkasko due to broader coverage.
What is the deductible (Selbstbeteiligung)?
The deductible is the amount you pay yourself before the insurer covers the rest. A higher deductible often lowers the premium, but increases your cost if a claim occurs.
Tips for choosing the right Vollkasko
Read coverage terms, limits, and exclusions carefully.
Compare insurers by price and services (repair shop network, replacement car, roadside add-ons).
Choose a deductible you can comfortably afford if an accident happens.
For new cars: check if “new value” compensation, purchase price coverage, or GAP cover (leasing) is available.
What to do after an accident
Ensure everyone’s safety; call police/emergency services if needed.
Collect information and evidence (photos, witnesses, accident notes).
Notify your insurer promptly and submit all required documents.
Keep detailed records to speed up settlement.
Conclusion
Vollkasko is the strongest protection for your vehicle in Germany, especially for new, expensive, financed, or leased cars. Understanding the policy, choosing the right deductible, and documenting incidents properly gives you maximum financial protection and peace of mind.
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 details.
