Kaskoversicherungen

Kaskoversicherungen, often translated as comprehensive insurance or collision insurance, are a type of voluntary vehicle insurance. Unlike Haftpflichtversicherung, which is mandatory in many countries and covers damage to third parties, Kaskoversicherungen protect the insured vehicle itself. There are generally two main types: Teilkaskoversicherung and Vollkaskoversicherung.

Teilkaskoversicherung covers damage to the insured vehicle caused by specific events beyond the owner's control. These typically include natural hazards like storms, hail, and floods, as well as theft, fire, and damage caused by wild animals. It also often covers broken windows and damage from short circuits.

Vollkaskoversicherung, or full comprehensive insurance, includes all the coverages of Teilkaskoversicherung and adds protection for damage resulting from a collision or a rollover. This means if the insured driver causes an accident and damages their own vehicle, Vollkaskoversicherung will cover the repair costs, minus any agreed-upon deductible. It also generally covers vandalism.

The cost of Kaskoversicherungen depends on various factors, including the vehicle's value, the driver's age and accident history, the chosen deductible, and the coverage selected. Drivers often choose Kaskoversicherungen for newer or more valuable vehicles where the potential repair costs are significant.