What is fully comprehensive insurance against a collision
Fully comprehensive or partially comprehensive - what is it worth?
What a day: Priska drives her car into the company parking garage. She is way too late and brushes against a pillar because of the hectic pace. The entire left side of your vehicle is indented. It's still driving, but it looks bad. When she comes back from work in the afternoon, the stress continues. Your car also has a huge scratch on the right side. Obviously she hit another car while pulling out of a parking space - and then disappeared.
Her husband Urs is also unlucky: first he gets caught in a hailstorm with his car, then a stone knocks a hole in the windshield. In the parking lot, a stranger scratches a Mickey Mouse into his paintwork. And last but not least, he collides with a wild boar.
Partial insurance pays for hail dents
When they both arrive at home, Priska and Urs are completely exhausted - and at a loss: what is insured at all? A call to the insurance company brings clarity. Both vehicles have fully comprehensive insurance. This is made up of partial and collision insurance. The partially comprehensive insurance generally covers fateful, surprising damage. She pays for the repair of the hailstones on Urs' car, she takes care of the repair of his windshield and also pays the cost of the bumper that was dented by a wild boar collision. By the way: In the event of a collision with animals, the police or the ranger must be notified. Mickey Mouse in the paintwork as deliberate damage is not covered by partial comprehensive insurance, but the repair of this damage is covered by fully comprehensive insurance.
Fully comprehensive pays for damage after accidents
The damage to Priska's car is not covered by the partial comprehensive insurance. It's good that she has fully comprehensive insurance that includes collision damage. This also includes self-inflicted accidents such as flirting with the car park column. And the damage the stranger caused to your parked vehicle? This is what is known as parking damage. It can be optionally insured as a supplement to fully comprehensive insurance. Fortunately, Priska also opted for the «parking damage» module. So all your damage will be covered by the insurance.
Simple processing in the event of a claim with our partner ZURICH
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Partial coverage: what is it?
In addition to the compulsory liability insurance, you can take out partial comprehensive insurance. While liability pays damage to other people and property for which you as the vehicle owner are responsible, partial coverage covers damage to your own vehicle due to the following risks: theft, fire and natural hazards, hail damage and broken glass, vandalism damage, collision with animals and Damage from martens or rodents. Collision damage is not included in the partial comprehensive insurance.
In principle, a partially comprehensive insurance is interesting for all motorists, because, for example, a breakage of the windshield on the car can happen very quickly without you being able to do anything about it.
Fully comprehensive insurance - do I need that?
One speaks of fully comprehensive insurance when collision coverage is selected in addition to partially comprehensive insurance. Accident damage to your own vehicle in the event of a collision is insured. It does not matter whether the collision occurs with an object such as a tree or wall or another vehicle and is your own fault. Willful acts of third parties are also insured. Damage caused to others is insured through compulsory liability. This also applies if third parties are injured in an accident.
Fully comprehensive insurance is particularly worthwhile for newer vehicles. She pays for repairs after a collision and ensures that the value of the vehicle is compensated in the event of a total loss. As a rule, fully comprehensive insurance is recommended up to the seventh year of operation, but of course it depends entirely on the personal situation.
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