Full Coverage
Car Insurance Germany
Full coverage (Vollkasko) provides maximum protection for your vehicle, including damage from your own accidents and vandalism.
Self-caused accidents • Vandalism • All Teilkasko benefits • Complete peace of mind
Mandatory Insurance in Germany
All cars in Germany must have Haftpflichtversicherung (third-party liability) at minimum. Full coverage (Vollkasko) is not legally required but is often contractually required for leased or financed vehicles. Check your lease or loan agreement before choosing coverage.
What Full Coverage Includes
đź’ˇ When Full Coverage is Essential
Full coverage is usually required for leased and financed vehicles – check your contract! It's also highly recommended for new cars and valuable vehicles where repair costs would be significant.
Full Coverage (Vollkasko) Benefits
What Makes Full Coverage Different
Covered by Vollkasko
- Self-caused accidents – when you crash your car
- Vandalism – scratches, keying, broken windows
- Hit-and-run – damage by unknown driver
- Theft – car stolen or broken into
- Weather – hail, flood, storm damage
- Fire & explosion – total loss protection
- Glass damage – windshield, windows
- Animal collision – deer, wild boar, etc.
Who Needs Full Coverage?
- Leased car owners – usually contractually required
- Financed vehicles – banks often require it
- New car buyers – protect your investment
- Expensive vehicle owners – high repair costs
- New/inexperienced drivers – higher accident risk
- City drivers – more vandalism risk
Cost Considerations
Full coverage typically costs 30-50% more than partial coverage (Teilkasko). However, for newer cars, the price difference can be surprisingly small – often just €100-200 per year more.
Tip: Choose a higher deductible (Selbstbeteiligung) to reduce your premium. Common deductibles are €300-500 for Vollkasko.
When You Need Full Coverage
Buying a New Car
A brand-new vehicle loses value quickly. Vollkasko protects your full investment from day one, covering self-caused accidents and vandalism.
Leased Vehicle
Most leasing contracts require Vollkasko. Without it, you may be personally liable for the full value of the car if something happens.
Financed Car
Banks and financing companies typically require full coverage until the loan is repaid. Check your contract for specific requirements.
Expensive or Luxury Car
Repair costs for premium vehicles are high. Full coverage ensures a minor accident does not become a major financial burden.
Parking in High-Risk Areas
If you park on the street in a city center, vandalism and hit-and-run risks are higher. Vollkasko covers these scenarios.
New or Young Driver
Inexperienced drivers have a higher accident risk. Full coverage provides peace of mind while you build driving confidence in Germany.
Compare Full Coverage Insurance
See Vollkasko prices from multiple German insurers
Vollkasko Comparison
Full coverage • Best rates • Free comparison
Full Coverage FAQ
What's the difference between Vollkasko and Teilkasko?
Vollkasko (full coverage) includes everything Teilkasko covers PLUS self-caused accidents and vandalism. Teilkasko covers theft, fire, weather damage, and glass – but not damage you cause yourself.
Is Vollkasko required for new cars?
It's not legally required, but it's highly recommended. If your car is leased or financed, Vollkasko is often contractually required. Check your financing agreement.
Does making a Vollkasko claim raise my premium?
Claims for self-caused accidents typically affect your SF-Klasse (no-claims class), which can increase future premiums. Some policies offer 'Rabattschutz' (bonus protection) to prevent this.
When should I switch from Vollkasko to Teilkasko?
Many people switch when their car is 4-6 years old and has depreciated significantly. The break-even point depends on your car's value and the price difference between coverages.
What's a typical Vollkasko deductible?
Common deductibles are €150-500 for Vollkasko. Higher deductibles mean lower premiums. Many people choose €300 as a balance between cost and out-of-pocket risk.
Compare Full Coverage Options
See how much Vollkasko costs for your vehicle. Compare rates and find the best deal!