Kasko Insurance
Germany Explained
Kasko insurance protects your own vehicle – unlike Haftpflicht which only covers damage to others. Learn about Teilkasko and Vollkasko options.
Theft protection • Weather damage • Self-caused accidents • Glass coverage
Haftpflicht is Mandatory – Kasko is Optional
German law requires Haftpflichtversicherung (liability) for every registered car. Kasko insurance is voluntary, but if you have a car loan or lease, your lender will likely require Vollkasko.
đź’ˇ Quick Decision Guide
New/valuable car? → Vollkasko
Mid-range car (3-7 years)? → Teilkasko
Older car (>10 years, low value)? → Haftpflicht only may be sufficient
Teilkasko vs Vollkasko
Teilkasko
Partial Coverage
Covers damage to your car from events outside your control:
- Theft and attempted theft
- Fire and explosion
- Weather (hail, storm, flood, lightning)
- Glass damage (windshield, windows)
- Animal collisions (wild animals)
- Cable damage by rodents
❌ Does NOT cover self-caused accidents or vandalism
Vollkasko
Comprehensive Coverage
Includes everything in Teilkasko PLUS:
- All Teilkasko benefits
- Self-caused accidents
- Vandalism (keying, smashed windows)
- Hit-and-run damage (unknown driver)
- Damage when you're at fault
âś“ Maximum protection for your vehicle
When to Choose Each Type
Choose Teilkasko if:
- • Your car is 4-10 years old
- • Value is moderate (€5,000-15,000)
- • You're a careful, experienced driver
- • You want theft and weather protection
Choose Vollkasko if:
- • Your car is new or high-value
- • You have a leased or financed car (often required)
- • You park in public/high-risk areas
- • You want peace of mind for all scenarios
Compare Kasko Insurance Now
See prices for Teilkasko and Vollkasko coverage from top German insurers
Kasko Insurance Comparison
Teilkasko • Vollkasko • Best rates • Free comparison
Kasko Insurance Questions
Is Kasko insurance mandatory in Germany?
No, only Haftpflicht (liability) is mandatory. Kasko insurance (Teilkasko or Vollkasko) is optional. However, if you have a car loan or lease, the lender may require Vollkasko as part of the contract.
How much more does Vollkasko cost vs Teilkasko?
Vollkasko typically costs 30-50% more than Teilkasko. However, for newer cars, the price difference can be surprisingly small. It's always worth comparing both options to see the actual price difference for your situation.
What is a Selbstbeteiligung (deductible)?
The Selbstbeteiligung is the amount you pay out of pocket before insurance covers the rest. Common amounts are €150 for Teilkasko and €300 for Vollkasko. Higher deductibles mean lower premiums.
Does Kasko affect my no-claims bonus?
Teilkasko claims usually don't affect your SF-Klasse (no-claims class). Vollkasko claims for self-caused accidents typically do affect it. Some policies offer 'Rabattschutz' (bonus protection) to prevent downgrading.
Is Kasko insurance worth it for an old car?
For cars older than 10 years with low market value, Teilkasko or even Haftpflicht-only may be sufficient. If your car is worth less than €3,000, the annual Vollkasko premium might exceed the car's value over a few years. However, Teilkasko can still be worthwhile for theft and weather protection.
Find Your Kasko Coverage
Compare Teilkasko and Vollkasko rates to find the right protection for your vehicle.