Vollkasko
Full Comprehensive Insurance
Simple Definition
Optional car insurance that covers damage to your OWN car, even if the accident was your fault. It includes collision damages caused by you. It is usually mandatory for leased vehicles to protect the leasing company's asset.
Why this matters to Expats.
Recommended for new or expensive cars (0-4 years old). For older "beaters," the premium often costs more than the car's value, so Expats typically switch to Partial Coverage (Teilkasko) after the car depreciates.
Actionable Intelligence
Leasing: You MUST have Vollkasko for a leased car.
Parking Damage: Standard Vollkasko often excludes "Parking Damage" (dents from unknown strangers). You need a specific "Parkschaden" add-on.
Bonus Protection: Get "Bonusschutz" so your premium doesn't hike after your first accident.
Frequently Asked Questions
What counts as a "Total Loss"?
If repairs exceed roughly 60-80% of the current value (Zeitwert), they pay the value, not the repair.
Can I downgrade?
Yes, you can usually switch to Teilkasko annually or if you change vehicles.
Does it cover me driving abroad?
Yes, usually within geographic Europe (Green Card zone).
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