Partial casco covers damage to your own vehicle caused by external influences. For example: damage caused by rodents, glass damage, theft, weather damage or collisions with wild animals. This means that partially comprehensive insurance makes the most sense if the vehicle is somewhat older and not particularly valuable, if the vehicle is not parked in a garage where it would be protected against hail, martens and glass damage or if the vehicle owner is prepared to pay the costs of collision damage himself. Partial casco does not cover damage caused by vandalism.

Fully comprehensive cover is all-round protection that covers all benefits from partial comprehensive cover and self-inflicted damage, such as rear-end collisions, or damage caused by burst tires, wilful damage to third parties and damage caused by unidentifiable persons after a hit-and-run. As the benefits are more comprehensive, fully comprehensive cover costs more than partially comprehensive cover. However, the insurance costs also depend on the model and age of the vehicle, how long the vehicle owner has had a driver's license, the age of the driver, the nationality of the driver, whether the driver is male or female, and the agreed deductible. (The more the vehicle owner pays in the event of damage, the lower the premium). In other words, fully comprehensive insurance makes the most sense if the vehicle is new or very valuable, is often used by other people and is driven by new drivers. If the vehicle is leased, you always need fully comprehensive insurance.

Third-party liability insurance is a legally required minimum insurance and a prerequisite for registering a car. If the vehicle owner causes damage with the car, liability insurance pays for repairs to the car, personal injury, i.e. medical treatment and consequential costs. Liability insurance therefore insures people/property damaged in an accident. Liability insurance ensures that the accident victim receives compensation in any case, even if the person who caused the accident may not be able to pay. However, the insurance is not liable for gross negligence, e.g. running a red light, speeding, talking on the phone or picking up dropped objects while driving.