The partial all risks insurance on vehicles is an insurance, which covers damage to the own vehicle. It is prescribed not legal, offers however additional protection to the Kfz liability insurance.

The annuities of the partial all risks insurance on vehicles depend with the passenger car on Typenklassen-Einstufung.Die Teilkasko are independent in the comparison to the insurance against all risks of rate of contribution, i.e. the premium amounts to always 100% of the basic premium. A damage liberty discount is not considered. However the height of the contribution hangs off of the motor vehicle type (type class) and of the place, at which the vehicle is announced (regional class).

Straight one with new or valuable vehicles is worthwhile itself these extended safety costs can generally be saved, as with the case of loss a portion from own bag is paid. The more highly this so-called self participation is selected the lower precipitates the monthly insurance premium.

By a partial all risks insurance on vehicles one is insured in the following cases:

• Fire or explosion
• Theft inclusive break-down partial theft
• Robbery
• direct effect of storm, hail, thunderbolt or inundation
• Collision with hair game, while the vehicle is in motion
• Glass break damage
• Damage of the wiring by short-circuit (scorching damage)
• Marderbiss without damages

Some insurers extended the term hair game by horses, cows, sheep and goats.

Used topics

• Falling rocks
• Glass break

Related links

• http://www.gdv-dl.de/typen.html type class allocation

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