Partial cover insurance

What is insured

You can find all important information on the subject of partial cover here

What is partial comprehensive insurance

Partial comprehensive insurance in Switzerland is a non-mandatory component of motor vehicle insurance – for cars as well as for motorcycles, trucks, vans, etc.

This coverage protects you from the financial consequences of damage to your own car that you did not cause yourself.

Exactly what damage is covered by partial coverage insurance

Partial insurance covers damage to your own vehicle that was not caused by you, but by external causes.

Here are the main benefits covered under partial coverage in the event of a claim:

Natural hazards (severe weather), fire damage, water damage, hail damage, marten damage, glass breakage and theft. Also insured are usually collision with animals and vandalism. There are some other add-ons that can be included in partial coverage, such as parking damage, or time value add-on.

When does partial cover insurance make sense

Any insurance makes sense if the benefits it insures are a benefit to you – or, thinking about it the other way around, you need the appropriate insurance if, without that coverage, you would face a financial hardship in the event of a claim. Basically, it is recommended to have at least partial coverage insurance, if not full coverage insurance, for a new car (which is with leasing vehicle even obligatory is mandatory). This covers the costs of repairs to your own vehicle – which, in the case of partial cover, are caused by external factors, and in the case of fully comprehensive cover, are caused by your own fault.

Other circumstances to consider include how much the vehicle is used and how likely it is to suffer damage from nature or natural hazards. For example, if you have a car in the garage and use it very infrequently, hail damage is unlikely. With an older car, you should also consider whether you would still have any damage repaired at all, or if, for example, you don’t really care about a dent due to animal collision, or if the cost of repair would be so high that it would exceed the overall value of the vehicle.

Difference partial cover and fully comprehensive insurance

The so-called comprehensive insurance includes the Partial cover-coverage, as well as the Collision coverage. In both cases, these are coverages against damage to one’s own car. The main difference is who is at fault, or who caused the accident.

Partial cover (as well as third party liability) covers damage that you did not cause yourself, but that was caused by third parties or other influences (e.g. weather).

Comprehensive insurance, on the other hand, covers the cost of repairing damage, even if it is your own fault, for example if you hit a pole while parking.

In addition, partial coverage is always voluntary, whereas comprehensive coverage is mandatory for leased vehicles.

In conclusion, both insurance modules are very useful and recommendable in many situations – the corresponding criteria, such as age and value of the vehicle, help to decide where partial cover is already sufficient and where comprehensive cover is necessary.

It is worth comparing

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FAQ Partial cover insurance

They say fully comprehensive for new cars, partial comprehensive for a car that is not so new anymore, and only third party liability for an older car. This can provide a basis as a rule of thumb, but does not necessarily apply to all. In most cases, it is advisable to switch to partial coverage when the vehicle is 5-6, maximum 7 years old, or for vehicles with a time value below 5000/4000 CHF. Ultimately, everyone decides on their own car whether it is still worth repairing in the event of hail damage or not.

Comprehensive insurance is worthwhile especially for new cars, usually in the first years to 4-5 years. A claim on an expensive new car can be very high – so the policyholder is grateful that the comprehensive insurance covers the repair costs.

It is also important to note that partial coverage covers damage that is normally beyond your control.

If your car is so old that any slightly major damage is so high that it is more than the value of the vehicle itself, then you no longer need partial coverage.

Here there is no fixed rule that fits everyone. Of course, the higher one’s participation, the lower the premium.

The usual deductible is CHF 200 for glass damage, CHF 500 for damage caused by natural forces and no deductible for all other damage (such as theft, vandalism, animal collision, etc.). However, a higher deductible can be freely chosen if you want to save premiums. In the partial cover, however, it is also so that an adjustment in the deductible does not really make much difference in the premium, but then still represents a difference when then a damage occurs.

Therefore, it is certainly worth comparing this and checking whether it is worth setting a deductible high or not.

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