Comprehensive cover or partial casco – which one do I need?

Child with cell phone in the car

Comprehensive cover or partial casco – which one do I need?

Repairing a damaged car can be really expensive: will partial casco suffice – or do I need comprehensive cover? And what exactly does that mean?
What a day: Priska is driving her car into the company parking lot. She is running very late and as a result of the stress she scratches her car against a column. The entire left side of her vehicle is dented. While it still drives fine, it looks bad. As she leaves work in the afternoon, her stress builds. There is a huge scratch on the right side of her car too. Obviously, another car has hit hers while leaving the parking lot – and then simply driven off.

Micky mouse in the paintwork

Her husband has run into some bad luck too: First he drove his car through a hailstorm, then a stone punched a hole in his windshield. In the parking lot an unknown person has scratched the likeness of Micky Mouse into his paintwork. And, last but not least, he has hit a wild boar.

Partial casco pays for dents caused by hail

As the couple return home, Priska and Urs are completely exhausted and perplexed: what exactly is insured? A call to Zurich provides clarity. Both vehicles have comprehensive insurance. This is composed of partial casco and collision insurance. Single vehicle accidental damage insurance (partial casco) comes into play for unexpected damages. It covers the cost of repairing the hail dents on Urs' car, takes care of the windshield repair and also pays the costs of the dented fender caused by the collision with the wild boar. Incidentally, in the event of a collision with an animal, either the police or the gamekeeper must be informed. The Micky Mouse scratched into the paintwork is not covered by the partial casco, this damage is covered by the comprehensive cover.

Comprehensive cover pays for damages resulting from accidents

The damage to Priska's car is not covered by partial casco. Luckily she has comprehensive insurance, which covers collision damage. Self-inflicted accidents, such as her flirtation with the column in the parking lot, are likewise covered here. And the damage done to her parked car by an unknown individual? That is known as parking damage. This can be taken out as a supplement to comprehensive cover. Good then, that Priska also opted to include the "parking damage" component when taking out her policy. As a result, all of the damages incurred are covered by her insurance.

Everything will be fine thanks to Zurich Help Point

Urs and Priska find out that they don't need to organize the repairs themselves. They schedule an appointment at the Zurich Help Point the following morning. Strengthened by a large cup of coffee, they recount the events of their day. No red tape: a vehicle expert does a quick inspection of the car with them and recommends the most careful method of repair. After this they receive the keys for their complementary replacement vehicle. Urs only drives an automatic and Priska needs a child seat – no problem. After 20 minutes, both are sat in their replacement cars and are able to drive to work.

Lifetime guarantee

Three days later, Priska receives a phone call. Her car has been repaired. Arriving to pick up her car, Priska is astounded: her vehicle looks as good as new. And because they made use of a Help Point, Zurich thanks them with a reduced deductible. What Priska likes best: Zurich issues a lifetime guarantee for all repairs. Urs is also able to pick up his vehicle on the same day. He is pleased that it has been freshly vacuumed and the vehicle expert has also conducted a safety check, free of charge. Breaks and lights are working without a hitch.

Who benefits from comprehensive cover?

When it's time to leave, Urs has another question: "I have been wondering: Who needs comprehensive insurance and who needs single vehicle accidental damage insurance?" The vehicle expert says that everyone needs single vehicle accidental damage insurance, as it is virtually impossible to protect yourself against, say, damage to the windows due to breakage. Comprehensive cover is primarily for newer vehicles. This will pay the costs of a repair following a collision and ensures that the value of the vehicle is paid out in the event of a total loss. "As a rule, we recommend comprehensive cover up to the vehicle's seventh year of service, but naturally it depends entirely on the individual situation", the expert comments. For Urs and Priska, comprehensive cover definitely paid off.

Partial casco: What is it?

In addition to the obligatory liability insurance, you can also take out single vehicle accidental damage insurance. While third party liability pays for damage done to others and their property, for which you as the vehicle owner are responsible, partial casco covers damage to your own vehicle as a result of the following risks: theft, fire and damage caused by natural hazards, hail damage and glass breakage, vandalism, collision with animals and damage by martens or rodents. Collision damage is not included in the partial casco cover.

Comprehensive cover – do I need it?

Comprehensive cover is comprised of partial casco and collision cover. Collision includes accidental damage to your own vehicle. It doesn't matter whether the collision is with an object, such as a tree or a wall, or another vehicle or if the damage was caused by you. Damage caused by willful acts of third parties is likewise covered. Damage inflicted upon others is covered by the obligatory cover for third party liability. This also applies if third parties are injured as the result of an accident.

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