Teilkasko, literally translated as “partial cover” in English, is a type of car insurance in Germany that provides coverage for a range of damages to a vehicle that are not caused by the driver’s own fault.
What is “Teilkasko”?
Teilkasko is a voluntary car insurance option that goes beyond the mandatory third-party liability insurance (HaftpflichtversicherungHaftpflichtversicherung, or liability insurance in English, is a type of insurance that provides coverage for individuals against claims resulting from... More) required by German law. It covers damages to the policyholder’s own vehicle resulting from external events such as theft, fire, natural disasters, and collisions with animals. However, it does not cover damages caused by the driver’s own fault or vandalism. This insurance is particularly relevant for drivers in Germany who wish to have additional protection for their vehicle without the higher premiums associated with comprehensive (Vollkasko) insurance[1][2][3][7][8].
More information about “Teilkasko”
Teilkasko insurance typically includes coverage for theft, fire or explosion, natural disasters like storms and hail, glass breakage, and animal collisions. It is often chosen for older vehicles where comprehensive coverage may not be cost-effective. The insurance payout is usually limited to the current value of the vehicle at the time of the damage[5][6][11].
Related to “Teilkasko”
Here are some additional terms that are related to Teilkasko:
- HaftpflichtversicherungHaftpflichtversicherung, or liability insurance in English, is a type of insurance that provides coverage for individuals against claims resulting from... More: Mandatory third-party liability insurance covering damages caused to others.
- Vollkasko: Comprehensive car insurance that includes Teilkasko coverage and also covers damages to the policyholder’s own vehicle, even if they are at fault.
- SchadenfreiheitsklasseThe Schadenfreiheitsklasse, literally translated as "no-claims category," is a system used by German car insurance companies to determine the insurance... More (SF-Klasse): A no-claims bonus class that can reduce insurance premiums based on the driver’s history of claim-free years.
- SelbstbeteiligungThe term "Selbstbeteiligung" translates to "deductible" in English and refers to the amount that insured individuals must pay out of... More: Deductible or excess that the policyholder agrees to pay out of pocket in the event of a claim.
Teilkasko is a sensible choice for those who want to balance the need for protection against certain risks with the desire to keep insurance costs down[2][3][6][7].