Hail damage, martens or paint damage? You can take out casco insurance for these and other damages to your car. Taking out a casco insurance is not compulsory in all cases, but it usually makes sense. But what is the difference between a partial and a full casco insurance? We'll explain it to you.

Guide
Comprehensive insurance
Partially and fully comprehensive – the differences
Partial casco insurance - what is insured?
Partial casco insurance basically covers damages to your car that you have not caused yourself. For example the following damages.
From CHF 29 per month
Information on the calculation basis: *Person: Born 1 June 1986, female, resident in 8400 Winterthur, nationality: Switzerland
Car: Fiat 500 Electric mod. 2022 type certificate 01xx664 / 0 damage last 5 years / no leasing / catalogue price CHF 44 490
Coverage modules: Compulsory third-party liability and partial casco.
Start of insurance 01.03.2024, annual payment method, offer date 01.02.2024, price rounded.
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And what is the full casco insurance?
Full casco insurance consists of partial casco and collision insurance. In addition to the examples listed above, collision insurance also pays for damage to your car that you have caused yourself - regardless of whether you hit a pole during a parking manoeuvre or get into a traffic jam too early. In general, a full casco insurance makes sense if you want to insure a newer or a valuable vehicle. It is even obligatory for leasing.
What costs are covered in the event of damage?
In the event of partial damage to the vehicle, the casco insurances usually cover the repair costs. In the case of total damage, however, it depends on several factors. Most insurance companies offer a surcharge on the current value of the vehicle. This means that in the event of a total damage you will not only be paid the current value (i.e. the actual value of your car), but also an additional 10-20 %.
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