What is Comprehensive Motor Insurance (Kasko)?
Comprehensive Motor Insurance (Kasko) is voluntary (non-compulsory) vehicle insurance that covers damage to the insured vehicle itself. The key difference from third-party liability insurance is: Compulsory Third-Party Liability (CTPL) only pays for damage caused to third parties, while comprehensive cover covers damage to your own vehicle.
Comprehensive motor insurance is typically offered in three coverage tiers: Mini Comprehensive (collision and rollover focused, narrowest cover), Standard Comprehensive (collision, fire, theft, natural disasters) and Full/Extended Comprehensive (the most extensive, with additional covers such as glass, flooding and electrical damage). As an independent broker, Neolife Group compares multiple insurers to recommend the most suitable package for you.
Deductible (Excess): Comprehensive motor policies require the insured to bear a defined portion of the loss amount. A higher deductible reduces the premium; a lower deductible means less out-of-pocket expense at the time of a claim.
Coverage Scope
Collision and accident cover
Collision (first- and third-party impact)
All damage arising when the vehicle strikes or is struck by another vehicle, object or obstacle.
Rollover and flip
Bodywork damage resulting from the vehicle overturning on its axis or rolling over.
Single-vehicle accident
Losses resulting from loss of steering control or impact with an obstacle without a counterpart vehicle.
Theft and fire
Vehicle theft
Compensation based on insured value in the event of vehicle theft. Vehicle valuation is determined before the policy is signed.
Vehicle fire
Fire damage caused by engine, electrical or external factors. Fires resulting from sabotage are subject to special conditions.
Theft-attempt damage
Glass broken, locks forced and electronic systems damaged in the course of a theft attempt.
Natural disasters and external factors
Flood and water ingress
Damage caused to the vehicle by external flooding or overflow.
Storm and hail
Damage from severe storms, hail or wind. Scope varies by standard cover selected.
Falling objects
Damage caused by trees, roof tiles or other objects falling onto the vehicle.
Deductible selection: A high deductible in exchange for a lower premium may appear attractive, but can raise the actual cost for drivers who make frequent claims. As an independent broker, we help you find the right deductible/premium balance for your situation.
Vehicle valuation: It is important that the insured value stated in the comprehensive policy is close to the current market value of the vehicle. In the event of underinsurance, claim indemnity is reduced proportionately.
What is not covered?
Important: The following situations are excluded from standard policy cover. Always read the policy's special conditions carefully.
- Mechanical or gearbox failure unrelated to an accident
- Damage arising from driving without a licence or while under the influence of alcohol
- Damage caused by the deliberate act of the insured
- Tyre damage (generally excluded unless accompanied by bodywork damage)
- Normal wear and tear
- Damage caused by use in unauthorised or unlicensed areas
Who is it for?
- New vehicle owners: Full comprehensive cover is recommended when vehicle value is high.
- Financed/leased vehicles: Banks typically require a comprehensive insurance policy as a loan condition.
- High-frequency urban drivers: Environments with elevated risk of parking damage and collision.
- Commercial vehicle users: Damage frequency is higher in commercial use; package and deductible selection becomes particularly important.