Do I need partial or comprehensive cover?

In contrast to motor vehicle liability, partial and fully comprehensive cover are not required by law. Nevertheless, both insurances are recommendable. The partial cover insurance pays for damage to your own vehicle. This includes fire, theft and glass breakage.

Comprehensive insurance pays for damage to your own car caused by an accident you caused yourself or damage caused by vandalism (scratches), uninsured parties involved in an accident or a hit-and-run driver. Comprehensive cover is recommended for new vehicles. How long the fully comprehensive cover lasts is a question of personal risk tolerance. If you get out early, you save on insurance costs. But unexpected things often happen…