Partial or comprehensive casco: which one?
The answer
Partial covers what you do not cause — theft, hail, glass breakage, animal collision. Comprehensive adds your own damage, including your own fault. Comprehensive stops paying off the day the accumulated premiums exceed the vehicle’s residual value.
Why
On a new or leased vehicle, comprehensive is in practice unavoidable: the lessor requires it. On a ten-year-old car it sometimes costs more than it will ever return.
The question is therefore not «which is better» but «from which year». Our car calculator gives that year from the purchase price and the premium.
The other questions
- Which is the cheapest health insurer in Switzerland?
- How much does health insurance cost in Switzerland?
- How much does health insurance cost for a child?
- When can I change health insurer?
- Can a Swiss health insurer refuse you?
- Are the benefits the same at every insurer?
- Which deductible should I choose?
- Does the family doctor model really save money?
- Can I remove accident cover from my health insurance?
- What is the difference between the deductible and the co-payment?
- Why does my neighbour pay less than me?
- Why do premiums rise every year?
- How do I cancel my Swiss health insurance?
- What happens if I do not pay my premium?
- Do I have to insure a newborn, and when?
- How many health insurers are there in Switzerland?
- How long do I have to get insured when arriving in Switzerland?
- Does my employer insure me against accidents?
- What happens to my insurance if I move to another canton?
- What happens to my insurance if I lose my job?
- Is personal liability insurance mandatory in Switzerland?
- Is household insurance mandatory in Switzerland?
- Should I report a small claim to my car insurer?
- Can a supplementary policy be cancelled together with basic insurance?
- Is buying into your pension fund worth it?
Source: Federal Office of Public Health (FOPH), official premiums.