I imagine the difference between the 3 insurance type is clear to all driver here, but here quite a short summary (very broadly summarized):
Haftpflicht (civil responsibility): mandatory, cover for damage you do to stuff outside your car while driving your car
Teilkasko: covers damage to your car, where you are not at fault (hail, vandal, wild animals, stones to your glass etc)
Vollkasko: covers damage to your car where you were at fault behind the wheel
With all the recent driving assisted feature, parking sensor and so on do people driving a modern car really cause that much damage to the own car? I guess if you are bad at parking and have no camera or parking sensor, the vollkasko may make sense. But are newest technology making vollkasko useless, particularly even for new vehicles? Assuming you buy on cash since leasing requires vollkasko mandatorily. I mean you get automatic braking, pedestrians recognition, parking stuff…you need to really be unlucky (or idiot) to cause a damage to your car that would be covered by vollkasko. The only one I can think of is slipping on an icy road and crashing on a wall (driving too fast on icy road). Any other scenario that would not be covered by 90% by newest technologies?
Because if somebody is driving himself in your car and you have no fault, is their Haftpflicht that pays for the damage at your car.
So I wonder if you buy a car with all these feature, does it make sense to even have vollkasko or even teilkasko coverage? Any experience or people who tried this out there?