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While comprehensive car insurance isn't mandatory like compulsory liability insurance, it's definitely worth considering. Especially if you own a more expensive or newer car. If you choose a car from Birne for operational leasing, it will automatically come insured. And there are many reasons why such a vehicle should have comprehensive car insurance.
What is comprehensive car insurance?
The main reason to have comprehensive car insurance is that it covers damages to your vehicle in case of an accident. If you crash into someone or, for example, knock down a concrete pole, the insurance company will cover that damage through compulsory liability insurance. However, this policy does not apply to your own car, which is why having comprehensive car insurance is beneficial.
Comprehensive car insurance covers various damages
A car on operational leasing is usually brand new or only slightly used. So, it has a high value. Even minor damage can quickly escalate to tens of thousands of crowns for repairs. If you don't want to pay for it out of your own pocket, comprehensive car insurance is essential.
However, it doesn't only apply to crashes. Each insurance company offers different types of coverage, and in many places, you can also arrange various supplementary insurance policies for comprehensive car insurance. This means it can quickly become a comprehensive "all-risk" policy, protecting you from any damage to your car. This typically includes damage from vandalism, natural disasters, or car theft.
When arranging comprehensive car insurance, you can choose which supplementary insurance policies might be useful to you. Typically, these include collision with animals, glass insurance, extended roadside assistance services, or luggage damage. Of course, the price of comprehensive car insurance will increase as a result. However, this mainly depends on the age and model of the vehicle, your age, and any bonuses/maluses. Most insurance companies also offer a discount on comprehensive insurance if you arrange it with compulsory liability insurance.
At Birne, comprehensive car insurance, compulsory liability insurance, glass insurance, and roadside assistance are already included in the basic services of operational leasing. You don't need to arrange anything else yourself, and you'll learn all the details when you lease the vehicle.
Deductible in comprehensive car insurance
It is common for the insurance company to require a so-called deductible in the event of an accident caused by you. This simply means you will have to contribute to the cost of the damage. However, the deductible in comprehensive car insurance can be set differently in each contract.
At Birne, this amount is set at 10%. The minimum is CZK 10,000. If this seems too much to you, you can opt for an additional service that reduces the comprehensive insurance deductible to just 5% as part of our premium services. The minimum amount you would have to pay in the event of an accident would then drop to just CZK 5,000.
Premium services also include the option of mobility guarantee, which can be useful in case of an accident or a car breakdown.
Don't forget comprehensive car insurance for abroad
Finally, let's mention that comprehensive car insurance for abroad can be very useful. Whether you're going on holiday or a business trip, you never know what might happen. Compulsory liability insurance and comprehensive car insurance will help you deal with car troubles anywhere, anytime.
And even though with Birne your car is permanently insured, for your own vehicle, you can arrange short-term comprehensive holiday insurance that is valid only for a certain period. This makes it relatively inexpensive while still offering all the benefits of comprehensive insurance.
To avoid overpaying, it's advantageous to use one of the online comparison tools or an online calculator. After entering a few basic details about the vehicle, it will show you which insurance company will be the most suitable for you.
Comprehensive car insurance can thus become a great travel companion. Just as Birne is your loyal partner when it comes to an operational lease car.
